Rocket FHA Denial Rate (2025): the behavioral file

2025 FHA denial rate
31.0%
#8 of 11 major lenders · loosened 4.2pp since 2018
20182025
2018 rate
35.2%
Shock Beta
9/100
Macro sensitivity (OFI)
59.6

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

The black-hole cell

The single deepest denial zone in Rocket’s 2025 FHA record: DTI 48–50 × CLTV 90–95% → 97.6% denial (n=84). Files entering that coordinate historically did not come out. All lenders’ black holes, mapped →

Statistical relatives

Underwriting twins (similar decision patterns): PennyMac (87/100), CrossCountry (77/100). Behavioral opposites: Wells Fargo (59/100), Planet Home (58/100). If Rocket 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 Rocket? 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.