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The Foreclosure Clock — How Much Time Do You Have?

Foreclosure timelines vary by state. Enter your state and when you first missed a payment — get a countdown and a clear action plan.

The part no calculator can tell you

Numbers like these tell you what you can afford. They cannot tell you whether a lender will say yes — and that varies more than almost anyone realises. In the complete 2025 federal record, approval rates across the 100 largest FHA lenders ran from 98.2% down to 21.3%. Same program, same year.

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

Which lenders approve most → Your metro's lenders → Apply to more than one? →

CFPB HMDA 2025, computed by FinanceRateCalc · rates reflect applicant mix as well as lender practice · historical observation, not a prediction · free, CC BY 4.0.

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.