In Michigan, the highest FHA denial rates among major lenders in 2025 belonged to Amerisave Mortgage Company (77.7%), Newrez LLC (58.3%), Lakeview Loan Servicing, LLC (54.5%).Michigan’s FHA denial rate in 2025 was 27.2% across 33,501 decisioned applications — ranking #4 of 52 states. Among high-volume lenders, the lowest observed denial rate was Union Home Mortgage Corp. at 5.9%; the highest was Amerisave Mortgage Company at 77.7%. The institutional spread inside Michigan is 13.2×: the same FHA application faces a 5.9% observed denial rate at one high-volume door and 77.7% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Michigan FHA apps | Denial rate |
|---|---|---|
| Union Home Mortgage Corp. | 925 | 5.9% |
| Mortgage 1 Incorporated | 673 | 6.2% |
| Crosscountry Mortgage, LLC | 601 | 10.0% |
| Pennymac Loan Services LLC | 705 | 21.3% |
| United Wholesale Mortgage | 4,937 | 23.2% |
| Freedom Mortgage Corporation | 964 | 23.7% |
| Rocket Mortgage | 5,555 | 30.2% |
| Huntington National Bank | 526 | 35.9% |
| Flagstar Bank Na | 656 | 39.8% |
| New American Funding, LLC. | 610 | 43.6% |
| Loandepot.Com LLC | 763 | 50.1% |
| Carrington Mortgage Services LLC | 608 | 51.5% |
| Lakeview Loan Servicing, LLC | 628 | 54.5% |
| Newrez LLC | 642 | 58.3% |
| Amerisave Mortgage Company | 976 | 77.7% |
Applications under $150K were denied 35.2% of the time versus 21.9% for loans of $250K+ — a 1.6× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
Nobody. No lender pays to appear or improve its position; no ads, no referral fees, no lead sales. FinanceRateCalc is not a lender and does not compete with the institutions it measures. Rates reflect applicant mix and channel as well as underwriting appetite — a high rate is not an accusation, and a low one is not advice. Compare nationally: the top-100 table · the 15-market door map · all 52 states ranked · why each lender says no.
Reading note: lender-level denial rates describe tendencies in the observed record, not rules — individual outcomes vary with each file. Rankings can also shift with denominator choices (which application outcomes are counted); FRC's rule is published in full in the methodology, so every figure here is reproducible from the raw federal file.