Wells Fargo FHA Denial Rate (2025): the behavioral file

2025 FHA denial rate
47.2%
#10 of 11 major lenders · tightened +0.7pp since 2018
20182025
2018 rate
46.5%
Shock Beta
26/100
Macro sensitivity (OFI)
62.8

Shock profile: moderate sensitivity. What Shock Beta means →

Statistical relatives

Underwriting twins (similar decision patterns): loanDepot (90/100), NewRez (81/100). Behavioral opposites: Rocket (59/100), Guild (41/100). If Wells Fargo 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 Wells Fargo? 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.