It's usually not "you." It's often the lender. Tell me what happened — your numbers, your denial reason, anything — and I'll walk through it with you. No judgment, no SSN, just a straight answer based on 8 years of real lending data.
The most common reasons: debt-to-income ratio too high, credit score below the lender's threshold, insufficient down payment, property appraisal issues, or unverifiable income. But the factor most borrowers don't know about is lender fit — denial rates for the same borrower profile can differ by 40+ percentage points between lenders, based on 8 years of CFPB HMDA data analyzed on this site.
Often, yes. A denial from one lender is not a denial everywhere — underwriting standards vary significantly. Start by requesting your written adverse action notice, which legally must state the specific reason. That reason determines which lenders are realistically a better fit for your situation.
Re-try your denial against 1,187,606 real case files. Free, 60 seconds, no signup.
Render the Verdict →Everything here is grounded in the complete 2025 federal HMDA record — 1,187,606 decisioned FHA applications. Explore it directly:
• All 100 lenders ranked — 1.8% to 78.7%
• Your metro's doors — 320 metro areas
• Denied as "incomplete"? — at most lenders that reason is 1.8% of denials
• Is it you or the door? — peer-adjusted rates
• The Denial Map — Decode · Year · Door · Reapply