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FRC Research · 2025 HMDA Data

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Denial rates from CFPB HMDA loan-level 2025. High-risk profile (DTI 44+, CLTV 90+): market average 59.9%. Mid-risk (DTI 36-43, CLTV 80-89): market average 12.7%. Rates reflect observed outcomes for borrowers with similar DTI and CLTV. Credit score is masked in HMDA. Statistical research, not financial advice.
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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.

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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.

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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.