Metro Lender Report Card ($29, one-time). Delivered as a PDF immediately after purchase. Because it is a digital file delivered instantly, refunds are granted at our discretion — but in practice: if the card is not useful to you, email [email protected] within 30 days and we will refund it, no explanation required.
Research reports (one-time). Same terms: 30 days, email us, refunded.
Reissue guarantee. If any figure in a purchased product is later corrected in our public corrections log, purchasers receive the reissued version free.
Zai, Zai for Brokers, Zai Pro and the Verdict Case File were withdrawn on 4 September 2026. Anyone holding an active licence for them may email [email protected] for a full refund, regardless of purchase date.
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Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% — same programme, same year.
And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7× range in expected outcomes.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.