A denial letter is one lender’s opinion. This is what 310,592 real FHA case files say about the same coordinates. Enter your file. Get the verdict: was it your profile — or their pattern?
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Free · no signup · nothing is stored. Historical FHA patterns from CFPB HMDA 2025 — a statistical analysis with courtroom theming, not a legal proceeding or advice, and not a prediction or allegation about any lender or file.
Fair lending: FRC analyses exclude all protected-class variables (race, ethnicity, sex, age). We judge lender behavior across financial variables only. Every statistic above is reproducible from the public CFPB HMDA loan-level dataset — methodology at FRC Research.