In Wisconsin, the highest FHA denial rates among major lenders in 2025 belonged to Amerisave Mortgage Company (78.4%), Carrington Mortgage Services LLC (53.0%), Newrez LLC (52.8%).Wisconsin’s FHA denial rate in 2025 was 26.4% across 12,288 decisioned applications — ranking #6 of 52 states. Among high-volume lenders, the lowest observed denial rate was First Colony Mortgage Corporat at 8.2%; the highest was Amerisave Mortgage Company at 78.4%. The institutional spread inside Wisconsin is 9.6×: the same FHA application faces a 8.2% observed denial rate at one high-volume door and 78.4% 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 | Wisconsin FHA apps | Denial rate |
|---|---|---|
| First Colony Mortgage Corporat | 207 | 8.2% |
| Guild Mortgage Company | 500 | 9.4% |
| Crosscountry Mortgage, LLC | 239 | 9.6% |
| Fairway Independent Mort Corp | 405 | 11.1% |
| Freedom Mortgage Corporation | 533 | 22.9% |
| Pennymac Loan Services LLC | 536 | 25.0% |
| United Wholesale Mortgage | 798 | 25.7% |
| Rocket Mortgage | 1,495 | 31.6% |
| New American Funding, LLC. | 322 | 34.8% |
| Loandepot.Com LLC | 376 | 41.5% |
| Mutual Of Omaha Mortgage | 235 | 44.7% |
| Lakeview Loan Servicing, LLC | 251 | 50.6% |
| Newrez LLC | 267 | 52.8% |
| Carrington Mortgage Services LLC | 217 | 53.0% |
| Amerisave Mortgage Company | 334 | 78.4% |
Applications under $150K were denied 43.8% of the time versus 19.8% for loans of $250K+ — a 2.2× 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.