UWM FHA Denial Rate (2025): the behavioral file

2025 FHA denial rate
21.8%
#4 of 11 major lenders · tightened +7.2pp since 2018
20182025
2018 rate
14.6%
Shock Beta
11/100
Macro sensitivity (OFI)
67.1

Shock profile: historically stable across cycles. What Shock Beta means →

Statistical relatives

Underwriting twins (similar decision patterns): Planet Home (91/100), Guild (90/100). Behavioral opposites: Wells Fargo (66/100), Rocket (63/100). If UWM declined a file, its twins are statistically likely to read it the same way — the opposites are a different conversation. Full similarity engine →

What to do with this file

Does YOUR profile fit this door? Free routing → Denied by UWM? Run the Verdict — free → Compare all 11 lenders in one table →
Source: CFPB HMDA loan-level records, 2018–2025, FRC 11-lender panel; methodology at financeratecalc.com/methodology. Denial rates partly reflect applicant mix. Historical data observation; overlays are lawful; not a recommendation to use or avoid any lender; not financial, legal, or mortgage advice. FRC Intelligence.