In Washington, the highest FHA denial rates among major lenders in 2025 belonged to Lakeview Loan Servicing, LLC (52.5%), Newrez LLC (36.6%), Loandepot.Com LLC (31.9%).Washington’s FHA denial rate in 2025 was 18.1% across 21,479 decisioned applications — ranking #44 of 52 states. Among high-volume lenders, the lowest observed denial rate was Crosscountry Mortgage, LLC at 4.6%; the highest was Lakeview Loan Servicing, LLC at 52.5%. The institutional spread inside Washington is 11.4×: the same FHA application faces a 4.6% observed denial rate at one high-volume door and 52.5% 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 | Washington FHA apps | Denial rate |
|---|---|---|
| Crosscountry Mortgage, LLC | 832 | 4.6% |
| Cmg Mortgage Inc | 1,087 | 4.8% |
| Movement Mortgage, LLC | 930 | 4.9% |
| Guild Mortgage Company | 1,169 | 6.1% |
| American Pacific Mortgage Corpor | 526 | 9.1% |
| Fairway Independent Mort Corp | 508 | 9.1% |
| Freedom Mortgage Corporation | 663 | 17.5% |
| United Wholesale Mortgage | 1,963 | 21.4% |
| Pennymac Loan Services LLC | 479 | 24.2% |
| Mutual Of Omaha Mortgage | 482 | 24.5% |
| New American Funding, LLC. | 443 | 25.1% |
| Rocket Mortgage | 1,323 | 39.8% |
| Loandepot.Com LLC | 477 | 31.9% |
| Newrez LLC | 473 | 36.6% |
| Lakeview Loan Servicing, LLC | 463 | 52.5% |
Applications under $150K were denied 40.9% of the time versus 16.4% for loans of $250K+ — a 2.5× 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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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.