FinanceRateCalc
FRC Statistic · FRC-010 · 2025 federal record

Do FHA rules mean every lender has the same requirements?

1.8%–78.7%

No: FHA sets program minimums, but lenders add their own overlays on top, which is lawful; the result is that 2025 FHA denial rates among the 100 largest FHA lenders ranged from 1.8% to 78.7%, per FinanceRateCalc analysis of CFPB HMDA loan-level records (1,187,606 decisioned FHA applications in 2025).

Regenerated from the repository's data files on 2026-09-22 by scripts/build_stat_pages.py; universe per universes.json. An earlier hand-written version (2026-07-21) carried different figures; see corrections.

Cite freely · CC BY 4.0

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.