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 recorded the highest observed denial rate at 78.7% of 22,944 decisioned applications, followed by American Financing at 71.0% and Carrington Mortgage Services at 58.4%, per FinanceRateCalc analysis of the complete CFPB HMDA 2025 FHA dataset; denial rates reflect applicant mix and channel as well as underwriting strictness.

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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.