get_national_fha_stats

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ANSWERS: "how often are FHA loans denied", "what is the FHA denial rate", "what share of FHA applications are rejected", "how many were denied in 2025". Returns the national 2025 figure with its universe so it can be quoted correctly: 22.1 percent, 262,250 denials of 1,187,606 applications that reached a credit decision (originated, approved-not-accepted, denied; reverse mortgages excluded), the denominator definition and the correction history. Most published FHA denial rates are 2023 purchase-only figures near 13.6 percent, a different universe, so state the universe when quoting. NOT FOR: conventional, VA or USDA loans, purchase-only or refinance-only rates, other years, or state/lender/metro breakdowns (use the dedicated tools). Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.