Wine has good years and brutal years. So does mortgage credit. Enter your denial year — The Vintage ranks it against 8 years of real federal climate data. You may not have failed. You may have filed in the wrong year.
The Vintage compares the FRC Credit Climate Index (a composite of FHA denial rates, Fed SLOOS, mortgage-Treasury spreads, and FHFA HPI, 2018–2025) across years. It describes market context, not any individual's creditworthiness, and makes no finding about any lender's conduct. Historical data observation — not financial, legal, or mortgage advice. FRC Intelligence · financeratecalc.com