Try an example
Overpriced by $40K
94 days on market
3 price cuts, still sitting
New listing, no offers
Zillow / Redfin URL or describe the listing
Paste any listing URL or describe the property. Zai tells you exactly what's killing it โ and what price would make it move in 14 days.
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.