{
  "source": "CFPB HMDA Data Browser 2018-2024",
  "institution": "Wells Fargo Bank, National Association",
  "states": [
    "Texas",
    "California",
    "Florida",
    "Ohio",
    "Georgia"
  ],
  "extracted": "2026-05-30",
  "fha_denial_rates": {
    "Texas": {
      "2018": {
        "fha_dr": 46.6,
        "conv_dr": 35.9,
        "va_dr": 18.2,
        "fha_volume": 173
      },
      "2019": {
        "fha_dr": 51.0,
        "conv_dr": 39.2,
        "va_dr": 23.5,
        "fha_volume": 154
      },
      "2020": {
        "fha_dr": 57.7,
        "conv_dr": 40.2,
        "va_dr": 30.3,
        "fha_volume": 124
      },
      "2021": {
        "fha_dr": 65.2,
        "conv_dr": 33.8,
        "va_dr": 18.4,
        "fha_volume": 78
      },
      "2022": {
        "fha_dr": 59.7,
        "conv_dr": 46.8,
        "va_dr": 24.6,
        "fha_volume": 133
      },
      "2023": {
        "fha_dr": 53.8,
        "conv_dr": 47.3,
        "va_dr": 18.0,
        "fha_volume": 122
      },
      "2024": {
        "fha_dr": 56.7,
        "conv_dr": 46.5,
        "va_dr": 36.6,
        "fha_volume": 52
      }
    },
    "California": {
      "2018": {
        "fha_dr": 51.4,
        "conv_dr": 24.8,
        "va_dr": 22.8,
        "fha_volume": 137
      },
      "2019": {
        "fha_dr": 54.8,
        "conv_dr": 23.4,
        "va_dr": 17.9,
        "fha_volume": 154
      },
      "2020": {
        "fha_dr": 52.4,
        "conv_dr": 25.1,
        "va_dr": 18.4,
        "fha_volume": 100
      },
      "2021": {
        "fha_dr": 55.1,
        "conv_dr": 19.3,
        "va_dr": 14.5,
        "fha_volume": 57
      },
      "2022": {
        "fha_dr": 68.1,
        "conv_dr": 24.6,
        "va_dr": 14.5,
        "fha_volume": 52
      },
      "2023": {
        "fha_dr": 64.3,
        "conv_dr": 25.8,
        "va_dr": 19.1,
        "fha_volume": 60
      },
      "2024": {
        "fha_dr": 58.5,
        "conv_dr": 22.7,
        "va_dr": 22.6,
        "fha_volume": 51
      }
    },
    "Florida": {
      "2018": {
        "fha_dr": 49.5,
        "conv_dr": 36.5,
        "va_dr": 25.0,
        "fha_volume": 146
      },
      "2019": {
        "fha_dr": 42.8,
        "conv_dr": 39.6,
        "va_dr": 20.2,
        "fha_volume": 163
      },
      "2020": {
        "fha_dr": 53.5,
        "conv_dr": 39.2,
        "va_dr": 25.1,
        "fha_volume": 99
      },
      "2021": {
        "fha_dr": 54.0,
        "conv_dr": 32.7,
        "va_dr": 20.5,
        "fha_volume": 86
      },
      "2022": {
        "fha_dr": 71.0,
        "conv_dr": 40.2,
        "va_dr": 23.8,
        "fha_volume": 93
      },
      "2023": {
        "fha_dr": 65.3,
        "conv_dr": 41.0,
        "va_dr": 17.5,
        "fha_volume": 87
      },
      "2024": {
        "fha_dr": 65.3,
        "conv_dr": 41.1,
        "va_dr": 18.5,
        "fha_volume": 59
      }
    },
    "Ohio": {
      "2018": {
        "fha_dr": 34.6,
        "conv_dr": 30.1,
        "va_dr": 28.1,
        "fha_volume": 68
      },
      "2019": {
        "fha_dr": 46.2,
        "conv_dr": 34.0,
        "va_dr": 22.2,
        "fha_volume": 64
      },
      "2020": {
        "fha_dr": 45.2,
        "conv_dr": 33.8,
        "va_dr": 25.4,
        "fha_volume": 46
      },
      "2021": {
        "fha_dr": 70.5,
        "conv_dr": 32.2,
        "va_dr": 21.7,
        "fha_volume": 18
      },
      "2022": {
        "fha_dr": 65.6,
        "conv_dr": 42.9,
        "va_dr": 27.8,
        "fha_volume": 43
      },
      "2023": {
        "fha_dr": 47.0,
        "conv_dr": 37.4,
        "va_dr": 15.4,
        "fha_volume": 35
      },
      "2024": {
        "fha_dr": 56.4,
        "conv_dr": 32.5,
        "va_dr": 44.4,
        "fha_volume": 24
      }
    },
    "Georgia": {
      "2018": {
        "fha_dr": 45.6,
        "conv_dr": 32.1,
        "va_dr": 29.4,
        "fha_volume": 123
      },
      "2019": {
        "fha_dr": 45.4,
        "conv_dr": 36.1,
        "va_dr": 19.0,
        "fha_volume": 107
      },
      "2020": {
        "fha_dr": 54.7,
        "conv_dr": 36.7,
        "va_dr": 27.9,
        "fha_volume": 67
      },
      "2021": {
        "fha_dr": 58.7,
        "conv_dr": 32.4,
        "va_dr": 18.1,
        "fha_volume": 59
      },
      "2022": {
        "fha_dr": 64.5,
        "conv_dr": 42.2,
        "va_dr": 21.6,
        "fha_volume": 98
      },
      "2023": {
        "fha_dr": 55.5,
        "conv_dr": 38.4,
        "va_dr": 22.6,
        "fha_volume": 106
      },
      "2024": {
        "fha_dr": 58.6,
        "conv_dr": 38.7,
        "va_dr": 18.2,
        "fha_volume": 65
      }
    }
  },
  "key_findings": {
    "florida_worst_2024": "65.3% FHA denial rate \u2014 highest in dataset",
    "california_structural_floor": "Never below 51% FHA denial rate (2018-2024)",
    "georgia_structural_floor": "Never below 45% FHA denial rate",
    "texas_most_volatile": "Largest swing \u2014 46.6% (2018) to 65.2% (2021) and back",
    "ohio_small_sample": "FHA volume too small for reliable state OFI",
    "universal_pattern": "Wells Fargo FHA denial rate never below 34% in any state with meaningful volume",
    "ofi_regional_confirmed": "State-level data confirms overlay is national policy, not regional variation"
  }
}