Among the 100 largest FHA lenders in 2025, AmeriSave Mortgage recorded the highest observed denial rate at 78.7% of 22,944 decisioned applications, followed by American Financing at 71.0% and Carrington Mortgage Services at 58.4%, per FinanceRateCalc analysis of the complete CFPB HMDA 2025 FHA dataset; denial rates reflect applicant mix and channel as well as underwriting strictness.
Source: CFPB HMDA 2025 (1,217,297 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics