{
  "quarter": "Q2_2026",
  "ofi_total": 47,
  "ofi_behavioral_component": 8.8,
  "methodology": "HMDA aggregate 2018-2024 lender behavioral DNA",
  "lender_rss": {
    "large_bank": 2.25,
    "nonbank_lender": 1.34,
    "community_bank": 1.31,
    "credit_union": 1.14
  },
  "crisis_behavior": {
    "large_bank": {
      "baseline": 9.800000190734863,
      "stress_2022": 19.399999618530273,
      "recovery_2023": 20.100000381469727,
      "cbi": 9.59999942779541
    },
    "nonbank_lender": {
      "baseline": 9.100000381469727,
      "stress_2022": 17.899999618530273,
      "recovery_2023": 16.399999618530273,
      "cbi": 8.799999237060547
    },
    "community_bank": {
      "baseline": 11.199999809265137,
      "stress_2022": 16.799999237060547,
      "recovery_2023": 17.200000762939453,
      "cbi": 5.59999942779541
    },
    "credit_union": {
      "baseline": 7.800000190734863,
      "stress_2022": 12.100000381469727,
      "recovery_2023": 12.800000190734863,
      "cbi": 4.300000190734863
    }
  },
  "insight": "Large banks show 2.2x more rate sensitivity than credit unions. In rising rate environments, overlay pressure concentrates in large bank segment.",
  "source": "CFPB HMDA Annual Data 2018-2024, FRC Behavioral Analysis"
}