{
 "passport_version": "0.1",
 "issuer": "FinanceRateCalc",
 "issued_at": "2026-08-22T00:00:00Z",
 "provenance": {
  "primary_source": "CFPB/FFIEC HMDA public record, 2025",
  "dataset": "loan_type=2 (FHA); action_taken in {1,2,3} = decisioned; reverse mortgages excluded",
  "code_history": "https://github.com/financeratecalc/financeratecalc.github.io",
  "integrity_note": "v0: integrity via sha256 + public git history; cryptographic signatures planned",
  "source_record": "https://financeratecalc.com/api/metro/greenville-anderson-mauldin-sc.json",
  "source_record_sha256": "ec38c3435f2d11f7ffb4f9d03fefad1fd0bdca746a5017a94fee6a0fe4a73bab"
 },
 "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_gap",
  "value": 10.2,
  "unit": "percentage_points",
  "subject": "Greenville-Anderson-Mauldin, SC metro (MSA 24860)",
  "period": "2025",
  "definition": "max minus min observed FHA denial rate among listed lenders with >=100 decisioned applications in this metro",
  "lowest_denial_lender": {
   "name": "DHI Mortgage Company, LTD.",
   "denial_rate_pct": 19.8,
   "decisioned_here": 364
  },
  "highest_denial_lender": {
   "name": "loanDepot.com LLC",
   "denial_rate_pct": 30.0,
   "decisioned_here": 320
  },
  "eligible_lender_count": 5,
  "note": "Derived statistic; does not appear in raw HMDA. Observed rates are unadjusted for applicant mix."
 },
 "interpretation_boundary": {
  "consistent_with": [
   "lender overlays",
   "channel composition",
   "documentation practices",
   "unobserved applicant risk mix"
  ],
  "does_not_establish": [
   "cause of the gap",
   "misconduct by any lender",
   "expected outcome for any individual applicant"
  ],
  "caveat": "Historical observations about institutions. Not ratings, not recommendations, not predictions about any individual application. Rates reflect applicant composition as well as lender practice."
 },
 "related_research": {
  "variance_decomposition": "38% of explained variation in FHA denial outcomes attaches to lender identity (national, mix-adjusted).",
  "paper": "https://ssrn.com/abstract=7309319",
  "doi": "https://doi.org/10.2139/ssrn.7309319",
  "dataset": "https://huggingface.co/datasets/FinanceRateCalc/door-effect-fha-2025",
  "methodology": "https://financeratecalc.com/methodology.html"
 },
 "passport_id": "frc:claim:metro-gap-greenville-anderson-mauldin-sc-2025",
 "canonical_url": "https://financeratecalc.com/claims/metro-gap-greenville-anderson-mauldin-sc-2025.json",
 "reproduce": {
  "how_to_reproduce": "Run this against the raw public CFPB HMDA 2025 file. It should return the same lender rates, and the gap is the highest minus the lowest.",
  "sql": "SELECT lei, COUNT(*) AS decisioned,\n       ROUND(100.0*SUM(CASE WHEN action_taken=3 THEN 1 ELSE 0 END)/COUNT(*),1) AS denial_rate_pct\nFROM lar\nWHERE loan_type=2 AND action_taken IN (1,2,3) AND derived_msa_md='24860'\nGROUP BY lei HAVING COUNT(*)>=100\nORDER BY denial_rate_pct;",
  "expected": {
   "gap_percentage_points": 10.2,
   "lowest": {
    "name": "DHI Mortgage Company, LTD.",
    "denial_rate_pct": 19.8,
    "decisioned_here": 364
   },
   "highest": {
    "name": "loanDepot.com LLC",
    "denial_rate_pct": 30.0,
    "decisioned_here": 320
   }
  },
  "common_mistake": "Dropping the 100-application floor. Small lenders produce extreme rates on a handful of files and widen the gap artificially. Also exclude reverse mortgages (HECM) — leaving them in changes national and metro figures alike.",
  "if_you_get_a_different_number": "Tell us: ziyetis@gmail.com. A figure we cannot reproduce goes in the public corrections log at https://financeratecalc.com/corrections.html, dated, with credit to whoever found it."
 },
 "independent_reproduction_status": "not yet independently reproduced — this section exists so that can change"
}