{
 "passport_version": "0.1",
 "issuer": "FinanceRateCalc",
 "issued_at": "2026-08-12T00:00:00Z",
 "provenance": {
  "primary_source": "CFPB/FFIEC HMDA public record, 2025",
  "dataset": "loan_type=2 (FHA); action_taken in {1,2,3} = decisioned",
  "code_history": "https://github.com/financeratecalc/financeratecalc.github.io",
  "integrity_note": "v0: integrity via sha256 + public git history; cryptographic signatures planned"
 },
 "use_boundary": {
  "allowed": [
   "historical aggregate comparison",
   "journalism",
   "market analysis",
   "research"
  ],
  "prohibited": [
   "individual approval prediction",
   "borrower profiling",
   "personalized lender recommendation"
  ],
  "minimum_cell_size": 100
 },
 "attribution": {
  "required_text": "Source: FinanceRateCalc analysis of the public CFPB HMDA 2025 record; historical aggregate only.",
  "license": "CC BY 4.0"
 },
 "claim": {
  "metric": "intra_metro_lender_denial_spread",
  "value": 73.7,
  "unit": "percentage_points",
  "subject": "Cleveland, OH metro — widest spread among major lenders",
  "period": "2025",
  "definition": "max minus min FHA denial rate among high-volume lenders within the metro",
  "note": "Derived statistic; does not appear in raw HMDA."
 },
 "passport_id": "frc:claim:cleveland-metro-lender-spread-2025",
 "canonical_url": "https://financeratecalc.com/claims/cleveland-metro-lender-spread-2025.json",
 "sha256": "0ba874c5003f67e8c24ac0958071faf550b4a1271e0be574e81c8ff55ffdb830",
 "reproduce": {
  "how_to_reproduce": "Recipes for the headline figures, with expected results and the usual pitfalls, are published at https://financeratecalc.com/verify.html and machine-readably at https://financeratecalc.com/data/verify.json.",
  "universe": "loan_type=2 (FHA forward), action_taken in (1,2,3), reverse mortgages (HECM) excluded",
  "if_you_get_a_different_number": "Tell us: ziyetis@gmail.com. A figure we cannot reproduce goes in the public corrections log, dated, with credit to whoever found it."
 },
 "independent_reproduction_status": "not yet independently reproduced — this section exists so that can change"
}