The FHA door map: lender denial rates in America’s 15 biggest markets
Direct answer · updated 2026-07-19
The soft door travels with the lender, not the state. CrossCountry Mortgage posted among the lowest observed FHA denial rates in every major market in 2025 — 4.3% in Texas, 4.3% in California, 6.8% in Florida — while the hardest doors (AmeriSave, Lakeview) ran 55–82% in the same states. Below: every high-volume lender’s observed denial rate in the 15 largest FHA markets, from the complete 2025 federal record (cells with 100+ decisioned applications).
Florida (64,063 FHA apps)
| Lender (largest by volume, softest first) | Apps | Denial |
|---|
| Crosscountry Mortgage, LLC | 2,887 | 6.8% |
| Click N' Close, Inc. | 1,233 | 7.3% |
| Paramount Residential Mortgage | 1,617 | 8.0% |
| Dhi Mortgage Company, Ltd. | 7,544 | 20.2% |
| United Wholesale Mortgage | 17,172 | 22.2% |
| Freedom Mortgage Corp | 3,367 | 24.2% |
| Pennymac Loan Services LLC | 3,179 | 24.9% |
| New American Funding, LLC. | 1,911 | 27.8% |
| Rocket Mortgage | 7,268 | 29.2% |
| Lennar Mortgage, LLC | 5,895 | 29.2% |
Texas (63,693 FHA apps)
| Lender (largest by volume, softest first) | Apps | Denial |
|---|
| 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 Corp | 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% |
California (43,851 FHA apps)
| Lender (largest by volume, softest first) | Apps | Denial |
|---|
| Ocmbc, Inc. | 2,730 | 4.3% |
| Crosscountry Mortgage, LLC | 1,256 | 4.3% |
| Finance Of America Reverse LLC | 1,263 | 8.7% |
| Lennar Mortgage, LLC | 1,615 | 12.6% |
| Dhi Mortgage Company, Ltd. | 1,516 | 12.6% |
| Freedom Mortgage Corp | 2,264 | 17.7% |
| Mutual Of Omaha Mortgage | 1,287 | 19.2% |
| United Wholesale Mortgage | 13,985 | 21.4% |
| Pennymac Loan Services LLC | 2,121 | 22.3% |
| Kind Lending, LLC | 2,236 | 24.3% |
Georgia (31,744 FHA apps)
| Lender (largest by volume, softest first) | Apps | Denial |
|---|
| Guild Mortgage Company | 1,853 | 7.4% |
| Crosscountry Mortgage, LLC | 1,287 | 7.4% |
| Fairway Independent Mort Corp | 1,029 | 8.2% |
| Freedom Mortgage Corp | 2,485 | 20.9% |
| Pennymac Loan Services LLC | 1,809 | 22.4% |
| United Wholesale Mortgage | 5,352 | 22.5% |
| New American Funding, LLC. | 2,116 | 23.5% |
| Dhi Mortgage Company, Ltd. | 1,835 | 25.1% |
| Rocket Mortgage | 5,484 | 30.3% |
| Loandepot.Com LLC | 2,135 | 36.0% |
North Carolina (25,631 FHA apps)
| Lender (largest by volume, softest first) | Apps | Denial |
|---|
| Atlantic Bay Mortgage Group | 1,443 | 2.4% |
| Movement Mortgage, LLC | 1,855 | 4.0% |
| Crosscountry Mortgage, LLC | 1,410 | 5.0% |
| Freedom Mortgage Corp | 1,998 | 17.4% |
| Pennymac Loan Services LLC | 1,221 | 20.4% |
| United Wholesale Mortgage | 3,243 | 23.2% |
| Dhi Mortgage Company, Ltd. | 2,422 | 24.1% |
| Mutual Of Omaha Mortgage | 724 | 26.5% |
| Rocket Mortgage | 4,415 | 26.6% |
| New American Funding, LLC. | 942 | 29.3% |
Ohio (25,340 FHA apps)
| Lender (largest by volume, softest first) | Apps | Denial |
|---|
| Nfm, Inc | 684 | 3.5% |
| Crosscountry Mortgage, LLC | 3,449 | 5.2% |
| Union Home Mortgage Corp. | 1,221 | 7.6% |
| Freedom Mortgage Corp | 1,715 | 19.0% |
| Huntington National Bank | 1,373 | 22.1% |
| Pennymac Loan Services LLC | 1,383 | 23.1% |
| United Wholesale Mortgage | 3,084 | 25.2% |
| New American Funding, LLC. | 1,015 | 26.5% |
| Mutual Of Omaha Mortgage | 708 | 28.2% |
| Rocket Mortgage | 5,308 | 30.8% |
Arizona (22,108 FHA apps)
| Lender (largest by volume, softest first) | Apps | Denial |
|---|
| Velocio Mortgage, L.L.C. | 784 | 2.3% |
| Crosscountry Mortgage, LLC | 1,581 | 4.0% |
| Click N' Close, Inc. | 589 | 7.1% |
| Guild Mortgage Company | 922 | 7.5% |
| Fairway Independent Mort Corp | 1,338 | 10.2% |
| Lennar Mortgage, LLC | 1,235 | 13.5% |
| Freedom Mortgage Corp | 1,214 | 15.3% |
| Dhi Mortgage Company, Ltd. | 1,726 | 17.0% |
| United Wholesale Mortgage | 5,193 | 18.1% |
| Loandepot.Com LLC | 1,553 | 19.1% |
Pennsylvania (19,927 FHA apps)
Michigan (19,769 FHA apps)
Illinois (19,618 FHA apps)
| Lender (largest by volume, softest first) | Apps | Denial |
|---|
| Crosscountry Mortgage, LLC | 1,173 | 8.2% |
| Guild Mortgage Company | 701 | 10.7% |
| Fairway Independent Mort Corp | 873 | 10.8% |
| Guaranteed Rate, Inc. | 1,423 | 11.6% |
| American Pacific Mortgage Corp | 556 | 16.0% |
| Freedom Mortgage Corp | 1,157 | 22.8% |
| Pennymac Loan Services LLC | 1,194 | 23.1% |
| New American Funding, LLC. | 1,327 | 23.7% |
| United Wholesale Mortgage | 2,777 | 25.1% |
| Loandepot.Com LLC | 1,845 | 28.9% |
Indiana (18,216 FHA apps)
| Lender (largest by volume, softest first) | Apps | Denial |
|---|
| Gvc Mortgage, Inc. | 776 | 5.7% |
| Ruoff Mortgage Company | 2,076 | 7.8% |
| Crosscountry Mortgage, LLC | 729 | 8.8% |
| Fairway Independent Mort Corp | 940 | 11.5% |
| Freedom Mortgage Corp | 1,913 | 18.0% |
| Pennymac Loan Services LLC | 1,005 | 19.8% |
| United Wholesale Mortgage | 2,125 | 22.5% |
| Dhi Mortgage Company, Ltd. | 645 | 23.3% |
| Rocket Mortgage | 3,240 | 30.2% |
| New American Funding, LLC. | 755 | 30.5% |
Tennessee (18,077 FHA apps)
| Lender (largest by volume, softest first) | Apps | Denial |
|---|
| Cmg Mortgage Inc | 1,169 | 4.4% |
| Mortgage Investors Group | 1,053 | 6.9% |
| First Community Mortgage, Inc. | 1,068 | 8.7% |
| Crosscountry Mortgage, LLC | 668 | 9.6% |
| Freedom Mortgage Corp | 1,542 | 16.8% |
| Dhi Mortgage Company, Ltd. | 778 | 17.5% |
| United Wholesale Mortgage | 3,067 | 18.5% |
| Pennymac Loan Services LLC | 1,196 | 20.5% |
| New American Funding, LLC. | 714 | 22.4% |
| Rocket Mortgage | 3,147 | 27.3% |
South Carolina (16,289 FHA apps)
| Lender (largest by volume, softest first) | Apps | Denial |
|---|
| Movement Mortgage, LLC | 792 | 3.9% |
| Crosscountry Mortgage, LLC | 689 | 5.7% |
| Guild Mortgage Company | 881 | 9.2% |
| Freedom Mortgage Corp | 1,122 | 17.9% |
| Lennar Mortgage, LLC | 909 | 20.4% |
| Pennymac Loan Services LLC | 779 | 20.7% |
| United Wholesale Mortgage | 2,061 | 22.4% |
| New American Funding, LLC. | 517 | 22.8% |
| Dhi Mortgage Company, Ltd. | 2,448 | 26.1% |
| Rocket Mortgage | 2,315 | 27.9% |
Virginia (15,757 FHA apps)
Missouri (14,254 FHA apps)
What this is not
These are historical observations, not endorsements or warnings: rates reflect each lender’s channel, applicant mix, and process design as well as underwriting appetite — see the reason fingerprint for why two identical rates can mean very different things. Overlays are lawful. Full national context: the top-100 table · state rankings.
Source: CFPB HMDA 2025 Snapshot, FHA loan-level records; lender×state cells with 100+ decisioned applications (actions 1,2,3); denial = action 3; top 15 states by FHA volume, top 10 lenders per state by volume. Lender names per 2025 HMDA Transmittal Sheet. Historical data observation — not financial, legal, or mortgage advice. FRC Intelligence.