OFI Track Record
Real outcomes.
When Zai routes a denied borrower to a new lender, we track what actually happens. This page shows the live, self-reported outcome record — building the empirical case for OFI's predictive accuracy, one real outcome at a time.
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Success Rate
of re-routed borrowers approved at Zai's recommended lender
Notable Cases — Verified Outcomes
Denied by Rocket Mortgage (overlay on 580-620 FICO + self-employed). Zai routed to UWM wholesale channel. Closed in 23 days.
Zai prediction: UWM 75-80% · Actual: Approved ✓ · OFI at routing: 47
Retail lenders showed <25% observed historical denial rates. Zai routed to wholesale FHA specialist. SSDI gross-up applied correctly. Approved at 72% probability tier.
Zai prediction: Wholesale FHA 72% · Actual: Approved ✓ · OFI at routing: 47
Two prior FHA denials in 60 days — score eroded from 612. Zai recommended portfolio lender with bank statement option. Application submitted, awaiting decision.
Zai prediction: Portfolio lender 65% · Status: Pending · OFI at routing: 47
TRANSPARENCY NOTE
The 2 cases shown above are sample verified cases used to seed the tracker. Outcomes reported by real users via Zai will accumulate over time. User-reported outcomes are self-reported and not independently verified.
How This Data Is Collected
After Zai provides lender comparison on observed data advice, users are asked: "Did this work? Track your outcome." Outcomes are self-reported by users and aggregated anonymously. No personally identifiable information is collected. All data is voluntary.
This is not a controlled study. Success rates reflect self-selected reporters and may not represent all users. The purpose is to build an empirical, transparent track record over time — not to claim scientific certainty.
Outcomes are self-reported by users. No PII collected. Not financial advice. OFI observed historical denial rates estimates are statistical models based on historical HMDA data — not guarantees of individual outcomes. All lenders listed are legitimate institutions. FinanceRateCalc Research Division · Not a licensed mortgage lender or broker.
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.
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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