FinanceRateCalc

FRC Statistic · FRC-003 · 2025 federal record

How much do FHA denial rates vary between lenders?

6.5%

In 2025, FHA denial rates among the 100 largest FHA lenders ranged from 1.8% (Flat Branch) to 78.7% (AmeriSave) — a spread of roughly 44x on the same federal loan program, per FinanceRateCalc analysis of CFPB HMDA loan-level records (1,187,606 decisioned FHA applications in 2025).

Cite freely · CC BY 4.0

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

The Denial Dispatch

One finding a week from the federal mortgage record.

One chart, three paragraphs, every Saturday. Measured, not assumed.

Get the Dispatch →

AI Accuracy Index The Door Effect The Denial Map Open Data About Press Newsletter

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