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Denial rates for mortgages in the United States from 1st quarter 2019 to 3rd quarter 2025, by race

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Source

Release date

February 2026

Region

United States

Survey time period

Q1 2019 to Q3 2025

Special properties

Denial rates for conventional conforming loans

Supplementary notes

The release date is the date of access.

Citation formats

Denial rates for mortgages in the U.S. 2019-2025, by race

Published by ÌÇÐÄÆƽâ°æ Research Department, Feb 3, 2026

Black mortgage applicants had the highest denial rates in the United States between the first quarter of 2019 and the third quarter of 2025. In the third quarter of 2025, denial rates were **** percent for Black applicants, while Hispanic applicants had the second-highest denial rates at percent. For all races, the denial rates significantly fluctuated between 2019 and 2025.

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Statistics on " Bank loans in the United States "

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Other statistics that may interest you Bank loans in the United States

Overview

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Interest rates

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Mortgages

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Personal, student, and car loans

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Business loans

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Non-performing loans

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Loan behavior

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Topics

Bank loans in the United StatesCar financing and leasing in the U.S.Mortgage industry in the U.S.Consumer lending in the UKDigital lending industry in India
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For single users
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