In Ohio, the highest FHA denial rates among major lenders in 2025 belonged to Amerisave Mortgage Company (77.7%), Carrington Mortgage Services LLC (50.7%), Newrez LLC (48.6%).Ohio’s FHA denial rate in 2025 was 22.9% across 46,920 decisioned applications — ranking #21 of 52 states. Among high-volume lenders, the lowest observed denial rate was Nfm, Inc at 3.5%; the highest was Amerisave Mortgage Company at 77.7%. The institutional spread inside Ohio is 22.2×: the same FHA application faces a 3.5% 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 | Ohio FHA apps | Denial rate |
|---|---|---|
| Nfm, Inc | 684 | 3.5% |
| Crosscountry Mortgage, LLC | 3,449 | 5.2% |
| Union Home Mortgage Corp. | 1,221 | 7.6% |
| Freedom Mortgage Corporation | 1,715 | 19.0% |
| Huntington National Bank | 1,373 | 22.1% |
| Pennymac Loan Services LLC | 1,383 | 23.1% |
| United Wholesale Mortgage | 3,084 | 25.2% |
| New American Funding, LLC. | 1,015 | 26.5% |
| Mutual Of Omaha Mortgage | 708 | 28.2% |
| Rocket Mortgage | 5,308 | 30.8% |
| Nvr Mortgage Finance, Inc. | 739 | 31.1% |
| Loandepot.Com LLC | 1,596 | 31.5% |
| Newrez LLC | 976 | 48.6% |
| Carrington Mortgage Services LLC | 777 | 50.7% |
| Amerisave Mortgage Company | 1,312 | 77.7% |
Applications under $150K were denied 32.2% of the time versus 18.6% for loans of $250K+ — a 1.7× 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.
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.