Banks write denial letters in legal language designed to confuse you. Paste yours — Zai surfaces historical patterns from federal data and tells you the real reason, and potential next steps for educational review.
🔍 Also explore: All FRC Tools · Lender Comparison · FHA by State · Lender Stress Index
Re-try your denial against 1,187,606 real case files. Free, 60 seconds, no signup.
Render the Verdict →Credit-related reasons appear on a large share of FHA adverse action notices. If yours is one of them, understanding the repair path costs nothing to explore.
See the credit repair breakdown →⏱ And while the file waited — what did the market do? Read the Meter →
Decoded your letter? If your loan was under $150K, the odds were stacked before you applied → The small-loan penaltyPrices 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.