In 23.9% of 113 real lender-DTI-CLTV coordinates tested, the standard guideline-based answer (that FHA permits up to 57% DTI) materially misleads borrowers because observed denial rates exceed 50% at those coordinates, per the FRC Mortgage Decision Geometry Benchmark v1 (2026).
Source: CFPB HMDA 2025 (1,217,297 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics