Nevada’s FHA denial rate in 2025 was 17.3% across 15,793 decisioned applications — ranking #49 of 52 states. Among high-volume lenders, the lowest observed denial rate was Guild Mortgage Company at 4.3%; the highest was Newrez LLC at 54.6%. The institutional spread inside Nevada is 12.7×: the same FHA application faces a 4.3% observed denial rate at one high-volume door and 54.6% 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 | Nevada FHA apps | Denial rate |
|---|---|---|
| Guild Mortgage Company | 1,352 | 4.3% |
| Crosscountry Mortgage, LLC | 451 | 4.4% |
| Cmg Mortgage Inc | 274 | 8.4% |
| Guaranteed Rate, Inc. | 355 | 10.4% |
| Lennar Mortgage, LLC | 452 | 10.6% |
| Dhi Mortgage Company, Ltd. | 848 | 11.0% |
| Freedom Mortgage Corporation | 570 | 13.5% |
| United Wholesale Mortgage | 1,751 | 16.4% |
| New American Funding, LLC. | 453 | 21.0% |
| Pennymac Loan Services LLC | 416 | 23.8% |
| Rocket Mortgage | 792 | 25.3% |
| Loandepot.Com LLC | 510 | 25.3% |
| Mutual Of Omaha Mortgage | 284 | 31.0% |
| Lakeview Loan Servicing, LLC | 259 | 43.2% |
| Newrez LLC | 227 | 54.6% |
Applications under $150K were denied 36.0% of the time versus 15.5% for loans of $250K+ — a 2.3× 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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