7 years of federal HMDA data reveals dramatic differences in FHA denial rates across major lenders. Same borrower profile. Same federal guidelines. Wildly different outcomes.
⚠️ Educational Tool Only — Data from CFPB HMDA public dataset. Historical patterns only. Not financial advice. Lender policies change frequently — verify current guidelines before submitting.
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Data source: CFPB HMDA Public LAR Dataset 2018–2024. FHA loan type only (loan_type=2). Denial rate = denied applications ÷ (denied + originated).
Historical patterns do not predict future lender behavior. Lender policies change frequently.
This is educational information only — not financial advice, mortgage advice, or a recommendation to use any specific lender.