⏳ The Question Nobody Asks

How Many Days
Until You Own
a Home?

Not years. Not vague timelines. Exact days — based on what you save every single day.

$ / day
$
$
Days until you own a home
0
💡 Real Life Savings Hacks — How Much Faster?
Calculate My Payment → Check My Approval Odds →
📋 Data Sources: Down payment thresholds: FHA (3.5%), conventional (5-20%). Savings rate benchmarks: Federal Reserve Survey of Consumer Finances. · Learn more about our methodology →
👥 Who This Tool Is For
✅ Renters who want a concrete savings timeline
✅ Anyone who feels like homeownership is "too far away"
✅ First-time buyers building their down payment
✅ People who want to know the exact impact of saving $10 more per day
Free · 60 Seconds · No Sign-Up
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🔍 Also explore: All FRC Tools · Lender Comparison · FHA by State · Lender Stress Index

The part almost nobody publishes free

Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% — same programme, same year.

And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7× range in expected outcomes.

Which lenders approve most → Your metro → Denied? →

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.

The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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AI Accuracy Index The Door Effect The Denial Map Open Data About Press Newsletter
FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.