{
 "name": "FRC Mortgage Decision Geometry Benchmark (MDGB) v1",
 "generated": "2026-07-15",
 "purpose": "A ground-truth test set for LLMs answering mortgage denial questions. Generic FHA guideline answers ('FHA allows up to 57% DTI') are frequently misleading at real lender coordinates. Each case pairs the typical guideline answer with observed federal outcomes.",
 "source": "CFPB HMDA loan-level FHA records, 2025 vintage, 310,592 applications; FRC 6-lender decision surfaces; minimum cell n=50",
 "license": "Free to use, quote, and cite with attribution to FinanceRateCalc (FRC Intelligence), https://financeratecalc.com/ai-benchmark.html",
 "how_to_cite": "FRC Intelligence (2026). Mortgage Decision Geometry Benchmark v1. FinanceRateCalc. https://financeratecalc.com/ai-benchmark.html",
 "summary": {
  "total_cases": 113,
  "cases_where_guideline_answer_is_misleading": 27,
  "misleading_share_pct": 23.9,
  "headline": "In 24% of tested real coordinates, the standard guideline-based answer materially misleads the borrower: observed denial rates exceed 50% where guidelines suggest eligibility."
 },
 "caveats": [
  "Denial rates reflect applicant mix as well as underwriting strictness; they are outcome frequencies, not approval probabilities for a specific individual.",
  "HMDA contains no credit scores, no employment-verification detail, and no application dates. Any model answer citing those from this dataset is fabricating.",
  "Overlays are lawful business decisions. This benchmark measures outcomes, not intent or impropriety.",
  "Cells with n<50 are excluded."
 ],
 "cases": [
  {
   "lender": "PennyMac",
   "dti": 43,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 97.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 97.4% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "PennyMac",
   "dti": 47,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 97.3,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 97.3% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "PennyMac",
   "dti": 44,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 96.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 96.8% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "PennyMac",
   "dti": 45,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 96.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 96.4% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Freedom",
   "dti": 43,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 96.1,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 96.1% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Freedom",
   "dti": 47,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 96.1,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 96.1% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Rocket",
   "dti": 44,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 94.1,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Rocket denied 94.1% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "PennyMac",
   "dti": 49,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 93.9,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 93.9% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Freedom",
   "dti": 49,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 92.6,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 92.6% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Freedom",
   "dti": 44,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 83.0,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 83.0% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "PennyMac",
   "dti": 45,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 78.3,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 78.3% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Guild",
   "dti": 45,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 75.7,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 75.7% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "PennyMac",
   "dti": 43,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 75.7,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 75.7% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "PennyMac",
   "dti": 44,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 74.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 74.4% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Guild",
   "dti": 44,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 72.6,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 72.6% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "PennyMac",
   "dti": 47,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 70.9,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 70.9% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Guild",
   "dti": 43,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 69.5,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 69.5% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Guild",
   "dti": 47,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 66.7,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 66.7% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "PennyMac",
   "dti": 49,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 62.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 62.8% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Guild",
   "dti": 49,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 58.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 58.8% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Guild",
   "dti": 45,
   "cltv_band": "95-96",
   "observed_denial_rate_pct": 58.2,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 58.2% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Guild",
   "dti": 49,
   "cltv_band": "95-96",
   "observed_denial_rate_pct": 55.6,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 55.6% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Guild",
   "dti": 47,
   "cltv_band": "95-96",
   "observed_denial_rate_pct": 54.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 54.4% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "MrCooper",
   "dti": 49,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 54.3,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 54.3% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "MrCooper",
   "dti": 45,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 54.0,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 54.0% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Guild",
   "dti": 44,
   "cltv_band": "95-96",
   "observed_denial_rate_pct": 50.9,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 50.9% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "Rocket",
   "dti": 44,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 50.0,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Rocket denied 50.0% of FHA applications in 2025.",
   "verdict": "LLM_ANSWER_MISLEADING"
  },
  {
   "lender": "MrCooper",
   "dti": 47,
   "cltv_band": "97+",
   "observed_denial_rate_pct": 49.1,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 49.1% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "Guild",
   "dti": 45,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 39.1,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 39.1% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "PennyMac",
   "dti": 47,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 38.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 38.4% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "PennyMac",
   "dti": 45,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 37.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 37.8% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "PennyMac",
   "dti": 43,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 36.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 36.4% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "Rocket",
   "dti": 45,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 34.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Rocket denied 34.8% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "PennyMac",
   "dti": 44,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 30.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 30.8% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "Guild",
   "dti": 47,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 30.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 30.4% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "Freedom",
   "dti": 47,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 28.9,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 28.9% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "Guild",
   "dti": 43,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 28.0,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 28.0% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "Rocket",
   "dti": 49,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 27.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Rocket denied 27.8% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "Rocket",
   "dti": 43,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 25.0,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Rocket denied 25.0% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "Freedom",
   "dti": 45,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 23.6,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 23.6% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "Guild",
   "dti": 44,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 22.6,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 22.6% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "Guild",
   "dti": 45,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 22.1,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 22.1% of FHA applications in 2025.",
   "verdict": "PARTIALLY_CORRECT"
  },
  {
   "lender": "PennyMac",
   "dti": 49,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 19.2,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 19.2% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "PennyMac",
   "dti": 45,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 19.1,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 19.1% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 49,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 18.0,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 18.0% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "PennyMac",
   "dti": 47,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 17.3,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 17.3% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 45,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 15.7,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 15.7% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Freedom",
   "dti": 49,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 15.1,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 15.1% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Rocket",
   "dti": 45,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 14.6,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Rocket denied 14.6% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 44,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 14.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 14.4% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 47,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 13.2,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 13.2% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "PennyMac",
   "dti": 43,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 13.0,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 13.0% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Freedom",
   "dti": 45,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 12.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 12.8% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 43,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 12.2,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 12.2% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Rocket",
   "dti": 44,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 11.3,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Rocket denied 11.3% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 44,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 11.3,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 11.3% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 43,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 10.9,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 10.9% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 43,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 10.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 10.8% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Rocket",
   "dti": 43,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 10.5,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Rocket denied 10.5% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 43,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 10.5,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 10.5% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Freedom",
   "dti": 47,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 10.3,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 10.3% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 44,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 9.9,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 9.9% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "PennyMac",
   "dti": 44,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 9.5,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 9.5% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "PennyMac",
   "dti": 49,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 9.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 9.4% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Rocket",
   "dti": 47,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 9.2,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Rocket denied 9.2% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 47,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 9.2,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 9.2% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "PennyMac",
   "dti": 47,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 9.1,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 9.1% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 47,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 9.1,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 9.1% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 45,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 9.0,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 9.0% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "PennyMac",
   "dti": 43,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 8.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 8.8% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "CrossCountry",
   "dti": 47,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 8.1,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, CrossCountry denied 8.1% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Freedom",
   "dti": 47,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 7.9,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 7.9% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Rocket",
   "dti": 49,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 7.7,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Rocket denied 7.7% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Freedom",
   "dti": 45,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 7.6,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 7.6% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 44,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 7.6,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 7.6% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "PennyMac",
   "dti": 45,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 7.3,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 7.3% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 49,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 7.3,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 7.3% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 47,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 7.0,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 7.0% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 45,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 6.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 6.8% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 45,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 6.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 6.8% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 49,
   "cltv_band": "90-94",
   "observed_denial_rate_pct": 6.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 6.8% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 47,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 6.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 6.4% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 49,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 6.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 6.4% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "CrossCountry",
   "dti": 49,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 5.6,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, CrossCountry denied 5.6% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 49,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 5.5,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 5.5% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Freedom",
   "dti": 43,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 5.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 5.4% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Freedom",
   "dti": 49,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 5.3,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 5.3% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "PennyMac",
   "dti": 44,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 4.9,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 4.9% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 45,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 4.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 4.8% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 45,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 4.6,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 4.6% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Rocket",
   "dti": 44,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 4.5,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Rocket denied 4.5% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 43,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 4.5,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 4.5% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 44,
   "cltv_band": "85-89",
   "observed_denial_rate_pct": 4.5,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 4.5% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 47,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 4.3,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 4.3% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Freedom",
   "dti": 44,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 4.2,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 4.2% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 43,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 3.9,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 3.9% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 44,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 3.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 3.8% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "MrCooper",
   "dti": 49,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 3.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, MrCooper denied 3.8% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "CrossCountry",
   "dti": 44,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 3.7,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, CrossCountry denied 3.7% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "CrossCountry",
   "dti": 43,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 3.5,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, CrossCountry denied 3.5% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "PennyMac",
   "dti": 49,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 3.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, PennyMac denied 3.4% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "CrossCountry",
   "dti": 43,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 3.4,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, CrossCountry denied 3.4% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 47,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 3.3,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 3.3% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Freedom",
   "dti": 49,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 3.3,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 3.3% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Freedom",
   "dti": 43,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 3.2,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 3.2% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Freedom",
   "dti": 44,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 3.2,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Freedom denied 3.2% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "CrossCountry",
   "dti": 44,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 3.1,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, CrossCountry denied 3.1% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "CrossCountry",
   "dti": 45,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 3.1,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, CrossCountry denied 3.1% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 43,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 3.0,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 3.0% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 44,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 2.2,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 2.2% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 49,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 1.9,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 1.9% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "Guild",
   "dti": 49,
   "cltv_band": "80-84",
   "observed_denial_rate_pct": 1.5,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, Guild denied 1.5% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  },
  {
   "lender": "CrossCountry",
   "dti": 45,
   "cltv_band": "70-79",
   "observed_denial_rate_pct": 0.8,
   "common_llm_answer": "FHA permits DTI up to 57% with compensating factors, so this profile should generally qualify.",
   "ground_truth": "At this exact coordinate, CrossCountry denied 0.8% of FHA applications in 2025.",
   "verdict": "CONSISTENT"
  }
 ]
}