Guaranteed Rate, Inc. denied 13.4% of its 12,451 decisioned FHA applications in 2025 — rank #50 of the 100 largest FHA lenders, below the national rate of 21.7%. 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: debt-to-income (33.3%), credit history (26.2%), other (12.4%) (shares of all cited reasons; a denied file may cite several). Reason codes record outcomes, not causes — context: the reason fingerprint.
Median rate on originated FHA purchase loans in 2025: 6.375%; median spread vs APOR: 0.615 (8,976 originations). Odds and price for all 60 largest doors: rates vs denial.
| State | FHA apps | Denial rate |
|---|---|---|
| IL | 1,423 | 11.6% |
| NJ | 564 | 11.7% |
| MA | 501 | 14.2% |
| NV | 355 | 10.4% |
| MN | 274 | 11.7% |
| IA | 143 | 14.7% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. Guaranteed Rate, Inc. 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.