FinanceRateCalc ("we," "us," "our") operates financeratecalc.com, including the OFI (lender denial patterns) and the public data tables. Zai, Zai for Brokers and the Verdict Case File were withdrawn on 4 September 2026; the sections below that mention them describe data no longer collected. We are an educational mortgage intelligence platform — not a lender, broker, or financial advisor.
Free tools (Zai, OFI Dashboard, Denial Decoder, OFI Match, Appeal Letter, OFI Futures):
Zai for Brokers — $49/month subscription:
OFI Weekly Briefing (newsletter):
Outcome Tracker (Zai):
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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.
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.