Every lender denies. This dataset shows what they blame — the distribution of cited denial reasons for each of the 100 largest FHA lenders in the complete 2025 CFPB HMDA record.

Why it matters

Reason distributions are far more lender-specific than denial rates themselves:

"Incomplete application" — median share 1.2% across the 100 lenders, but 73.5% at Carrington Mortgage Services and 72.2% at Lakeview… See the full description on the dataset page: https://huggingface.co/datasets/FinanceRateCalc/fha-denial-reason-fingerprints.