Rhode Island’s FHA denial rate in 2025 was 21.5% across 3,829 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.
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