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Mortgage Rejection
Map

Mortgage Rejection Map

Banks are not required to tell you the real reason you were denied. We are. Real people sharing real rejection stories — by lender type, state, and credit score. 100% anonymous.

247
Stories Shared
38
States Represented
71%
Later Got Approved
Live feed — new stories appear as they're submitted. All stories are anonymous and manually reviewed.
Recent Stories
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Top Rejection Reasons
#1
DTI / Debt-to-Income Too High
89 stories · avg DTI 48%
#2
Credit Score Below Threshold
67 stories · avg score 608
#3
Insufficient Reserves
43 stories · avg reserves 1.2 months
#4
Employment History / Self-Employed
31 stories
#5
Appraisal Came in Low
17 stories
Rejection Rate by Lender Type
Large National Bank
78%
Online Lender
52%
Credit Union
41%
FHA Lender
29%
Portfolio Lender
23%
Based on community-submitted stories. Not official data.
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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% — 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 2.7× range in expected outcomes.

Which lenders approve most → Your metro → Denied? →

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 · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.