The Verdict · Beta

Your denial, re-tried.

A denial letter is one lender’s opinion. This is what 1,187,606 real FHA case files say about the same coordinates. Enter your file. Get the verdict: was it your profile — or their pattern?

Debt-to-income at time of application (DTI) Don’t know your DTI? Calculate it →

Gross monthly income (before tax), $ Monthly housing payment you applied for (or estimate), $ All other monthly debt payments (cards, car, student loans), $

Enter your numbers — DTI appears here

Combined loan-to-value (CLTV) Don’t know your CLTV? Calculate it →

Home price / appraised value, $ Your down payment, $

Enter your numbers — CLTV appears here

The lender that denied you

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.

The facts behind this verdict

In 2025, FHA denial rates among the 100 largest lenders ranged from 1.8% (Flat Branch) to 78.7% (AmeriSave) — a 44x spread on the same federal loan program.
The deepest observed denial zone in 2025 FHA lending was Rocket at DTI 48-50 and CLTV 90-95%, where 97.6% of applications were denied (n=84).
Lender overlays are lawful business decisions; denial rates reflect applicant mix as well as underwriting strictness. This tool makes no finding of impropriety.
The Verdict compares a denied profile against these observed patterns — it is a historical data observation, not an approval predictor and not legal advice.

Source: CFPB HMDA loan-level records (1,187,606 decisioned FHA applications in 2025), analyzed by FinanceRateCalc. Free to quote with attribution. More: answers · methodology.