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).
Provisional: this page's figure comes from multi-year lender trajectory series (not in this repository; the 2025 unweighted top-100 mean computed here is 19.4%, the page's 27.1% is not reproducible from repository files), which is not regenerated from a data file in the public repository; it has not been re-verified since 2026-07-21. Cite with that caveat. This page is regenerated from data or removed by 2026-10-22. Audit: eval/stat-audit.json.
Cite freely · CC BY 4.0Source: CFPB HMDA 2025 (1,187,606 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics