Data catalog
Official federal data published methodology reproducible calculation FinanceRateCalc interpretation
Embed · API · free · CC BY 4.0

Put the federal record on your own page.

If you write about housing — an agent's blog, a local newsletter, a housing nonprofit, a class — you can show your readers what actually happened in their market rather than describing it. One line of HTML, one script tag. No account, no key, no tracking, no cookies, no dependencies.

Metro

<div data-frc="metro" data-value="cleveland-oh"></div>
<script src="https://financeratecalc.com/embed/frc.js" async></script>

The widget reads the background it actually sits on, so the same tag works on a light or dark page:

Lender

<div data-frc="lender" data-value="rocket-mortgage"></div>

State

<div data-frc="state" data-value="oh"></div>

The JSON behind it

The widget reads a static API. So can you — 470 endpoints, no key, no rate limit, plain files:

https://financeratecalc.com/api/metro/cleveland-oh.json
https://financeratecalc.com/api/lender/rocket-mortgage.json
https://financeratecalc.com/api/state/oh.json
https://financeratecalc.com/api/index.json    ← every slug, all three types

Each response carries its universe definition, the method link, the dataset DOI, and a verification_status field reading "reproducible; not independently reproduced". That is accurate, and attaching it to every response makes it harder to drop in transit than a caveat sitting at the bottom of a page.

Slugs

Metro and lender slugs are lowercase with hyphens. The full list is in index.json; the largest are:

MetroSlug
Houston-The Woodlands-Sugar Land, TXhouston-the-woodlands-sugar-land-tx
Atlanta-Sandy Springs-Roswell, GAatlanta-sandy-springs-roswell-ga
Phoenix-Mesa-Scottsdale, AZphoenix-mesa-scottsdale-az
Dallas-Plano-Irving, TXdallas-plano-irving-tx
Riverside-San Bernardino-Ontario, CAriverside-san-bernardino-ontario-ca
Chicago-Naperville-Evanston, ILchicago-naperville-evanston-il
Tampa, FLtampa-fl
Orlando-Kissimmee-Sanford, FLorlando-kissimmee-sanford-fl
San Antonio-New Braunfels, TXsan-antonio-new-braunfels-tx
Charlotte-Concord-Gastonia, NC-SCcharlotte-concord-gastonia-nc-sc
Denver-Aurora-Lakewood, COdenver-aurora-lakewood-co
Indianapolis-Carmel-Anderson, INindianapolis-carmel-anderson-in
LenderSlug
United Wholesale Mortgageunited-wholesale-mortgage
ROCKET MORTGAGErocket-mortgage
FREEDOM MORTGAGE CORPORATIONfreedom-mortgage
DHI Mortgage Company, LTD.dhi-mortgage
loanDepot.com LLCloandepotcom
PENNYMAC LOAN SERVICES LLCpennymac-loan-services
CROSSCOUNTRY MORTGAGE, LLCcrosscountry-mortgage
Lennar Mortgage, LLClennar-mortgage
NEW AMERICAN FUNDING, LLC.new-american-funding
GUILD MORTGAGE COMPANYguild-mortgage
AMERISAVE MORTGAGE COMPANYamerisave-mortgage
NEWREZ LLCnewrez

What you may and may not do

Everything is CC BY 4.0: use it commercially, restyle it, put it behind your own navigation, build a product on the JSON. The attribution line is part of the widget and stays — that line is the licence, and it is also what lets your reader check the figure rather than take it from you.

What the widget will not do: predict an outcome for an individual, rate a lender, or return a figure computed on too few observations. Metros below 500 decisioned applications and institutions below 1,500 are withheld rather than shown on thin counts, and the widget says so instead of guessing.

Why this exists

Until tonight, every figure computed here lived only on this site. To use one you had to visit a page and screenshot it. That is a real cost, and it meant the data reached exactly as far as this domain does — which is not very far.

A number that can be embedded travels. It ends up on pages we did not write, in front of readers we could not reach, carrying its own source line and its own verification status. That is a better outcome than any amount of traffic to this site, and it costs us nothing.

Prefer it while you shop? The Chrome extension shows a metro's FHA record on any Zillow, Redfin or Realtor.com listing.

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 184 Metro Gaps Evidence Navigator Hallucination Files Press Newsletter
FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.