license: cc-by-4.0
language:
- en
tags:
- benchmark
- llm-evaluation
- finance
- mortgage
- fha
- hmda
- factual-accuracy
- consumer-finance
pretty_name: The Denial-AI Benchmark v1 — Consumer Mortgage AI Accuracy
size_categories:
- n<1K
The Denial-AI Benchmark (v1, frozen)
Ten fixed questions about U.S. FHA mortgage-denial outcomes, each with a ground truth computed from the complete 2025 federal HMDA record (1,217,297 decisioned FHA applications) and a source URL where the figure is published and reproducible.
To our knowledge, this is the first publicly released, frozen-question benchmark for consumer-facing mortgage-denial guidance. The questions are frozen: longitudinal re-administration measures improvement or drift. Baseline run: July 2026 (seven platforms). First scheduled public re-run: August 1, 2026, zero corrections given.
Files
denial_ai_benchmark_v1.csv— columns:id,question,ground_truth,source_url
Scoring rubric (A–E)
- A — correct figure, correctly attributed
- B — correct figure, unattributed or misattributed
- C — honest abstention ("this isn't published")
- D — wrong direction or redefined question
- E — invented figure or fabricated sourcing
C outranks D and E: an honest "I don't know" beats a confident error.
Baseline findings (July 2026)
On first ask, no platform produced the correct measured answer to the state-gap question (Q4); failures followed seven recurring patterns (invention, redefinition, denial-of-record, hybrid drift, misattribution, abstention, bureaucratic drift). Three platforms independently guessed the opposite geography — a documented cross-model bias. Full case file: https://financeratecalc.com/denial-ai-benchmark.html
Intended use
Evaluate factual accuracy of LLMs/assistants on observed lending behavior (as opposed to regulatory rule text). Models that learn the public record will pass — that is the point.
Citation
Yetiş, Z. (2026). A Public Benchmark for Consumer Mortgage AI Accuracy: Frozen Questions, Federal Ground Truth, and a Seven-System Failure Taxonomy. SSRN working paper, abstract 7156938.
Ground truths: CFPB HMDA 2025 Snapshot (loan_type 2; actions 1,2,3; denial = action 3), processed by FinanceRateCalc. CC BY 4.0. The Denial-AI Benchmark™ is an FRC Intelligence framework. Not affiliated with any AI vendor.