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).
Provisional: this page's figure comes from Decision Geometry Benchmark v1 (superseded by the Denial-AI Benchmark v1.3), which is not regenerated from a data file in the public repository; it has not been re-verified since 2026-07-21. Cite with that caveat. This page is regenerated from data or removed by 2026-10-22. Audit: eval/stat-audit.json.
Cite freely · CC BY 4.0Source: CFPB HMDA 2025 (1,187,606 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics