FinanceRateCalc
FRC Statistic · FRC-012 · 2025 federal record

Are mortgage denials increasing or decreasing?

35.0%

Average FHA denial across the 100 largest FHA lenders fell from 35.0% in 2018 to 27.1% in 2025, after peaking at 31.1% in 2022 during the rate shock, per FinanceRateCalc analysis of CFPB HMDA loan-level records (1,187,606 decisioned FHA applications in 2025).

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Source: CFPB HMDA 2025 (1,187,606 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics

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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.