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The credit consultation referral has been retired.

This page recommended a paid credit-repair service and earned a commission on sign-ups. That arrangement was ended in September 2026: FinanceRateCalc takes no money from lenders, credit-repair firms or anyone else with a stake in what the numbers say. The page is kept so old links do not break.

What we do instead: we publish what the federal record shows about lenders, free and reproducible — 100 largest FHA lenders · 184 metro gaps · how every figure is computed.

If your credit report has errors, you can dispute them yourself for free with each bureau; the CFPB explains how at consumerfinance.gov. The data behind everything here remains free, forever.