Mr. Cooper FHA Denial Rate (2025): the behavioral file

2025 FHA denial rate
25.8%
#7 of 11 major lenders · loosened 8.9pp since 2018
20182025
2018 rate
34.7%
Shock Beta
22/100
Macro sensitivity (OFI)
60.9

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

Statistical relatives

Underwriting twins (similar decision patterns): NewRez (91/100), loanDepot (86/100). Behavioral opposites: PennyMac (66/100), Rocket (57/100). If Mr. Cooper 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 Mr. Cooper? Run the Verdict — free → Compare all 11 lenders in one table →
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 Intelligence.