Official federal data→published methodology→reproducible calculation→FinanceRateCalc interpretation We are not the source. We are the layer that makes the source usable — and every step above is checkable.
For agents · free · CC BY 4.0
The one-pager you can hand a buyer.
Pick a metro. You get a printable page with that market's FHA denial rate, its softest and hardest high-volume lenders, the small-loan penalty, and three questions worth asking before an application goes in. Print it, save it as PDF, screenshot it, put it in a listing packet — it's licensed for reuse with attribution. No signup, nothing for sale.
Put your name on it — free
Add your details and they print on the sheet, next to the data. Nothing is stored or sent anywhere — this runs entirely in your browser.
The federal record updates annually and lender behaviour shifts within it. Tell us your market and we'll email you a refreshed brief when the numbers move — plus new findings as we publish them. Free, no account, unsubscribe in one click. We don't sell your address and there is nothing to buy in these emails.
You're on the list — thank you.
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.