FR Decision Index — Primary Score
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FRDI = MMI(35%) + MTI(30%) + MSI(20%) + OFI(15%) · 0–100 · Confidence-adjusted
This Week's Broker Signal
BALANCED
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Market Composite Metrics
Income Type Approval Odds (ITAO)
Lender Aggressiveness Score (LAS) — Higher = More Approvals
| Lender | LAS Score | Signal | 2025 FHA Denial Rate |
|---|
Lender Opportunity Index (LOI) — Higher = Market Share Opportunity
| Lender | LOI Score | Signal |
|---|
Composite metrics derived from: OFI (FRED MORTGAGE30US, r=0.902), MBA Weekly Index (MMNRNSA), HMDA 2018-2024 denial rates, AWS sensitivity coefficients. All metrics are directional signals, not predictions. Not financial advice. Methodology →