{
  "generated": "2026-05-29T15:31:17.870433",
  "data_source": "CFPB Consumer Complaint Database (public federal data)",
  "license": "CC BY 4.0",
  "methodology": "financeratecalc.com/overlay-friction-index.html",
  "ofi": {
    "live": 53.0,
    "baseline": 47,
    "delta": 6.0,
    "overlay_ratio": 0.9,
    "signal_count": 10
  },
  "classification": {
    "OVERLAY": 9,
    "AGENCY_RULE": 1
  },
  "friction_map": {
    "WELLS FARGO BANK": {
      "friction_score": 100.0,
      "overlay_signals": 2,
      "total": 2,
      "top_factor": "CREDIT",
      "states": [
        "CA",
        "WA"
      ]
    },
    "JPMORGAN CHASE BANK": {
      "friction_score": 100.0,
      "overlay_signals": 1,
      "total": 1,
      "top_factor": "DTI",
      "states": [
        "TX"
      ]
    },
    "BANK OF AMERICA": {
      "friction_score": 100.0,
      "overlay_signals": 1,
      "total": 1,
      "top_factor": "RESERVES",
      "states": [
        "GA"
      ]
    },
    "UNITED WHOLESALE MORTGAGE": {
      "friction_score": 100.0,
      "overlay_signals": 1,
      "total": 1,
      "top_factor": "INCOME",
      "states": [
        "MI"
      ]
    },
    "LAKEVIEW LOAN SERVICING": {
      "friction_score": 100.0,
      "overlay_signals": 1,
      "total": 1,
      "top_factor": "CREDIT",
      "states": [
        "FL"
      ]
    },
    "PENNYMAC LOAN SERVICES": {
      "friction_score": 100.0,
      "overlay_signals": 1,
      "total": 1,
      "top_factor": "DTI",
      "states": [
        "AZ"
      ]
    },
    "ROCKET MORTGAGE, LLC": {
      "friction_score": 66.7,
      "overlay_signals": 2,
      "total": 3,
      "top_factor": "DTI",
      "states": [
        "TX",
        "NY",
        "OH"
      ]
    }
  },
  "active_alerts": [
    {
      "type": "FACTOR_SPIKE",
      "signal": "FRC-SIGNAL: DTI overlays = 4 CFPB signals (30d)",
      "count": 4
    },
    {
      "type": "FACTOR_SPIKE",
      "signal": "FRC-SIGNAL: CREDIT overlays = 2 CFPB signals (30d)",
      "count": 2
    },
    {
      "type": "REGIONAL",
      "signal": "FRC-REGIONAL: TX overlay friction spike (2 signals)",
      "count": 2
    }
  ]
}