Datasets:

FinanceRateCalc
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fha-denial-rates-top-100

rank_by_denial_rate int64 1 100	lender_name stringlengths 8 49	lei stringlengths 20 20	fha_applications_decisioned int64 1.94k 112k	fha_denials int64 53 28.6k	fha_denial_rate_pct float64 1.8 78.7
1	AMERISAVE MORTGAGE COMPANY	549300YIQ7S7Z8PIHE53	22,944	18,056	78.7
2	AMERICAN FINANCING CORPORATION	549300ALNLUNS3Y53T24	11,062	7,854	71
3	Carrington Mortgage Services LLC	549300R9S3MVDV4MGF56	16,051	9,371	58.4
4	Lakeview Loan Servicing, LLC	549300NOCASXPA34X033	22,734	12,960	57
5	NEWREZ LLC	549300FNXYY540N23N64	22,790	12,022	52.8
6	Better Mortgage Corporation	549300XY701IELCE5Q08	2,354	1,164	49.4
7	WELLS FARGO BANK NA	KB1H1DSPRFMYMCUFXT09	2,525	1,226	48.6
8	JPMorgan Chase Bank, NA	7H6GLXDRUGQFU57RNE97	3,035	1,280	42.2
9	ENVOY MORTGAGE, LTD	549300J6N77Q8OHYNF23	2,264	952	42
10	Flagstar Bank NA	SS1TRMSN6BRNMOREEV51	2,933	1,194	40.7
11	REGIONS BANK	EQTWLK1G7ODGC2MGLV11	2,477	990	40
12	AdvantageFirst Lending Inc	254900M2C4Q6DATP2889	3,592	1,349	37.6
13	Mortgage Research Center	549300DD5QQUHO6PCH70	4,160	1,508	36.2
14	GOODLEAP, LLC	549300YN94MOAVYW0F52	4,118	1,463	35.5
15	loanDepot.com LLC	549300AG64NHILB7ZP05	35,265	12,191	34.6
16	NVR MORTGAGE FINANCE, INC.	549300KBWX4NV5Q1E376	7,354	2,497	34
17	HomeBridge Financial Services, Inc	5493001WHVQBGRSWEU75	2,096	700	33.4
18	Village Capital & Investment	549300VCMRO4ST680C11	8,725	2,908	33.3
19	PLAZA HOME MORTGAGE, INC	549300JYXTZDSPJEPI44	6,863	2,285	33.3
20	M&T BANK	WWB2V0FCW3A0EE3ZJN75	2,182	711	32.6
21	ROCKET MORTGAGE	549300FGXN1K3HLB1R50	96,051	28,619	29.8
22	Mutual of Omaha Mortgage	549300OPCWU6E72WUT29	15,148	4,375	28.9
23	Kind Lending, LLC	549300MZ8VZJOVC63092	10,723	2,955	27.6
24	PHH Mortgage Corporation	PAOOWF3GUFM46FBSP561	3,589	974	27.1
25	Pulte Mortgage LLC	5493004WMLN60ZJ2ON46	4,007	1,075	26.8
26	TAYLOR MORRISON HOME FUNDING, INC.	549300UI36AJZ0WZ4U93	2,245	602	26.8
27	NEW AMERICAN FUNDING, LLC.	549300E2UX99HKDBR481	25,501	6,796	26.6
28	Nationstar Mortgage	549300LBCBNR1OT00651	7,650	2,024	26.5
29	Huntington National Bank	2WHM8VNJH63UN14OL754	2,766	728	26.3
30	LOANUNITED.COM, LLC	549300PL267CW8182203	2,168	537	24.8
31	CALCON MUTUAL MORTGAGE LLC	549300NFPC3Y4W3Y7R87	2,122	511	24.1
32	US BANK, N.A.	6BYL5QZYBDK8S7L73M02	2,596	609	23.5
33	PENNYMAC LOAN SERVICES LLC	RVDPPPGHCGZ40J4VQ731	32,517	7,444	22.9
34	Lennar Mortgage, LLC	549300H3IZO24NSOO931	25,525	5,846	22.9
35	LOWER, LLC	549300RN01LBYR8ZVX74	6,151	1,369	22.3
36	United Wholesale Mortgage	549300HW662MN1WU8550	112,470	24,022	21.4
37	DHI Mortgage Company, LTD.	5493001SXWZ4OFP8Z903	40,378	8,318	20.6
38	Equity Prime Mortgage LLC	549300K4ZLGS7SRDTL86	8,792	1,798	20.5
39	SUN WEST MORTGAGE COMPANY, INC	549300SK2GVCQXPD4S58	5,951	1,192	20
40	FREEDOM MORTGAGE CORPORATION	549300LYRWPSYPK6S325	41,095	8,159	19.9
41	PROSPERITY HOME MORTGAGE, LLC	5493005PKOSG7MYX0B34	4,070	736	18.1
42	PLANET HOME LENDING, LLC	54930021WPEXNHYZUL09	7,304	1,303	17.8
43	STOCKTON MORTGAGE CORPORATION	549300QR0KFPEDZPEI42	2,992	489	16.3
44	Inspire Home Loans Inc.	5493007VW2EU20PZYU97	3,966	622	15.7
45	AMERICAN FINANCIAL NETWORK, INC.	5493008NWHQT1R22C024	6,096	932	15.3
46	Top Flite Financial, Inc.	54930030Z1JWTP3SVD16	2,281	347	15.2
47	Plains Commerce Bank	549300KJ8PAJ7E52HG32	3,650	528	14.5
48	AmeriHome Mortgage Company, LLC	254900HA4DQWAE0W3342	5,371	768	14.3
49	SECURITYNATIONAL MORTGAGE COMPANY	549300VQUTI5IU7GXT57	2,782	387	13.9
50	GUARANTEED RATE, INC.	549300U3721PJGQZYY68	12,451	1,672	13.4
51	HOMEAMERICAN MORTGAGE CORPORATION	5493001HHBUTXHS7TZ96	2,106	271	12.9
52	American Pacific Mortgage Corporation	549300KIOYNU323LVJ37	8,201	1,051	12.8
53	ZILLOW HOME LOANS, LLC	549300370QILXLFUWD20	2,946	364	12.4
54	KBHS HOME LOANS, LLC	5493002QI2ILHHZH8D20	3,918	479	12.2
55	CARDINAL FINANCIAL COMPANY, LI	549300VORTI31GZTJL53	6,686	799	12
56	FINANCE OF AMERICA REVERSE LLC	549300S5YL3OH0IVCS62	7,008	828	11.8
57	LONGBRIDGE FINANCIAL, LLC	549300MHH03ICJYEPE85	5,016	572	11.4
58	NATIONS LENDING CORPORATION	254900WEP08K7U7S3A80	2,424	268	11.1
59	The Loan Store, Inc	254900DTLHVWQ7NP7R34	3,619	393	10.9
60	Synergy One Lending, Inc.	2549004FXPNKCLIN8250	2,372	257	10.8
61	Primary Residential Mortgage, INC.	54930052M48FOD3CWA54	3,050	325	10.7
62	American Financial Resources LLC	5493002B2WMHY23GFK92	5,438	563	10.4
63	OCMBC, INC.	549300J7I82PNDVU8H22	4,437	463	10.4
64	Ameris Bank	IUGPUX5LWRZ3B6KIZ697	2,234	228	10.2
65	EVERETT FINANCIAL, INC.	549300XWUSRVVOHPRY47	5,404	545	10.1
66	FIRST COMMUNITY MORTGAGE, INC.	549300R0SXC1JU7ZU290	3,298	312	9.5
67	Ruoff Mortgage Company	549300GSCUJKJINRJ980	3,041	285	9.4
68	Click n' Close, Inc.	54930049L5WINET09Q97	5,630	517	9.2
69	T2 FINANCIAL LLC	549300GTVXJ2PGXNLM73	3,081	283	9.2
70	PRIMELENDING	549300121SF0K2LN2804	5,782	524	9.1
71	Acrisure Mortgage, LLC	5493005JPZ3LXXMB0S24	2,441	216	8.8
72	FAIRWAY INDEPENDENT MORT CORP	549300MGPZBLQDIL7538	18,130	1,507	8.3
73	UNION HOME MORTGAGE CORP.	549300RPOGWJRH63HS39	8,891	737	8.3
74	GATEWAY FIRST BANK	54930034MNPILHP25H80	1,973	152	7.7
75	Luminate Bank	549300RFLICNI75BG067	2,009	146	7.3
76	First Heritage Mortgage, LLC	549300EM8ID8J7F8OM55	1,999	144	7.2
77	Gold Star Mortgage Financial Group, Corporation	5493002Y5XYV7DV1ZV88	2,534	177	7
78	Ixonia Bank	549300T9P3WXNMXX0I34	2,472	166	6.7
79	GUILD MORTGAGE COMPANY	549300AQ3T62GXDU7D76	24,313	1,609	6.6
80	CROSSCOUNTRY MORTGAGE, LLC	549300VZVN841I2ILS84	29,897	1,877	6.3
81	CMG MORTGAGE INC	549300GKFNPRWNS0GF29	16,407	1,011	6.2
82	MOVEMENT MORTGAGE, LLC	549300DD4R4SYK5RAQ92	14,292	841	5.9
83	PARAMOUNT RESIDENTIAL MORTGAGE	254900ZFWS2106HWPH46	7,977	459	5.8
84	FIRST COLONY MORTGAGE CORPORAT	5493003V40VGM7YDFM54	2,261	127	5.6
85	TOWNE MORTGAGE COMPANY	549300R7HGHP2I754087	3,455	190	5.5
86	M/I FINANCIAL. LLC	549300PXL1KA5TOL2O82	2,603	136	5.2
87	Premier Mortgage Resources, LLC	549300B4IYL7TZT8FA34	2,091	109	5.2
88	V.I.P. MORTGAGE, INC.	549300PC4MFWQBNVKG88	1,940	95	4.9
89	DAS ACQUISITION COMPANY, LLC	549300ZZME37MXI1EF14	2,595	122	4.7
90	ARK-LA-TEX FINANCIAL SERVICES LLC	5493001GDRY0EL7VG372	4,671	215	4.6
91	American Neighborhood Mortgage Acceptance Company	549300F8C5JA44WNMI75	3,543	163	4.6
92	CANOPY MORTGAGE, LLC	549300ZWNETGFXTBBY03	2,732	118	4.3
93	NFM, INC	549300MCIFZSDHUT8X63	4,831	198	4.1
94	VELOCIO MORTGAGE, L.L.C.	549300OQMU3ID8QA6M46	3,140	126	4
95	ATLANTIC BAY MORTGAGE GROUP	549300RWXUAFD1WAE410	3,145	113	3.6
96	GENEVA FINANCIAL LLC	5493001XKL0FTNOJ0866	1,968	70	3.6
97	Highlands Residential Mortgage, Ltd.	549300KHXD7JSQUZIJ22	2,179	66	3
98	VANDERBILT MORTGAGE AND FINANCE, INC	5493000YNV8IX4VD3X12	2,569	70	2.7
99	FLAT BRANCH MORTGAGE, INC.	549300LXKO1O7CSK5J52	4,179	75	1.8
100	Lakeview Community Capital	5493005EYZOUVJUXAX38	2,957	53	1.8

FHA Denial Rates by Lender — Top 100 Lenders, 2025

FHA mortgage denial rates for the 100 largest FHA lenders in the United States, computed from the complete 2025 CFPB Home Mortgage Disclosure Act (HMDA) public loan-level record (1,217,297 decisioned FHA applications).

Key facts in this dataset: the 2025 spread across the 100 largest FHA lenders runs from 1.8% to 78.7% — a roughly 44x difference within a single federal program. The national FHA denial rate in 2025 was 21.7%.

Columns

rank_by_denial_rate — 1 = highest denial rate
lender_name — institution name as reported to HMDA
lei — Legal Entity Identifier
fha_applications_decisioned — FHA applications reaching a credit decision (action_taken 1, 2, or 3)
fha_denials — applications denied (action_taken 3)
fha_denial_rate_pct — denials ÷ decisioned applications × 100

Methodology

FHA = loan_type 2. Denominator = action_taken in {1, 2, 3} (originated + approved-not-accepted + denied). Denial = action_taken 3. Top 100 by FHA application volume. Full methodology: https://financeratecalc.com/methodology.html

Denial rates partly reflect applicant mix; a high rate is a historical observation, not evidence of wrongdoing, and this dataset is not a recommendation to use or avoid any lender.

Source & citation

Underlying data: CFPB HMDA 2025 public Snapshot. Processing: FinanceRateCalc (independent; no lender partnerships, no advertising).

Yetiş, Z. (2026). FHA Denial Rates by Lender — Top 100, 2025. FinanceRateCalc. https://financeratecalc.com/fha-denial-rates-top-100.html — companion working paper: SSRN abstract 7156938.

License: CC BY 4.0. A denial is a data point, not a verdict on the applicant.

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