8 years of real FHA mortgage denial data from CFPB HMDA. 11 major lenders. All 51 states. Every data point is a real federal record — not estimates.
⚠️ Educational Only — Historical denial rates. Not predictive. Not financial advice. Individual outcomes vary. Source: CFPB HMDA Public Data 2018–2025.
Most Consistent Winner
CrossCountry
5.5–8.6% every year since 2018
Biggest Improvement
PennyMac
52.8% → 23.6% (−29pp since 2018)
Biggest Deterioration
NewRez
48.9% → 53.3% — volatile & worsening
National Avg Trend
↑ Tightening
~24% (2020) → ~26% (2025)
Lender Trends
State Trends
Full Data Table
FHA Denial Rate by Lender — 2018 to 2025
State FHA Denial Rate Trend
vs National Average
Complete Lender Data — All 8 Years (FHA Denial Rate %)