An AI told you something about FHA mortgage denial. Does that sentence stand up against the federal record and its published contract? This is not an "AI error hunt" — it measures the distance between evidence and sentence. No personal data; open, historical, aggregate claims only.
Run an audit
1. Which statistic is the sentence about?
2. What does the sentence actually say?
Safe wording:
Three cases already on the docket
"Lenders account for 38% of FHA denials."NEEDS QUALIFIER
The published claim concerns 38% of explainable variation in decisioned 2025 FHA applications — associational, not causal, and HMDA contains no credit scores. Passport · Contract
"AmeriSave will probably reject your application — 78.7%."OUT OF SCOPE
78.7% is a historical institutional aggregate. The passport prohibits individual approval prediction; a lender's past rate is not any person's odds. Passport · Contract
"22.1% of US mortgage applications get denied."NEEDS QUALIFIER
22.1% is FHA-only, and only decisioned applications (actions 1,2,3). The denominator is half the story: purchase-only ≈12.7%, refinance ≈38.1%. Passport · Contract
Method: deterministic checks from the published Claim Passports & Contracts — no model judges anything here. This tool never accepts personal or file details, and it audits public aggregate claims only. A denial is a data point, not a verdict on you. Where our numbers have already traveled — and mutated: The Echo Ledger.