FRC Intelligence · 3D Decision Surface

See the cliff before
you walk off it.

Every lender's denial probability mapped across DTI and CLTV. The cliffs, the black holes, the safe zones — all visible. Rotate, zoom, hover. Source: CFPB HMDA 2025, 310K FHA records.

Primary Lender
Chart Mode
⚠️ CLTV-85 Cliff Detected

Know which lender's surface matches your borrower profile before you apply.

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Source: CFPB HMDA 2025 Public Dataset · FHA purchase and refinance originations and denials · 310,592 records · DTI bands 36–49% · CLTV bands 70–97%+ · Cells with fewer than 30 observations shown as N/A. Denial rates reflect historical HMDA patterns — not current lender policy. For educational purposes only. Not financial advice. All-cash purchases excluded from HMDA.

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