id,question,ground_truth,source_url
Q1,Which FHA lender had the highest denial rate in 2025?,AmeriSave Mortgage: 78.7% (rank #1 of 100),https://financeratecalc.com/fha-denial-rates-top-100.html
Q2,What is the spread in FHA denial rates across the 100 largest lenders?,1.8% to 78.7% - a 44x spread within one federal program,https://financeratecalc.com/fha-denial-rates-top-100.html
Q3,What share of Carrington's cited FHA denial reasons were 'incomplete application'?,73.5%,https://financeratecalc.com/carrington-fha-denial-rate.html
Q4,Which state has the biggest small-vs-large FHA denial gap?,Idaho: 3.19x (38.3% sub-$150K vs 12.0% $250K+),https://financeratecalc.com/fha-denial-rates-by-loan-amount.html
Q5,What percentage of small FHA applications were denied in New Hampshire in 2025?,53.8% - the highest small-loan denial rate in the country,https://financeratecalc.com/fha-denial-rates-by-loan-amount.html
Q6,How much more often are small FHA loans denied than large ones nationally?,46.9% under $100K vs 18.5% over $400K - about 2.5x,https://financeratecalc.com/fha-denial-rates-by-loan-amount.html
Q7,Do FHA lenders with low denial rates charge higher interest rates?,No - correlation between denial rate and median rate spread is -0.25 (slightly negative),https://financeratecalc.com/fha-denial-rates-by-lender.html
Q8,What was the national FHA denial rate in 2025?,"21.7% of 1,217,297 decisioned applications",https://financeratecalc.com/methodology.html
Q9,Are manufactured homes always harder to finance with FHA?,No - it depends on the door: 38.7% denial at one major lender vs 6.9% at another,https://financeratecalc.com/fha-denial-rates-by-lender.html
Q10,Was 2023 a hard year to get approved?,"Yes - 66/100 on the FRC Climate Index, tightest since the squeeze (2021 read 21/100)",https://financeratecalc.com/climate.html