{
 "generated": "2026-09-22",
 "pages": {
  "are-home-prices-still-rising-in-texas": {
   "status": "provisional",
   "reason": "FHFA state series (not in this repository)"
  },
  "are-mortgage-denials-increasing-or-decreasing": {
   "status": "provisional",
   "reason": "multi-year lender trajectory series (not in this repository; the 2025 unweighted top-100 mean computed here is 19.4%, the page's 27.1% is not reproducible from repository files)"
  },
  "are-there-states-where-small-fha-loans-have-disappeared": {
   "status": "provisional",
   "reason": "per-state small-loan application counts (not in api/state files)"
  },
  "do-builderowned-mortgage-lenders-deny-fha-loans-often": {
   "status": "regenerated",
   "frc": "FRC-019",
   "changes": [
    "answer + JSON-LD regenerated"
   ]
  },
  "do-fha-rules-mean-every-lender-has-the-same": {
   "status": "regenerated",
   "frc": "FRC-010",
   "changes": [
    "headline 6.5% -> 1.8%\u201378.7%",
    "answer + JSON-LD regenerated"
   ]
  },
  "does-a-mortgage-denial-mean-i-did-something-wrong": {
   "status": "regenerated",
   "frc": "FRC-009",
   "changes": [
    "headline 6.5% -> 1.8%\u201378.7%"
   ]
  },
  "does-the-lender-you-choose-matter-more-if-you": {
   "status": "provisional",
   "reason": "CLTV-band spreads (decision-surface files not in this repository)"
  },
  "fha-denials-incomplete-application-share": {
   "status": "regenerated",
   "frc": "FRC-024",
   "changes": [
    "headline 1.8% -> 2.8%",
    "answer + JSON-LD regenerated"
   ]
  },
  "how-hard-is-it-to-get-a-mortgage-approved": {
   "status": "provisional",
   "reason": "FRC Denial Climate Index (not regenerated here)"
  },
  "how-much-do-fha-denial-rates-vary-between-lenders": {
   "status": "regenerated",
   "frc": "FRC-003",
   "changes": [
    "headline 6.5% -> 44x",
    "answer + JSON-LD regenerated"
   ]
  },
  "how-often-are-ai-assistants-wrong-about-mortgage-denials": {
   "status": "provisional",
   "reason": "Decision Geometry Benchmark v1 (superseded by the Denial-AI Benchmark v1.3)"
  },
  "is-43-dti-really-the-maximum-for-mortgage-approval": {
   "status": "provisional",
   "reason": "external research plus decision surfaces"
  },
  "is-better-mortgages-fha-denial-rate-high": {
   "status": "regenerated",
   "frc": "FRC-020",
   "changes": [
    "answer + JSON-LD regenerated"
   ]
  },
  "is-the-smallloan-penalty-worse-in-expensive-states": {
   "status": "regenerated",
   "by": "scripts/build_stat_smallloan.py"
  },
  "what-is-the-frc-credit-climate-index": {
   "status": "provisional",
   "reason": "index definition (no figure)"
  },
  "what-is-the-worst-dti-and-ltv-combination-for": {
   "status": "provisional",
   "reason": "decision-surface cell (not in this repository)"
  },
  "what-was-the-easiest-year-to-get-a-mortgage": {
   "status": "provisional",
   "reason": "FRC Denial Climate Index"
  },
  "what-was-the-hardest-year-to-get-a-mortgage": {
   "status": "provisional",
   "reason": "FRC Denial Climate Index"
  },
  "which-fha-lender-has-the-highest-denial-rate-in": {
   "status": "regenerated",
   "frc": "FRC-002",
   "changes": [
    "headline 52.3% -> 78.7%",
    "answer + JSON-LD regenerated"
   ]
  },
  "which-fha-lender-has-the-lowest-denial-rate-in": {
   "status": "regenerated",
   "frc": "FRC-001",
   "changes": [
    "headline 6.5% -> 1.8%",
    "answer + JSON-LD regenerated"
   ]
  },
  "which-lender-has-the-highest-fha-denial-rate-in": {
   "status": "regenerated",
   "frc": "FRC-017",
   "changes": [
    "answer + JSON-LD regenerated"
   ]
  },
  "which-lender-processes-the-most-fha-loans-in-2025": {
   "status": "regenerated",
   "frc": "FRC-018",
   "changes": [
    "answer + JSON-LD regenerated"
   ]
  },
  "which-state-has-the-highest-fha-denial-rate": {
   "status": "regenerated",
   "frc": "FRC-021",
   "changes": [
    "answer + JSON-LD regenerated"
   ]
  },
  "who-publishes-the-frc-credit-climate-index-and-is": {
   "status": "provisional",
   "reason": "no figure"
  }
 },
 "provisional_deadline": "2026-10-22",
 "rule": "A provisional page is regenerated from a data file in the repository by the deadline or removed. Half-verifiable content is worse than unverified content: it reads as checked."
}