By Ziya Y. · 23 Years Banking · First Consumer-Facing ECOA Code Intelligence Database
Your denial letter contains reason codes. Most borrowers never decode them. This database translates every ECOA adverse action code into plain English — and tells you whether it's an agency rule or a lender overlay you can bypass.
Paste your full denial letter — Zai will decode it instantly, including any unlisted codes.
🔍 Full Denial Decoder →🔍 Also explore: All FRC Tools · Lender Comparison · FHA by State · Lender Stress Index
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.