{
 "source": "FRC Intelligence \u2014 financeratecalc.com",
 "license": "Cite with attribution",
 "updated": "2026-07-01",
 "statistics": [
  {
   "stat": "FHA denial rates predict FHA delinquency rates two years ahead (r=+0.618).",
   "url": "https://financeratecalc.com/mortgage-correlation-research.html"
  },
  {
   "stat": "Unemployment correlates inversely with mortgage denial rates (r=-0.696) \u2014 the Recession Paradox.",
   "url": "https://financeratecalc.com/mortgage-correlation-research.html"
  },
  {
   "stat": "Fed SLOOS survey responses show near-zero correlation with actual HMDA denial behavior (r=-0.150).",
   "url": "https://financeratecalc.com/mortgage-correlation-research.html"
  },
  {
   "stat": "Rocket Mortgage's FHA denial rate jumps +54.9pp above 85% LTV; Mr. Cooper's jumps +1.7pp (2025 HMDA).",
   "url": "https://financeratecalc.com/lender-response-surface.html"
  },
  {
   "stat": "Identical high-risk FHA profiles face 26.7% denial at Mr. Cooper vs 91.2% at Rocket \u2014 a 64.5pp spread.",
   "url": "https://financeratecalc.com/mortgage-correlation-research.html"
  },
  {
   "stat": "Shock Beta: pre-shock volatility predicted lender tightening response at r=+0.946; placebo easing episode confirmed at r=-0.605.",
   "url": "https://financeratecalc.com/shock-beta.html"
  },
  {
   "stat": "UWM's FHA denial rate rose from 16.2% (2022) to 21.8% (2025) \u2014 a 35% increase.",
   "url": "https://financeratecalc.com/lender-stress-index.html"
  }
 ]
}