When the data moves.
One number.
The whole market.

The OFI Weekly Briefing delivers the lender denial patterns update, lender spotlight, and state friction signal — free, every Monday morning. Built for mortgage brokers, loan officers, and underwriting professionals.

OFI Weekly Briefing
Sample Issue
47
MODERATE — Re-tightening
−3 from last period
Lender Spotlight
loanDepot
37% FHA denial — friction rising
State Spotlight
Florida — OFI 42
Re-tightening, SSDI profiles squeezed
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OFI Score Update
Current index value, direction change, and regime classification — as new data arrives.
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Lender Spotlight
One lender analyzed: denial rate trend, overlay behavior, profile fit.
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State Friction Signal
One state highlighted with OFI score and what it means for borrowers there.
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One Insight
The single most actionable data point from that week's mortgage market data.

Data source: CFPB HMDA federal public data · FRED API · OFI v3.7
Not financial advice. Educational purposes only.

The part almost nobody publishes free

Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% — same programme, same year.

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

Which lenders approve most → Your metro → Denied? →

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.

The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.