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Why You Were Denied —
And Who Will Say Yes

Most mortgage denials are routing problems, not borrower problems. We analyze the 100 largest FHA lenders using 7 years of federal HMDA data to find your highest historical fit.

✓ CFPB HMDA Data
✓ No SSN or credit pull
✓ the 100 largest lenders analyzed
✓ Instant results
ℹ️ Educational tool only. Not a loan offer, mortgage advice, or approval guarantee. Results based on historical HMDA data — individual outcomes vary. Always consult a licensed mortgage professional. Methodology & limitations →
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No SSN required · No credit check · Educational purposes only
Analyzing Your Profile...
Not a loan offer · Not financial advice · Historical patterns only · Results vary by individual circumstance
Your Mortgage Decision Report
Lender Ranking — Highest Historical Fit First
Market Signal (OFI)
Your Action Plan
Market Timing Signal
Rate Scenario Impact

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This tool provides historical statistical patterns derived from CFPB HMDA public datasets. It does not predict approvals, guarantee outcomes, or constitute financial advice. Lenders independently evaluate applications using criteria not captured in this data. All scores and rankings reflect historical patterns only. Individual outcomes vary. Always consult a licensed mortgage professional before making application decisions. Full methodology & limitations →
The part almost nobody publishes free

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.

Which lenders approve most → Your metro → Denied? →

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.

The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.