📊 Your Equity Snapshot
Use Zillow or a recent appraisal estimate
Check your latest mortgage statement
Your current mortgage rate
How many years left on your loan
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Most homeowners don't have an accurate picture of their equity — and that number matters more than most people realize. Enter two numbers and see exactly where you stand.
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.