{
 "passport_version": "0.1",
 "issuer": "FinanceRateCalc",
 "canonical_base": "https://financeratecalc.com/claims/",
 "claims": [
  {
   "id": "frc:claim:national-fha-denial-rate-2025",
   "metric": "fha_denial_rate",
   "url": "https://financeratecalc.com/claims/national-fha-denial-rate-2025.json",
   "contract_url": "https://financeratecalc.com/claims/national-fha-denial-rate-2025.contract.json"
  },
  {
   "id": "frc:claim:amerisave-fha-denial-rate-2025",
   "metric": "fha_denial_rate",
   "url": "https://financeratecalc.com/claims/amerisave-fha-denial-rate-2025.json",
   "contract_url": "https://financeratecalc.com/claims/amerisave-fha-denial-rate-2025.contract.json"
  },
  {
   "id": "frc:claim:door-effect-38pct-2026",
   "metric": "door_effect_share_of_explained_variation",
   "url": "https://financeratecalc.com/claims/door-effect-38pct-2026.json",
   "contract_url": "https://financeratecalc.com/claims/door-effect-38pct-2026.contract.json"
  },
  {
   "id": "frc:claim:cleveland-metro-lender-spread-2025",
   "metric": "intra_metro_lender_denial_spread",
   "url": "https://financeratecalc.com/claims/cleveland-metro-lender-spread-2025.json",
   "contract_url": "https://financeratecalc.com/claims/cleveland-metro-lender-spread-2025.contract.json"
  },
  {
   "id": "frc:claim:major-lender-span-2025",
   "metric": "fha_denial_rate_span_major_lenders",
   "url": "https://financeratecalc.com/claims/major-lender-span-2025.json",
   "contract_url": "https://financeratecalc.com/claims/major-lender-span-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-akron-oh-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-akron-oh-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-akron-oh-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-albany-schenectady-troy-ny-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-albany-schenectady-troy-ny-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-albany-schenectady-troy-ny-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-albuquerque-nm-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-albuquerque-nm-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-albuquerque-nm-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-allentown-bethlehem-easton-pa-nj-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-allentown-bethlehem-easton-pa-nj-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-allentown-bethlehem-easton-pa-nj-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-anaheim-santa-ana-irvine-ca-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-anaheim-santa-ana-irvine-ca-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-anaheim-santa-ana-irvine-ca-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-arlington-alexandria-reston-va-wv-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-arlington-alexandria-reston-va-wv-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-arlington-alexandria-reston-va-wv-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-atlanta-sandy-springs-roswell-ga-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-atlanta-sandy-springs-roswell-ga-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-atlanta-sandy-springs-roswell-ga-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-augusta-richmond-county-ga-sc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-augusta-richmond-county-ga-sc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-augusta-richmond-county-ga-sc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-austin-round-rock-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-austin-round-rock-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-austin-round-rock-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-bakersfield-ca-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-bakersfield-ca-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-bakersfield-ca-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-baltimore-columbia-towson-md-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-baltimore-columbia-towson-md-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-baltimore-columbia-towson-md-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-baton-rouge-la-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-baton-rouge-la-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-baton-rouge-la-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-beaumont-port-arthur-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-beaumont-port-arthur-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-beaumont-port-arthur-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-birmingham-hoover-al-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-birmingham-hoover-al-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-birmingham-hoover-al-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-boise-city-id-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-boise-city-id-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-boise-city-id-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-boston-ma-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-boston-ma-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-boston-ma-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-bridgeport-stamford-norwalk-ct-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-bridgeport-stamford-norwalk-ct-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-bridgeport-stamford-norwalk-ct-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-buffalo-cheektowaga-niagara-falls-ny-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-buffalo-cheektowaga-niagara-falls-ny-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-buffalo-cheektowaga-niagara-falls-ny-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-cambridge-newton-framingham-ma-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-cambridge-newton-framingham-ma-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-cambridge-newton-framingham-ma-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-camden-nj-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-camden-nj-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-camden-nj-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-canton-massillon-oh-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-canton-massillon-oh-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-canton-massillon-oh-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-cape-coral-fort-myers-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-cape-coral-fort-myers-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-cape-coral-fort-myers-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-charleston-north-charleston-sc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-charleston-north-charleston-sc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-charleston-north-charleston-sc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-charlotte-concord-gastonia-nc-sc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-charlotte-concord-gastonia-nc-sc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-charlotte-concord-gastonia-nc-sc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-chattanooga-tn-ga-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-chattanooga-tn-ga-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-chattanooga-tn-ga-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-chicago-naperville-evanston-il-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-chicago-naperville-evanston-il-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-chicago-naperville-evanston-il-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-cincinnati-oh-ky-in-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-cincinnati-oh-ky-in-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-cincinnati-oh-ky-in-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-clarksville-tn-ky-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-clarksville-tn-ky-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-clarksville-tn-ky-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-cleveland-oh-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-cleveland-oh-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-cleveland-oh-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-colorado-springs-co-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-colorado-springs-co-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-colorado-springs-co-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-columbia-sc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-columbia-sc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-columbia-sc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-columbus-ga-al-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-columbus-ga-al-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-columbus-ga-al-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-columbus-oh-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-columbus-oh-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-columbus-oh-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-corpus-christi-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-corpus-christi-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-corpus-christi-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-crestview-fort-walton-beach-destin-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-crestview-fort-walton-beach-destin-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-crestview-fort-walton-beach-destin-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-dallas-plano-irving-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-dallas-plano-irving-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-dallas-plano-irving-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-daphne-fairhope-foley-al-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-daphne-fairhope-foley-al-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-daphne-fairhope-foley-al-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-davenport-moline-rock-island-ia-il-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-davenport-moline-rock-island-ia-il-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-davenport-moline-rock-island-ia-il-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-dayton-kettering-oh-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-dayton-kettering-oh-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-dayton-kettering-oh-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-deltona-daytona-beach-ormond-beach-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-deltona-daytona-beach-ormond-beach-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-deltona-daytona-beach-ormond-beach-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-denver-aurora-lakewood-co-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-denver-aurora-lakewood-co-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-denver-aurora-lakewood-co-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-des-moines-west-des-moines-ia-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-des-moines-west-des-moines-ia-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-des-moines-west-des-moines-ia-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-detroit-dearborn-livonia-mi-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-detroit-dearborn-livonia-mi-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-detroit-dearborn-livonia-mi-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-durham-chapel-hill-nc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-durham-chapel-hill-nc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-durham-chapel-hill-nc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-el-paso-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-el-paso-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-el-paso-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-elgin-il-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-elgin-il-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-elgin-il-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-everett-wa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-everett-wa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-everett-wa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-fayetteville-nc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-fayetteville-nc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-fayetteville-nc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-fayetteville-springdale-rogers-ar-mo-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-fayetteville-springdale-rogers-ar-mo-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-fayetteville-springdale-rogers-ar-mo-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-flint-mi-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-flint-mi-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-flint-mi-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-fort-lauderdale-pompano-beach-deerfield-beach-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-fort-lauderdale-pompano-beach-deerfield-beach-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-fort-lauderdale-pompano-beach-deerfield-beach-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-fort-wayne-in-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-fort-wayne-in-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-fort-wayne-in-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-fort-worth-arlington-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-fort-worth-arlington-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-fort-worth-arlington-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-frederick-gaithersburg-rockville-md-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-frederick-gaithersburg-rockville-md-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-frederick-gaithersburg-rockville-md-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-fresno-ca-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-fresno-ca-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-fresno-ca-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-gainesville-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-gainesville-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-gainesville-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-gainesville-ga-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-gainesville-ga-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-gainesville-ga-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-grand-rapids-wyoming-mi-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-grand-rapids-wyoming-mi-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-grand-rapids-wyoming-mi-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-greeley-co-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-greeley-co-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-greeley-co-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-greensboro-high-point-nc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-greensboro-high-point-nc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-greensboro-high-point-nc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-greenville-anderson-mauldin-sc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-greenville-anderson-mauldin-sc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-greenville-anderson-mauldin-sc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-gulfport-biloxi-pascagoula-ms-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-gulfport-biloxi-pascagoula-ms-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-gulfport-biloxi-pascagoula-ms-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-hagerstown-martinsburg-md-wv-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-hagerstown-martinsburg-md-wv-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-hagerstown-martinsburg-md-wv-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-harrisburg-carlisle-pa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-harrisburg-carlisle-pa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-harrisburg-carlisle-pa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-hartford-west-hartford-east-hartford-ct-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-hartford-west-hartford-east-hartford-ct-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-hartford-west-hartford-east-hartford-ct-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-hickory-lenoir-morganton-nc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-hickory-lenoir-morganton-nc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-hickory-lenoir-morganton-nc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-homosassa-springs-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-homosassa-springs-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-homosassa-springs-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-houston-the-woodlands-sugar-land-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-houston-the-woodlands-sugar-land-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-houston-the-woodlands-sugar-land-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-huntington-ashland-wv-ky-oh-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-huntington-ashland-wv-ky-oh-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-huntington-ashland-wv-ky-oh-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-huntsville-al-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-huntsville-al-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-huntsville-al-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-indianapolis-carmel-anderson-in-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-indianapolis-carmel-anderson-in-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-indianapolis-carmel-anderson-in-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-jackson-ms-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-jackson-ms-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-jackson-ms-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-jacksonville-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-jacksonville-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-jacksonville-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-kansas-city-mo-ks-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-kansas-city-mo-ks-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-kansas-city-mo-ks-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-kennewick-richland-wa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-kennewick-richland-wa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-kennewick-richland-wa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-killeen-temple-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-killeen-temple-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-killeen-temple-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-kingsport-bristol-bristol-tn-va-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-kingsport-bristol-bristol-tn-va-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-kingsport-bristol-bristol-tn-va-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-knoxville-tn-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-knoxville-tn-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-knoxville-tn-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-lafayette-la-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-lafayette-la-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-lafayette-la-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-lake-county-kenosha-county-il-wi-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-lake-county-kenosha-county-il-wi-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-lake-county-kenosha-county-il-wi-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-lake-county-porter-county-jasper-county-in-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-lake-county-porter-county-jasper-county-in-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-lake-county-porter-county-jasper-county-in-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-lake-havasu-city-kingman-az-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-lake-havasu-city-kingman-az-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-lake-havasu-city-kingman-az-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-lakeland-winter-haven-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-lakeland-winter-haven-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-lakeland-winter-haven-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-lakewood-new-brunswick-nj-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-lakewood-new-brunswick-nj-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-lakewood-new-brunswick-nj-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-lansing-east-lansing-mi-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-lansing-east-lansing-mi-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-lansing-east-lansing-mi-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-laredo-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-laredo-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-laredo-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-las-cruces-nm-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-las-cruces-nm-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-las-cruces-nm-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-las-vegas-henderson-paradise-nv-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-las-vegas-henderson-paradise-nv-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-las-vegas-henderson-paradise-nv-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-lexington-fayette-ky-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-lexington-fayette-ky-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-lexington-fayette-ky-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-little-rock-north-little-rock-conway-ar-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-little-rock-north-little-rock-conway-ar-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-little-rock-north-little-rock-conway-ar-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-longview-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-longview-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-longview-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-los-angeles-long-beach-glendale-ca-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-los-angeles-long-beach-glendale-ca-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-los-angeles-long-beach-glendale-ca-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-louisville-jefferson-county-ky-in-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-louisville-jefferson-county-ky-in-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-louisville-jefferson-county-ky-in-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-lubbock-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-lubbock-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-lubbock-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-lynchburg-va-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-lynchburg-va-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-lynchburg-va-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-marietta-ga-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-marietta-ga-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-marietta-ga-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-mcallen-edinburg-mission-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-mcallen-edinburg-mission-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-mcallen-edinburg-mission-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-memphis-tn-ms-ar-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-memphis-tn-ms-ar-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-memphis-tn-ms-ar-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-miami-miami-beach-kendall-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-miami-miami-beach-kendall-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-miami-miami-beach-kendall-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-midland-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-midland-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-midland-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-milwaukee-waukesha-west-allis-wi-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-milwaukee-waukesha-west-allis-wi-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-milwaukee-waukesha-west-allis-wi-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-minneapolis-st-paul-bloomington-mn-wi-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-minneapolis-st-paul-bloomington-mn-wi-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-minneapolis-st-paul-bloomington-mn-wi-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-mobile-al-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-mobile-al-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-mobile-al-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-modesto-ca-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-modesto-ca-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-modesto-ca-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-monroe-mi-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-monroe-mi-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-monroe-mi-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-montgomery-al-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-montgomery-al-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-montgomery-al-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-montgomery-county-bucks-county-chester-county-pa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-montgomery-county-bucks-county-chester-county-pa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-montgomery-county-bucks-county-chester-county-pa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-myrtle-beach-conway-north-myrtle-beach-sc-nc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-myrtle-beach-conway-north-myrtle-beach-sc-nc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-myrtle-beach-conway-north-myrtle-beach-sc-nc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-naples-immokalee-marco-island-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-naples-immokalee-marco-island-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-naples-immokalee-marco-island-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-nashville-davidson-murfreesboro-franklin-tn-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-nashville-davidson-murfreesboro-franklin-tn-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-nashville-davidson-murfreesboro-franklin-tn-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-nassau-county-suffolk-county-ny-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-nassau-county-suffolk-county-ny-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-nassau-county-suffolk-county-ny-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-new-haven-milford-ct-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-new-haven-milford-ct-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-new-haven-milford-ct-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-new-orleans-metairie-la-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-new-orleans-metairie-la-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-new-orleans-metairie-la-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-new-york-jersey-city-white-plains-ny-nj-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-new-york-jersey-city-white-plains-ny-nj-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-new-york-jersey-city-white-plains-ny-nj-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-newark-nj-pa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-newark-nj-pa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-newark-nj-pa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-north-port-sarasota-bradenton-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-north-port-sarasota-bradenton-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-north-port-sarasota-bradenton-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-oakland-hayward-berkeley-ca-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-oakland-hayward-berkeley-ca-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-oakland-hayward-berkeley-ca-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-ocala-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-ocala-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-ocala-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-odessa-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-odessa-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-odessa-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-ogden-clearfield-ut-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-ogden-clearfield-ut-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-ogden-clearfield-ut-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-oklahoma-city-ok-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-oklahoma-city-ok-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-oklahoma-city-ok-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-omaha-council-bluffs-ne-ia-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-omaha-council-bluffs-ne-ia-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-omaha-council-bluffs-ne-ia-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-orlando-kissimmee-sanford-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-orlando-kissimmee-sanford-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-orlando-kissimmee-sanford-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-palm-bay-melbourne-titusville-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-palm-bay-melbourne-titusville-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-palm-bay-melbourne-titusville-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-panama-city-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-panama-city-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-panama-city-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-pensacola-ferry-pass-brent-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-pensacola-ferry-pass-brent-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-pensacola-ferry-pass-brent-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-peoria-il-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-peoria-il-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-peoria-il-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-philadelphia-pa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-philadelphia-pa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-philadelphia-pa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-phoenix-mesa-scottsdale-az-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-phoenix-mesa-scottsdale-az-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-phoenix-mesa-scottsdale-az-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-pittsburgh-pa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-pittsburgh-pa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-pittsburgh-pa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-port-st-lucie-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-port-st-lucie-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-port-st-lucie-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-portland-south-portland-me-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-portland-south-portland-me-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-portland-south-portland-me-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-portland-vancouver-hillsboro-or-wa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-portland-vancouver-hillsboro-or-wa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-portland-vancouver-hillsboro-or-wa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-providence-warwick-ri-ma-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-providence-warwick-ri-ma-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-providence-warwick-ri-ma-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-provo-orem-ut-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-provo-orem-ut-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-provo-orem-ut-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-punta-gorda-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-punta-gorda-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-punta-gorda-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-raleigh-nc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-raleigh-nc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-raleigh-nc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-reading-pa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-reading-pa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-reading-pa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-reno-nv-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-reno-nv-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-reno-nv-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-richmond-va-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-richmond-va-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-richmond-va-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-riverside-san-bernardino-ontario-ca-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-riverside-san-bernardino-ontario-ca-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-riverside-san-bernardino-ontario-ca-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-roanoke-va-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-roanoke-va-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-roanoke-va-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-rockingham-county-strafford-county-nh-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-rockingham-county-strafford-county-nh-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-rockingham-county-strafford-county-nh-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-sacramento-roseville-arden-arcade-ca-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-sacramento-roseville-arden-arcade-ca-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-sacramento-roseville-arden-arcade-ca-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-salem-or-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-salem-or-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-salem-or-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-salt-lake-city-ut-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-salt-lake-city-ut-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-salt-lake-city-ut-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-san-antonio-new-braunfels-tx-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-san-antonio-new-braunfels-tx-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-san-antonio-new-braunfels-tx-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-san-diego-carlsbad-ca-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-san-diego-carlsbad-ca-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-san-diego-carlsbad-ca-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-savannah-ga-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-savannah-ga-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-savannah-ga-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-scranton-wilkes-barre-hazleton-pa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-scranton-wilkes-barre-hazleton-pa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-scranton-wilkes-barre-hazleton-pa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-seattle-bellevue-everett-wa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-seattle-bellevue-everett-wa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-seattle-bellevue-everett-wa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-shreveport-bossier-city-la-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-shreveport-bossier-city-la-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-shreveport-bossier-city-la-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-south-bend-mishawaka-in-mi-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-south-bend-mishawaka-in-mi-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-south-bend-mishawaka-in-mi-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-spartanburg-sc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-spartanburg-sc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-spartanburg-sc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-spokane-spokane-valley-wa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-spokane-spokane-valley-wa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-spokane-spokane-valley-wa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-springfield-ma-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-springfield-ma-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-springfield-ma-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-springfield-mo-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-springfield-mo-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-springfield-mo-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-st-louis-mo-il-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-st-louis-mo-il-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-st-louis-mo-il-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-st-petersburg-clearwater-largo-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-st-petersburg-clearwater-largo-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-st-petersburg-clearwater-largo-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-stockton-lodi-ca-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-stockton-lodi-ca-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-stockton-lodi-ca-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-tacoma-lakewood-wa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-tacoma-lakewood-wa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-tacoma-lakewood-wa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-tallahassee-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-tallahassee-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-tallahassee-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-tampa-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-tampa-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-tampa-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-terre-haute-in-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-terre-haute-in-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-terre-haute-in-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-toledo-oh-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-toledo-oh-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-toledo-oh-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-tucson-az-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-tucson-az-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-tucson-az-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-tulsa-ok-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-tulsa-ok-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-tulsa-ok-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-tuscaloosa-al-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-tuscaloosa-al-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-tuscaloosa-al-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-vallejo-fairfield-ca-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-vallejo-fairfield-ca-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-vallejo-fairfield-ca-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-virginia-beach-norfolk-newport-news-va-nc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-virginia-beach-norfolk-newport-news-va-nc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-virginia-beach-norfolk-newport-news-va-nc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-visalia-porterville-ca-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-visalia-porterville-ca-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-visalia-porterville-ca-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-warner-robins-ga-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-warner-robins-ga-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-warner-robins-ga-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-warren-troy-farmington-hills-mi-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-warren-troy-farmington-hills-mi-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-warren-troy-farmington-hills-mi-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-washington-dc-md-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-washington-dc-md-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-washington-dc-md-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-waterbury-shelton-ct-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-waterbury-shelton-ct-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-waterbury-shelton-ct-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-west-palm-beach-boca-raton-delray-beach-fl-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-west-palm-beach-boca-raton-delray-beach-fl-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-west-palm-beach-boca-raton-delray-beach-fl-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-wichita-ks-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-wichita-ks-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-wichita-ks-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-wilmington-de-md-nj-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-wilmington-de-md-nj-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-wilmington-de-md-nj-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-wilmington-nc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-wilmington-nc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-wilmington-nc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-winston-salem-nc-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-winston-salem-nc-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-winston-salem-nc-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-worcester-ma-ct-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-worcester-ma-ct-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-worcester-ma-ct-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-york-hanover-pa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-york-hanover-pa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-york-hanover-pa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-youngstown-warren-boardman-oh-pa-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-youngstown-warren-boardman-oh-pa-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-youngstown-warren-boardman-oh-pa-2025.contract.json"
  },
  {
   "id": "frc:claim:metro-gap-yuma-az-2025",
   "metric": "intra_metro_lender_denial_gap",
   "url": "https://financeratecalc.com/claims/metro-gap-yuma-az-2025.json",
   "contract_url": "https://financeratecalc.com/claims/metro-gap-yuma-az-2025.contract.json"
  }
 ],
 "note": "Each passport has a companion contract: required qualifiers, what the claim does NOT establish, forbidden transformations, and open test vectors. Certify before you write."
}