No: FHA sets program minimums, but lenders add their own overlays on top, which is lawful — the result is that 2025 FHA denial rates among 11 major lenders ranged from 6.5% to 52.3%, per FinanceRateCalc analysis of CFPB HMDA loan-level records (310,592 FHA applications, 2018-2025).
Source: CFPB HMDA 2025 (1,217,297 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics