FinanceRateCalc Original · HMDA 2018–2025
Lender Stress Index
(LSI)
Not a quality ranking. A behavior model.
OFI → market friction input·
LSI → how sensitive each lender is to OFI·
Slider → simulate different market conditions
⚠️ Educational Only — LSI derived from CFPB HMDA 2018–2025. Statistical pattern, not prediction. Individual outcomes vary. Not financial advice.
All Lenders — Sorted by Current LSI
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AI routing · 8 years HMDA · OFI-adjusted
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What LSI measures: How much does this lender's FHA denial rate rise when market OFI increases? Based on 8 years × 11 lenders × 51 states of CFPB HMDA data. LSI is not a quality score — a lender with LSI 6 may still have a higher denial rate than one with LSI 57. It measures sensitivity to market conditions, not absolute performance. Source: CFPB HMDA 2018–2025 · All-cash purchases (~39% of 2025 sales) are not captured in HMDA and excluded from this analysis. · Educational purposes only.
LSI is a FinanceRateCalc original composite metric. Not affiliated with any lender. Not a rating or recommendation.