What is V.I.P. Mortgage, Inc.'s FHA denial rate in 2025?

V.I.P. Mortgage, Inc. denied 4.9% of its 1,940 decisioned FHA applications in 2025 - rank #88 of the 100 largest FHA lenders, below the national rate of 22.1% - per FinanceRateCalc analysis of complete CFPB HMDA federal records. Observed rates reflect applicant mix and channel as well as underwriting.

Is it hard to get approved with V.I.P. Mortgage, Inc.?

In 2025 V.I.P. Mortgage, Inc. denied 5.0% of the FHA mortgage applications it decided, approving 95.0%, across 1,848 applications. The median denial rate across the 100 largest FHA lenders was 13.8%, so its record is easier than most. A denial rate reflects who applies there as well as how the lender underwrites, and it does not predict the outcome of any individual application.

What is V.I.P. Mortgage, Inc.'s mortgage approval rate?

95.0% of FHA applications that reached a credit decision at V.I.P. Mortgage, Inc. in 2025 were approved, computed from the complete CFPB HMDA record (originated plus approved-but-not-accepted, over all decisioned applications).

Why was my mortgage denied by V.I.P. Mortgage, Inc.?

The lender must give you the specific reasons in writing within 30 days under federal law. Denial reasons are distributed very differently between institutions, so the reason on your letter is worth comparing against that lender's own pattern and against its peers. A denial at one lender does not mean the same file would be denied elsewhere: in 2025 denial rates across the 100 largest FHA lenders ranged from 1.8% to 78.7%.

V.I.P. Mortgage, Inc.: FHA denial rate in 2025

Direct answer · updated 2026-07-19

V.I.P. Mortgage, Inc.’s FHA denial rate in 2025 was 4.9%.

V.I.P. Mortgage, Inc. denied 4.9% of its 1,940 decisioned FHA applications in 2025 — rank #88 of the 100 largest FHA lenders, below the national rate of 22.1%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.

Who pays for this?

Nobody. V.I.P. Mortgage, Inc. did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.

Source: CFPB HMDA 2025 Snapshot, FHA loan-level records (loan_type 2); decisioned applications (actions 1,2,3); denial = action 3. Reason shares over all cited reasons (lenders ≥500 apps & ≥100 denials); pricing medians over originated purchase loans; state cells n≥100. Name per 2025 Transmittal Sheet. Historical data observation — not financial, legal, or mortgage advice. FRC Research.