Unlimited FHA lender comparison on observed data decisions. Bulk CSV upload. PDF reports with your branding. Full access to lender DNA, cliff maps, and black hole coordinates. Built for brokers who route more than 10 files a month.
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DTI, CLTV, FICO range, loan type, state. Takes 30 seconds.
Top 5 lenders for this profile, sorted by observed historical denial rates. Includes cliff warnings and black hole alerts.
Client-ready report with your name, the lender ranking, and the behavioral data behind each recommendation.
Batch process multiple files via CSV. Get routing results for your entire pipeline in one download.
// Sample routing response for: DTI 44%, CLTV 88%, FICO 640, FHA Purchase, TX { "top_lender": "Mr. Cooper", "denial_probability": "18.4%", "cltv_cliff_warning": false, "alternatives": [ { "lender": "Guild Mortgage", "denial_est": "22.1%" }, { "lender": "CrossCountry", "denial_est": "24.7%" } ], "highest_historical_denial": [ { "lender": "Rocket", "pattern": "CLTV-85 gene active (+54.9pp at this LTV)" }, { "lender": "PennyMac", "pattern": "High-risk disparity +28.8pp above market" } ], "source": "CFPB HMDA 2025, 1,187,606 FHA records" }
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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.