Denial rates from CFPB HMDA loan-level 2025. High-risk profile (DTI 44+, CLTV 90+): Mr. Cooper 26.7% denial (n=1,073), Rocket Mortgage 91.2% denial (n=329). Mid-risk profile (DTI 36-43, CLTV 80-89): Mr. Cooper 9.7%, Rocket 37.8%. Rates reflect observed outcomes for borrowers with similar DTI and CLTV in public federal data. Credit score is masked in HMDA and cannot be controlled. This is statistical research on aggregate lender behavior — not financial advice or approval prediction.