Reverse-mortgage lender. Since the 26 July 2026 universe correction, reverse mortgages (HECM) are excluded from every FHA figure on this site, and this lender is not in the current top-100 FHA data files; the figures on this page predate that correction and are kept only for the record. See the corrections log.
Finance Of America Reverse LLC’s FHA denial rate in 2025 was 11.8%.
Finance Of America Reverse LLC denied 11.8% of its 7,008 decisioned FHA applications in 2025 — rank #56 of the 100 largest FHA lenders, below the national rate of 22.1%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.
Top cited reasons on denied files in 2025: collateral (the property) (33.0%), other (26.7%), insufficient cash (19.7%) (shares of all cited reasons; a denied file may cite several). Reason codes record outcomes, not causes — context: the reason fingerprint.
| State | FHA apps | Denial rate |
|---|---|---|
| CA | 1,263 | 8.7% |
| NY | 362 | 12.4% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. Finance Of America Reverse LLC did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.