FinanceRateCalc
FRC Statistic · FRC-005 · 2025 federal record

What was the easiest year to get a mortgage approved?

3x

2021 was the easiest year for mortgage approval in the 2018-2025 period, scoring 21 out of 100 on the FRC Denial Climate Index — roughly 3x looser than 2023's reading of 66, per FinanceRateCalc (2026).

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.