In 2025, FHA denial rates among 11 major lenders ranged from 6.5% (CrossCountry) to 52.3% (NewRez) — a spread of roughly 8x on the same federal loan program, per FinanceRateCalc analysis of CFPB HMDA loan-level records (310,592 FHA applications, 2018-2025).
Source: CFPB HMDA 2025 (1,217,297 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics