๐Ÿ’‘ Dual Income Calculator

Can Two Salaries Buy This House? Find Out Now.

Calculate Combined Buying Power

Two incomes. One dream. Enter your salaries and a home price โ€” get an honest banker's answer in 30 seconds.

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43% Max DTI limit
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๐Ÿ‘ค
Person A
Annual Gross Income
$
Monthly Debts (car, student loans, etc.)
$
๐Ÿ‘ค
Person B
Annual Gross Income
$
Monthly Debts (car, student loans, etc.)
$
๐Ÿ  The Home
Home Price
$
Down Payment %
Interest Rate %
Banker's Tip
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๐Ÿ” Also explore: All FRC Tools ยท Lender Comparison ยท FHA by State ยท Lender Stress Index

The part almost nobody publishes free

Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% โ€” same programme, same year.

And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7ร— range in expected outcomes.

Which lenders approve most โ†’ Your metro โ†’ Denied? โ†’

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.

The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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AI Accuracy Index The Door Effect The Denial Map Open Data About 184 Metro Gaps Evidence Navigator Hallucination Files Press Newsletter
FinanceRateCalc ยท Independent analysis of the complete federal HMDA record ยท Measured, not assumed. ยท No lender or AI vendor funds or previews this work.