Texas’s FHA denial rate in 2025 was 15.7% across 131,577 decisioned applications — ranking #50 of 52 states. Among high-volume lenders, the lowest observed denial rate was Crosscountry Mortgage, LLC at 4.3%; the highest was Lakeview Loan Servicing, LLC at 55.7%. The institutional spread inside Texas is 13.0×: the same FHA application faces a 4.3% observed denial rate at one high-volume door and 55.7% 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 | Texas FHA apps | Denial rate |
|---|---|---|
| Crosscountry Mortgage, LLC | 2,266 | 4.3% |
| Velocio Mortgage, L.L.C. | 1,820 | 4.5% |
| Cmg Mortgage Inc | 3,356 | 4.9% |
| Guild Mortgage Company | 2,592 | 5.2% |
| Fairway Independent Mort Corp | 2,242 | 5.3% |
| Primelending | 1,676 | 7.6% |
| Freedom Mortgage Corporation | 3,046 | 11.8% |
| New American Funding, LLC. | 2,001 | 13.0% |
| United Wholesale Mortgage | 9,333 | 17.7% |
| Dhi Mortgage Company, Ltd. | 12,685 | 18.4% |
| Pennymac Loan Services LLC | 1,598 | 19.5% |
| Lennar Mortgage, LLC | 11,126 | 24.1% |
| Rocket Mortgage | 4,255 | 24.4% |
| Loandepot.Com LLC | 3,209 | 27.7% |
| Lakeview Loan Servicing, LLC | 2,488 | 55.7% |
Applications under $150K were denied 25.5% of the time versus 14.9% 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.
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