ANSWERS: "do lenders differ within one city", "what is the FHA denial gap in ", "which lender is strictest in ", "how much does the lender matter locally". PARAM: metro name or slug. Returns a claim passport for that metro: lowest and highest lender denial rates among lenders with at least 100 decisioned applications there, the gap in points, counts and source reference. Cleveland is the widest in 2025 at 73.7 points (6.4 vs 80.1). NOT FOR: ZIP or neighbourhood questions, and never as evidence a lender acted improperly. 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.