Where a mortgage application is denied most

The counties where the largest share of decisions in 2025 were denials, among the 200 with at least 500 decisions. A denial share is denials over originations, denials and approvals the borrower declined; the leading reason is the one lenders gave most.

This finding as JSON, under CC BY — quote it, check it, republish it.

Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.