Research and analysis by Ziya Yetiş — 23 years in banking (credit side), now analyzing federal HMDA records independently. No ads, no lender compensation. Methodology · [email protected]

⚡ Zai FHA Routing Engine

Which FHA lender fits your file?

Not ads. Not commissions. Federal data.

8 years · 11 lenders · 3,075,654 FHA applications

FICO Score

DTI %

Income Type

State

Home price ($) optional

Down payment ($) optional

Loan Type

Previously denied? (optional)

No SSN · No credit pull · Takes 60 seconds
Routing guidance based on 8-year HMDA patterns — not approval prediction

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Profile-adjusted historical performance across all 11 lenders

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The data behind Zai's routing

Zai routes on observed 2025 FHA outcomes where denial rates among 11 major lenders ranged from 6.5% to 52.3%.
DTI cliff behavior differs sharply by lender: at the 44-45 DTI threshold one major lender's denial rate jumps roughly +15 percentage points while another's moves about +1.4.
HMDA contains no credit scores, no application dates and no employment-verification fields — Zai never predicts individual approval, it reports historical lender patterns.

Source: CFPB HMDA loan-level records (310,592 FHA applications, 2018-2025), analyzed by FinanceRateCalc. Free to quote with attribution. More: answers · methodology.