FinanceRateCalc · Pricing
The data is real. And the data is free.
Free, forever — everything that is evidence: national & state rates, the top-100 lender table, 184 metro gaps, the 8-year time series, all claim passports and receipts, three research papers, the corrections log, the MCP server, and every dataset (CC BY 4.0). No account, no wall, no tracking beyond basic analytics.
Optional research tools (for professionals)
Metro Lender Report Cards —
Founding Edition available now · $29. One page, every number sourced: the five high-volume FHA doors of a metro, observed denial rates and volumes, the small-loan penalty, each lender’s 8-year national pattern, and live receipt links. First card:
Cleveland, OH (6.4% vs 80.1% — the widest measured gap of 184 metros). Founding buyers get every quarterly update of their card free through 2027, and pick which metro we build next.
Get the Cleveland card → · other metro?
request yours
Counterparty Screen (via MCP agent tool) —
One-time $99 · Quarterly Monitor $249. Submit up to 40 public LEIs through any MCP-connected assistant: the aggregate shape of your list is free; a license returns the full 40-LEI Evidence Brief with coverage flags, z-scores and a hash-linked manifest.
What Quarterly Monitor delivers, honestly: the same LEI list re-run every quarter against a
new analysis layer — Q4 2026: full name mapping + corporate-family resolution via GLEIF; Q1 2027: institution-history layer (mergers, rebrandings and predecessor entities behind a single LEI); Q2 2027: the 2026 HMDA vintage with a true year-over-year delta. HMDA itself is annual, so a subscription that only promised “fresh data” would be hollow for two quarters; each quarter here adds something measurable.
One-time → ·
Quarterly → ·
how it works
Same-Day Claim Audit —
pilot · $39 / $99 / $249. Send up to five public mortgage claims (an AI answer, a report paragraph, a dashboard figure) and get a human-reviewed Evidence Brief: PASS / NEEDS_QUALIFIER / OUT_OF_SCOPE, with a safe rewrite and receipts. No personal data, no lender advice.
How it works →
Research reports — one-off deep-dive PDFs (e.g. correlation studies, condo-rule analyses) with full methodology and data files. Priced per report on their pages.
What we never sell: individual approval predictions, lender recommendations, your attention (no ads), or your intent (no affiliates, no lead generation). No lender pays us — that sentence is our business model's foundation, not its footnote. Retired products that crossed these lines are documented openly:
Zai ·
Verdict Case File.