FinanceRateCalc
FRC Statistic · FRC-002 · 2025 federal record

Which FHA lender has the highest denial rate in 2025?

78.7%

Amerisave Mortgage Company had the highest 2025 FHA denial rate among the 100 largest FHA lenders at 78.7% of 22,944 decisioned applications, per FinanceRateCalc analysis of CFPB HMDA loan-level records (1,187,606 decisioned FHA applications in 2025). Observed rates are screening signals, not evidence of misconduct.

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.