FinanceRateCalc
FRC Statistic · FRC-017 · 2025 federal record

Which lender has the highest FHA denial rate in 2025?

78.7%

Among the 100 largest FHA lenders in 2025, Amerisave Mortgage Company recorded the highest observed denial rate at 78.7% of 22,944 decisioned applications, followed by American Financing Corporation at 71.0% and Carrington Mortgage Services LLC at 58.4%, per FinanceRateCalc analysis of the complete CFPB HMDA 2025 FHA dataset; denial rates reflect applicant mix as well as underwriting.

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

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.