FinanceRateCalc · KY · 2025 federal record
FHA denial rates by lender in Lexington, KY
Which door an applicant knocks on changes the odds more than almost anything else visible in the public record. Here is what the 4 highest-volume FHA lenders in this metro actually did in 2025.
Spread between the softest and strictest door
17.7
percentage points · 6.0% vs 23.7%
The doors
Ark-La-Tex Financial Services
168 decisioned applications here
6.0%
Stockton Mortgage
108 decisioned applications here
9.3%
United Wholesale Mortgage
112 decisioned applications here
18.8%
Rocket Mortgage
198 decisioned applications here
23.7%
Metro FHA denial rate: 18.6% across 1,828 decisioned applications (national: 22.1%). Smaller loans in this metro were denied at 44.3% versus 14.0% for larger loans — a 3.16× gap.
What this does not say: HMDA contains no credit scores. These are observed aggregates and partly reflect applicant mix, channel and documentation practices — not proof of misconduct, and not a prediction for any individual application. We never recommend lenders and no lender pays us.
Does it stay this way?
Nationally, yes. Across 2018–2025, 80.8% of the variance in large-lender denial rates sits between lenders rather than within them, and the most lenient large lender was the same institution in seven of eight years. Persistent Doors (SSRN)
For agents: a client-ready one-page card for this metro — observed rates, volumes, the small-loan penalty and each lender's 8-year pattern, updated quarterly.
Report Cards → · the data on this page is free forever.
Receipt for these figures: machine-readable claim passport · all 184 metros: metro table · method: The Door Effect