Minnesota’s FHA denial rate in 2025 was 21.9% across 13,644 decisioned applications — ranking #27 of 52 states. Among high-volume lenders, the lowest observed denial rate was Crosscountry Mortgage, LLC at 5.4%; the highest was Amerisave Mortgage Company at 75.8%. The institutional spread inside Minnesota is 14.0×: the same FHA application faces a 5.4% observed denial rate at one high-volume door and 75.8% 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 | Minnesota FHA apps | Denial rate |
|---|---|---|
| Crosscountry Mortgage, LLC | 481 | 5.4% |
| Granite Bank | 259 | 7.3% |
| Fairway Independent Mort Corp | 475 | 8.0% |
| Guaranteed Rate, Inc. | 274 | 11.7% |
| Bell Bank | 320 | 13.1% |
| New American Funding, LLC. | 527 | 17.3% |
| Freedom Mortgage Corporation | 504 | 21.2% |
| United Wholesale Mortgage | 1,579 | 21.6% |
| Mutual Of Omaha Mortgage | 238 | 23.5% |
| Pennymac Loan Services LLC | 474 | 24.5% |
| Rocket Mortgage | 1,228 | 27.7% |
| Loandepot.Com LLC | 447 | 35.1% |
| Lakeview Loan Servicing, LLC | 294 | 54.4% |
| Newrez LLC | 224 | 58.9% |
| Amerisave Mortgage Company | 256 | 75.8% |
Applications under $150K were denied 36.2% of the time versus 18.5% for loans of $250K+ — a 2.0× 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.
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