Pennsylvania’s FHA denial rate in 2025 was 25.3% across 37,051 decisioned applications — ranking #8 of 52 states. Among high-volume lenders, the lowest observed denial rate was Guild Mortgage Company at 5.9%; the highest was Amerisave Mortgage Company at 77.8%. The institutional spread inside Pennsylvania is 13.2×: the same FHA application faces a 5.9% observed denial rate at one high-volume door and 77.8% 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 | Pennsylvania FHA apps | Denial rate |
|---|---|---|
| Guild Mortgage Company | 545 | 5.9% |
| Movement Mortgage, LLC | 787 | 6.0% |
| Crosscountry Mortgage, LLC | 1,878 | 6.1% |
| Cmg Mortgage Inc | 577 | 7.6% |
| Pennymac Loan Services LLC | 1,759 | 23.4% |
| United Wholesale Mortgage | 2,577 | 25.9% |
| New American Funding, LLC. | 997 | 30.1% |
| Freedom Mortgage Corporation | 1,307 | 30.5% |
| Rocket Mortgage | 4,608 | 31.3% |
| Mutual Of Omaha Mortgage | 512 | 32.4% |
| Loandepot.Com LLC | 1,020 | 45.4% |
| Newrez LLC | 917 | 56.6% |
| Carrington Mortgage Services LLC | 561 | 61.1% |
| Lakeview Loan Servicing, LLC | 683 | 61.8% |
| Amerisave Mortgage Company | 1,199 | 77.8% |
Applications under $150K were denied 37.5% of the time versus 19.6% for loans of $250K+ — a 1.9× 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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