New Hampshire’s FHA denial rate in 2025 was 23.2% across 3,561 decisioned applications — ranking #20 of 52 states. Among high-volume lenders, the lowest observed denial rate was Cmg Mortgage Inc at 5.0%; the highest was Amerisave Mortgage Company at 71.9%. The institutional spread inside New Hampshire is 14.4×: the same FHA application faces a 5.0% observed denial rate at one high-volume door and 71.9% 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 | New Hampshire FHA apps | Denial rate |
|---|---|---|
| Cmg Mortgage Inc | 279 | 5.0% |
| Crosscountry Mortgage, LLC | 103 | 5.8% |
| Fairway Independent Mort Corp | 104 | 6.7% |
| Guild Mortgage Company | 113 | 14.2% |
| Freedom Mortgage Corporation | 189 | 16.4% |
| United Wholesale Mortgage | 369 | 24.7% |
| Loandepot.Com LLC | 120 | 25.0% |
| Rocket Mortgage | 374 | 30.2% |
| Lakeview Loan Servicing, LLC | 121 | 39.7% |
| Amerisave Mortgage Company | 146 | 71.9% |
Applications under $150K were denied 53.8% of the time versus 19.6% for loans of $250K+ — a 2.7× 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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