Figures on this page were re-read from the data files on 2026-10-01; an earlier version carried values from before the 26 July 2026 universe correction (reverse mortgages removed). Corrections log.
In Rhode Island, the highest FHA denial rates among major lenders in 2025 belonged to Newrez LLC (45.0%), Rocket Mortgage (33.2%), Loandepot.Com LLC (32.9%).Rhode Island’s FHA denial rate in 2025 was 21.8% across 3,736 decisioned applications — ranking #30 of 52 states. Among high-volume lenders, the lowest observed denial rate was Semper Home Loans, Inc at 2.0%; the highest was Newrez LLC at 45.0%. The institutional spread inside Rhode Island is 22.5×: the same FHA application faces a 2.0% observed denial rate at one high-volume door and 45.0% 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 | Rhode Island FHA apps | Denial rate |
|---|---|---|
| Semper Home Loans, Inc | 100 | 2.0% |
| Movement Mortgage, LLC | 226 | 3.1% |
| Nfm, Inc | 169 | 3.6% |
| American Neighborhood Mortgage A | 121 | 5.0% |
| Guild Mortgage Company | 100 | 5.0% |
| Province Mortgage Associates, In | 111 | 12.6% |
| Cmg Mortgage Inc | 176 | 13.1% |
| Primary Residential Mortgage, In | 310 | 14.2% |
| Freedom Mortgage Corporation | 175 | 16.0% |
| United Wholesale Mortgage | 220 | 30.0% |
| Loandepot.Com LLC | 161 | 32.9% |
| Rocket Mortgage | 202 | 33.2% |
| Newrez LLC | 100 | 45.0% |
Applications under $150K were denied 45.9% of the time versus 19.3% for loans of $250K+ — a 2.4× 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.