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 Comparison Engine

Which FHA lender fits your file?

Not ads. Not commissions. Federal data.

8 years · the 100 largest 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
Comparison guidance based on 8-year HMDA patterns — not approval prediction

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See how borrowers like you did

Profile-adjusted historical performance across all the 100 largest lenders

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The data behind Zai's comparison

Zai compares on observed 2025 FHA outcomes where denial rates among the 100 largest FHA 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 (1,187,606 decisioned FHA applications in 2025), analyzed by FinanceRateCalc. Free to quote with attribution. More: answers · methodology.

The part almost nobody publishes free

Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% — same programme, same year.

And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7× range in expected outcomes.

Which lenders approve most → Your metro → Denied? →

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.

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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.