Embed Zai on your website, connect to Follow Up Boss, or use the mortgage API. Free. No setup fee. Built by a banker — not a startup.
Zai connects to your FUB pipeline. When a lead comes in, Zai runs a mortgage readiness analysis — credit tier, DTI estimate, likely lender type — and posts it as a note on the contact. Your agents know what they're working with before the first call.
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.