M/I Financial. LLC denied 5.2% of its 2,603 decisioned FHA applications in 2025 — rank #86 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 (58.0%), other (16.1%), unverifiable information (9.8%) (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: 4.875%; median spread vs APOR: -1.017 (2,267 originations). Odds and price for all 60 largest doors: rates vs denial.
Nobody. M/I Financial. 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.