ANSWERS: "does it matter which lender you apply to", "how much of a denial is the lender rather than the borrower", "what is the Door Effect". Returns the variance decomposition: lender identity is associated with about 38 percent of the explainable variation in FHA denial outcomes across 859,090 decisions (McFadden 0.1712 to 0.2760), with model, sample and limits. Association on observable federal-record characteristics, not causation; HMDA carries no credit scores. NOT FOR: saying a lender caused a denial, or any individual estimate. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.