What is loanDepot's FHA denial rate in 2025?

loanDepot's 2025 FHA denial rate is 37.8% in FRC's federal HMDA panel — ranked #9 of the 100 largest FHA lenders (lowest = #1). In 2018 it was 44.4%.

Is loanDepot strict on FHA loans?

Denial rates partly reflect who applies, not only strictness. loanDepot's rate has loosened 6.6pp since 2018. Overlays are lawful business decisions; this is a historical data observation, not a recommendation.

Is it hard to get approved with loanDepot?

In 2025 loanDepot denied 34.6% of the FHA mortgage applications it decided, approving 65.4%, across 35,196 applications. The median denial rate across the 100 largest FHA lenders was 13.8%, so its record is harder than most. A denial rate reflects who applies there as well as how the lender underwrites, and it does not predict the outcome of any individual application.

What is loanDepot's mortgage approval rate?

65.4% of FHA applications that reached a credit decision at loanDepot in 2025 were approved, computed from the complete CFPB HMDA record (originated plus approved-but-not-accepted, over all decisioned applications).

Why was my mortgage denied by loanDepot?

The lender must give you the specific reasons in writing within 30 days under federal law. Denial reasons are distributed very differently between institutions, so the reason on your letter is worth comparing against that lender's own pattern and against its peers. A denial at one lender does not mean the same file would be denied elsewhere: in 2025 denial rates across the 100 largest FHA lenders ranged from 1.8% to 78.7%.

loanDepot FHA Denial Rate (2025): the behavioral file

Direct answer · updated 2026-07-16

loanDepot denied 37.8% of its FHA applications in 2025 — rank #9 of the 100 largest FHA lenders (1 = lowest denial), from CFPB HMDA loan-level records (1,187,606 decisioned FHA applications in 2025).

Cell-level decision surfaces are not published for loanDepot: its coordinate cells fall below our n≥50 minimum, so we report the annual rate rather than estimate one. Compare all 11 →

Denial rates reflect applicant mix as well as underwriting strictness; overlays are lawful business decisions. Cells with n<50 excluded. Methodology

2025 FHA denial rate

37.8%

#9 of the 100 largest FHA lenders · loosened 6.6pp since 2018

2018 rate

44.4%

Shock Beta

24/100

Macro sensitivity (OFI)

62.0

Shock profile: historically stable across cycles. What Shock Beta means →

Statistical relatives

Underwriting twins (similar decision patterns): NewRez (94/100), Planet Home (91/100). Behavioral opposites: Guild (70/100), Rocket (64/100). If loanDepot declined a file, its twins are statistically likely to read it the same way — the opposites are a different conversation. Full similarity engine →

What to do with this file

Does YOUR profile fit this door? Free routing → Denied by loanDepot? Run the Verdict — free → Compare the 11 deep-file lenders — or all 100 →

Source: CFPB HMDA loan-level records, 2018–2025, FRC 11-lender panel; methodology at financeratecalc.com/methodology. Denial rates partly reflect applicant mix. Historical data observation; overlays are lawful; not a recommendation to use or avoid any lender; not financial, legal, or mortgage advice. FRC Research.