New York’s FHA denial rate in 2025 was 24.9% across 22,032 decisioned applications — ranking #10 of 52 states. Among high-volume lenders, the lowest observed denial rate was Homestead Funding Corp. at 4.0%; the highest was Newrez LLC at 62.0%. The institutional spread inside New York is 15.5×: the same FHA application faces a 4.0% observed denial rate at one high-volume door and 62.0% 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 York FHA apps | Denial rate |
|---|---|---|
| Homestead Funding Corp. | 655 | 4.0% |
| Nationwide Mortgage Bankers, Inc | 626 | 4.3% |
| Premium Mortgage Corporation | 746 | 6.4% |
| Crosscountry Mortgage, LLC | 650 | 7.5% |
| Movement Mortgage, LLC | 375 | 10.9% |
| Finance Of America Reverse LLC | 362 | 12.4% |
| United Wholesale Mortgage | 2,133 | 16.5% |
| M&T Bank | 673 | 27.6% |
| Pennymac Loan Services LLC | 868 | 29.3% |
| Rocket Mortgage | 3,365 | 32.8% |
| Loandepot.Com LLC | 569 | 35.0% |
| Plaza Home Mortgage, Inc | 524 | 36.3% |
| Freedom Mortgage Corporation | 482 | 36.3% |
| Carrington Mortgage Services LLC | 517 | 58.6% |
| Newrez LLC | 1,175 | 62.0% |
Applications under $150K were denied 34.2% of the time versus 23.3% for loans of $250K+ — a 1.5× 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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