{
"generated": "2026-10-01T18:57:10Z",
"source": "financeratecalc.github.io main; claim objects as in worker/index.js /verify; hash8 = first 8 hex of SHA-256 of the canonical claim object",
"count": 386,
"unresolved": [],
"receipts": {
"national-fha-denial-rate-2025": {
"value": "22.1%",
"hash8": "ebf6b00b"
},
"door-effect-38pct-2026": {
"value": "38%",
"hash8": "c0f658fe"
},
"small-loan-penalty-range-2025": {
"value": "1.19x-4.45x",
"hash8": "3b073ecc"
},
"denial-reason-shares-top100-2025": {
"value": "dti-40.8%",
"hash8": "17654e94"
},
"lender-acrisure-mortgage-2025": {
"value": "8.8%",
"hash8": "c920ce28"
},
"lender-advantagefirst-lending-2025": {
"value": "37.6%",
"hash8": "d5cfdb04"
},
"lender-american-financial-network-2025": {
"value": "15.3%",
"hash8": "b757adbe"
},
"lender-american-financial-resources-2025": {
"value": "10.4%",
"hash8": "d1a746b9"
},
"lender-american-financing-2025": {
"value": "71.0%",
"hash8": "6919ba35"
},
"lender-american-neighborhood-mortgage-acceptance-2025": {
"value": "4.6%",
"hash8": "53057d87"
},
"lender-american-pacific-mortgage-2025": {
"value": "12.8%",
"hash8": "9573e49f"
},
"lender-amerihome-mortgage-2025": {
"value": "14.3%",
"hash8": "bffff40a"
},
"lender-ameris-bank-2025": {
"value": "10.2%",
"hash8": "117b676c"
},
"lender-amerisave-mortgage-2025": {
"value": "78.7%",
"hash8": "c96677c2"
},
"lender-ark-la-tex-financial-services-2025": {
"value": "4.6%",
"hash8": "53c196f5"
},
"lender-atlantic-bay-mortgage-group-2025": {
"value": "3.6%",
"hash8": "b85dadf8"
},
"lender-better-mortgage-2025": {
"value": "49.4%",
"hash8": "3d71e45c"
},
"lender-calcon-mutual-mortgage-2025": {
"value": "24.2%",
"hash8": "ced839a9"
},
"lender-canopy-mortgage-2025": {
"value": "4.3%",
"hash8": "8cf3238b"
},
"lender-cardinal-financial-li-2025": {
"value": "12.0%",
"hash8": "5b337d20"
},
"lender-carrington-mortgage-services-2025": {
"value": "58.4%",
"hash8": "bee157f7"
},
"lender-click-n-close-2025": {
"value": "9.2%",
"hash8": "2226fca9"
},
"lender-cmg-mortgage-2025": {
"value": "6.2%",
"hash8": "b506c55d"
},
"lender-crosscountry-mortgage-2025": {
"value": "6.2%",
"hash8": "3b2ca632"
},
"lender-das-acquisition-2025": {
"value": "4.7%",
"hash8": "c4b18732"
},
"lender-dhi-mortgage-2025": {
"value": "20.6%",
"hash8": "4c226ab8"
},
"lender-envoy-mortgage-2025": {
"value": "42.0%",
"hash8": "841e02be"
},
"lender-equity-prime-mortgage-2025": {
"value": "20.5%",
"hash8": "735e217b"
},
"lender-everett-financial-2025": {
"value": "10.2%",
"hash8": "c6afc255"
},
"lender-fairway-independent-mort-2025": {
"value": "8.3%",
"hash8": "69013f8d"
},
"lender-first-colony-mortgage-corporat-2025": {
"value": "5.6%",
"hash8": "1f782cc2"
},
"lender-first-community-mortgage-2025": {
"value": "9.5%",
"hash8": "6f683e36"
},
"lender-first-heritage-mortgage-2025": {
"value": "7.2%",
"hash8": "0e50e385"
},
"lender-flagstar-bank-2025": {
"value": "40.7%",
"hash8": "61d357d7"
},
"lender-flat-branch-mortgage-2025": {
"value": "1.8%",
"hash8": "24646f10"
},
"lender-freedom-mortgage-2025": {
"value": "19.9%",
"hash8": "304dfb84"
},
"lender-gateway-first-bank-2025": {
"value": "7.7%",
"hash8": "e65311a2"
},
"lender-geneva-financial-2025": {
"value": "3.6%",
"hash8": "f96144a1"
},
"lender-gold-star-mortgage-financial-group-2025": {
"value": "7.0%",
"hash8": "2b47121e"
},
"lender-goodleap-2025": {
"value": "35.5%",
"hash8": "e38dc185"
},
"lender-guaranteed-rate-2025": {
"value": "13.5%",
"hash8": "c7a89edd"
},
"lender-guild-mortgage-2025": {
"value": "6.9%",
"hash8": "fec9b21b"
},
"lender-highlands-residential-mortgage-2025": {
"value": "3.0%",
"hash8": "2f590764"
},
"lender-homeamerican-mortgage-2025": {
"value": "12.9%",
"hash8": "f456eaea"
},
"lender-homebridge-financial-services-2025": {
"value": "33.4%",
"hash8": "40b3d4f2"
},
"lender-huntington-national-bank-2025": {
"value": "26.3%",
"hash8": "d6cdbd31"
},
"lender-inspire-home-loans-2025": {
"value": "15.7%",
"hash8": "414ed910"
},
"lender-ixonia-bank-2025": {
"value": "6.7%",
"hash8": "fe9270ec"
},
"lender-jpmorgan-chase-bank-2025": {
"value": "42.2%",
"hash8": "7f7fec99"
},
"lender-kbhs-home-loans-2025": {
"value": "12.2%",
"hash8": "a60f2601"
},
"lender-kind-lending-2025": {
"value": "27.6%",
"hash8": "e36c1247"
},
"lender-lakeview-community-capital-2025": {
"value": "1.8%",
"hash8": "b78935de"
},
"lender-lakeview-loan-servicing-2025": {
"value": "57.0%",
"hash8": "0da2ef69"
},
"lender-lennar-mortgage-2025": {
"value": "22.9%",
"hash8": "054bbdd5"
},
"lender-loandepotcom-2025": {
"value": "34.6%",
"hash8": "de11bc50"
},
"lender-loanunitedcom-2025": {
"value": "24.8%",
"hash8": "9f3a7196"
},
"lender-lower-2025": {
"value": "22.3%",
"hash8": "45a34767"
},
"lender-luminate-bank-2025": {
"value": "8.2%",
"hash8": "775f3965"
},
"lender-m-i-financial-2025": {
"value": "5.2%",
"hash8": "dc50b03a"
},
"lender-mandt-bank-2025": {
"value": "32.6%",
"hash8": "88a77469"
},
"lender-mortgage-research-center-2025": {
"value": "36.2%",
"hash8": "186528d1"
},
"lender-movement-mortgage-2025": {
"value": "5.8%",
"hash8": "3524506f"
},
"lender-mutual-of-omaha-mortgage-2025": {
"value": "42.1%",
"hash8": "e7c74af5"
},
"lender-nations-lending-2025": {
"value": "11.1%",
"hash8": "867bf775"
},
"lender-nationstar-mortgage-2025": {
"value": "26.5%",
"hash8": "c98e7bee"
},
"lender-new-american-funding-2025": {
"value": "26.9%",
"hash8": "1ae5991a"
},
"lender-newrez-2025": {
"value": "52.8%",
"hash8": "943d0c45"
},
"lender-nfm-2025": {
"value": "4.1%",
"hash8": "8f6c0ab8"
},
"lender-nvr-mortgage-finance-2025": {
"value": "34.0%",
"hash8": "6a1be693"
},
"lender-ocmbc-2025": {
"value": "10.4%",
"hash8": "e0337ac8"
},
"lender-paramount-residential-mortgage-2025": {
"value": "5.8%",
"hash8": "2752eeab"
},
"lender-pennymac-loan-services-2025": {
"value": "22.9%",
"hash8": "33ff9582"
},
"lender-phh-mortgage-2025": {
"value": "25.0%",
"hash8": "9111756a"
},
"lender-plains-commerce-bank-2025": {
"value": "14.5%",
"hash8": "52595136"
},
"lender-planet-home-lending-2025": {
"value": "17.8%",
"hash8": "bd6d08b9"
},
"lender-plaza-home-mortgage-2025": {
"value": "35.8%",
"hash8": "721c067c"
},
"lender-premier-mortgage-resources-2025": {
"value": "5.4%",
"hash8": "f52ebb36"
},
"lender-primary-residential-mortgage-2025": {
"value": "10.7%",
"hash8": "d00fe3c5"
},
"lender-primelending-2025": {
"value": "9.1%",
"hash8": "f6621343"
},
"lender-prosperity-home-mortgage-2025": {
"value": "18.1%",
"hash8": "6b999b0d"
},
"lender-pulte-mortgage-2025": {
"value": "26.8%",
"hash8": "ba86e4bf"
},
"lender-regions-bank-2025": {
"value": "40.0%",
"hash8": "7b3ec02f"
},
"lender-rocket-mortgage-2025": {
"value": "29.8%",
"hash8": "abc51242"
},
"lender-ruoff-mortgage-2025": {
"value": "9.4%",
"hash8": "52e954ac"
},
"lender-securitynational-mortgage-2025": {
"value": "14.0%",
"hash8": "d48b8d6f"
},
"lender-stockton-mortgage-2025": {
"value": "16.3%",
"hash8": "b30b7fef"
},
"lender-sun-west-mortgage-2025": {
"value": "20.2%",
"hash8": "aa2a221d"
},
"lender-synergy-one-lending-2025": {
"value": "10.8%",
"hash8": "36567eba"
},
"lender-t2-financial-2025": {
"value": "9.2%",
"hash8": "6c8a8050"
},
"lender-taylor-morrison-home-funding-2025": {
"value": "26.8%",
"hash8": "a9970f0f"
},
"lender-the-loan-store-2025": {
"value": "10.9%",
"hash8": "e3f1f0f0"
},
"lender-top-flite-financial-2025": {
"value": "15.2%",
"hash8": "0781d700"
},
"lender-towne-mortgage-2025": {
"value": "5.5%",
"hash8": "17f0e3f9"
},
"lender-union-home-mortgage-2025": {
"value": "8.3%",
"hash8": "d4daaa8e"
},
"lender-united-wholesale-mortgage-2025": {
"value": "21.4%",
"hash8": "4bdd926a"
},
"lender-us-bank-2025": {
"value": "23.5%",
"hash8": "89156710"
},
"lender-vanderbilt-mortgage-and-finance-2025": {
"value": "2.7%",
"hash8": "5f0184ae"
},
"lender-velocio-mortgage-2025": {
"value": "4.0%",
"hash8": "8706d125"
},
"lender-village-capital-and-investment-2025": {
"value": "33.3%",
"hash8": "41f223e5"
},
"lender-vip-mortgage-2025": {
"value": "5.0%",
"hash8": "2748dd61"
},
"lender-wells-fargo-bank-2025": {
"value": "48.6%",
"hash8": "ee355943"
},
"lender-zillow-home-loans-2025": {
"value": "12.4%",
"hash8": "d1c77061"
},
"state-ak-2025": {
"value": "18.2%",
"hash8": "56b82b0f"
},
"state-al-2025": {
"value": "22.9%",
"hash8": "9ae88d3b"
},
"state-ar-2025": {
"value": "21.1%",
"hash8": "494ea211"
},
"state-az-2025": {
"value": "18.7%",
"hash8": "313d3cde"
},
"state-ca-2025": {
"value": "21.7%",
"hash8": "a4885178"
},
"state-co-2025": {
"value": "21.6%",
"hash8": "25ac2458"
},
"state-ct-2025": {
"value": "26.7%",
"hash8": "27f013c3"
},
"state-dc-2025": {
"value": "29.6%",
"hash8": "8572c582"
},
"state-de-2025": {
"value": "25.1%",
"hash8": "d8df03d8"
},
"state-fl-2025": {
"value": "24.5%",
"hash8": "0751d0e8"
},
"state-ga-2025": {
"value": "24.7%",
"hash8": "f320bc71"
},
"state-hi-2025": {
"value": "31.4%",
"hash8": "b015ecab"
},
"state-ia-2025": {
"value": "24.9%",
"hash8": "eceb1ff7"
},
"state-id-2025": {
"value": "15.0%",
"hash8": "38c95f79"
},
"state-il-2025": {
"value": "27.5%",
"hash8": "6666d92e"
},
"state-in-2025": {
"value": "22.5%",
"hash8": "f475e405"
},
"state-ks-2025": {
"value": "22.7%",
"hash8": "4267fb5c"
},
"state-ky-2025": {
"value": "21.4%",
"hash8": "e92ae614"
},
"state-la-2025": {
"value": "24.6%",
"hash8": "3dd2a5d0"
},
"state-ma-2025": {
"value": "22.9%",
"hash8": "4ec66412"
},
"state-md-2025": {
"value": "24.2%",
"hash8": "90e8f696"
},
"state-me-2025": {
"value": "24.0%",
"hash8": "2891b8bd"
},
"state-mi-2025": {
"value": "27.4%",
"hash8": "afc2a71e"
},
"state-mn-2025": {
"value": "22.1%",
"hash8": "da8ca842"
},
"state-mo-2025": {
"value": "20.2%",
"hash8": "6f43c629"
},
"state-ms-2025": {
"value": "24.8%",
"hash8": "7dc878b0"
},
"state-mt-2025": {
"value": "21.4%",
"hash8": "722d1a8f"
},
"state-nc-2025": {
"value": "21.8%",
"hash8": "9d0304bd"
},
"state-nd-2025": {
"value": "17.8%",
"hash8": "a9232ecb"
},
"state-ne-2025": {
"value": "20.7%",
"hash8": "8f030245"
},
"state-nh-2025": {
"value": "23.7%",
"hash8": "11351872"
},
"state-nj-2025": {
"value": "24.9%",
"hash8": "da807cd9"
},
"state-nm-2025": {
"value": "22.3%",
"hash8": "8c5bd7f6"
},
"state-nv-2025": {
"value": "17.7%",
"hash8": "953a7a3b"
},
"state-ny-2025": {
"value": "25.3%",
"hash8": "f83abf68"
},
"state-oh-2025": {
"value": "23.0%",
"hash8": "34beae06"
},
"state-ok-2025": {
"value": "20.1%",
"hash8": "e3c708b6"
},
"state-or-2025": {
"value": "18.2%",
"hash8": "20527ab4"
},
"state-pa-2025": {
"value": "25.6%",
"hash8": "32f3b065"
},
"state-pr-2025": {
"value": "17.8%",
"hash8": "7306d2ad"
},
"state-ri-2025": {
"value": "21.8%",
"hash8": "69b7f334"
},
"state-sc-2025": {
"value": "21.2%",
"hash8": "2137cae4"
},
"state-sd-2025": {
"value": "21.1%",
"hash8": "75bcbc17"
},
"state-tn-2025": {
"value": "20.5%",
"hash8": "3fce38b4"
},
"state-tx-2025": {
"value": "15.7%",
"hash8": "2b2c170b"
},
"state-ut-2025": {
"value": "15.2%",
"hash8": "0254f988"
},
"state-va-2025": {
"value": "21.8%",
"hash8": "deb0ac6d"
},
"state-vt-2025": {
"value": "27.4%",
"hash8": "fcc8bb0d"
},
"state-wa-2025": {
"value": "18.7%",
"hash8": "9518b110"
},
"state-wi-2025": {
"value": "26.5%",
"hash8": "30914510"
},
"state-wv-2025": {
"value": "23.6%",
"hash8": "952fbd9d"
},
"state-wy-2025": {
"value": "17.6%",
"hash8": "0eb7b6be"
},
"metro-gap-akron-oh-2025": {
"value": "24.3pp",
"hash8": "9c37a2d8"
},
"metro-gap-albany-schenectady-troy-ny-2025": {
"value": "19.4pp",
"hash8": "6f353be1"
},
"metro-gap-albuquerque-nm-2025": {
"value": "26.5pp",
"hash8": "63869e01"
},
"metro-gap-allentown-bethlehem-easton-pa-nj-2025": {
"value": "20.4pp",
"hash8": "79ad1a5e"
},
"metro-gap-anaheim-santa-ana-irvine-ca-2025": {
"value": "10.0pp",
"hash8": "eee31746"
},
"metro-gap-arlington-alexandria-reston-va-wv-2025": {
"value": "23.4pp",
"hash8": "b0f8048a"
},
"metro-gap-atlanta-sandy-springs-roswell-ga-2025": {
"value": "55.2pp",
"hash8": "2902dcfc"
},
"metro-gap-augusta-richmond-county-ga-sc-2025": {
"value": "18.3pp",
"hash8": "9fa9adae"
},
"metro-gap-austin-round-rock-tx-2025": {
"value": "23.0pp",
"hash8": "3a4a1cb4"
},
"metro-gap-bakersfield-ca-2025": {
"value": "21.2pp",
"hash8": "a9b32576"
},
"metro-gap-baltimore-columbia-towson-md-2025": {
"value": "10.9pp",
"hash8": "e05e863f"
},
"metro-gap-baton-rouge-la-2025": {
"value": "17.9pp",
"hash8": "bcae7f22"
},
"metro-gap-beaumont-port-arthur-tx-2025": {
"value": "8.5pp",
"hash8": "5471a510"
},
"metro-gap-birmingham-hoover-al-2025": {
"value": "33.2pp",
"hash8": "052944d8"
},
"metro-gap-boise-city-id-2025": {
"value": "13.4pp",
"hash8": "a666a7d8"
},
"metro-gap-boston-ma-2025": {
"value": "21.5pp",
"hash8": "a3bc9ff4"
},
"metro-gap-bridgeport-stamford-norwalk-ct-2025": {
"value": "11.4pp",
"hash8": "28ca54b7"
},
"metro-gap-buffalo-cheektowaga-niagara-falls-ny-2025": {
"value": "27.0pp",
"hash8": "66b240ac"
},
"metro-gap-cambridge-newton-framingham-ma-2025": {
"value": "22.6pp",
"hash8": "ebce48c1"
},
"metro-gap-camden-nj-2025": {
"value": "23.7pp",
"hash8": "31f10eb8"
},
"metro-gap-canton-massillon-oh-2025": {
"value": "28.6pp",
"hash8": "a9c028bf"
},
"metro-gap-cape-coral-fort-myers-fl-2025": {
"value": "37.5pp",
"hash8": "6030439f"
},
"metro-gap-charleston-north-charleston-sc-2025": {
"value": "9.7pp",
"hash8": "a0fd2cf0"
},
"metro-gap-charlotte-concord-gastonia-nc-sc-2025": {
"value": "28.5pp",
"hash8": "09af6eb7"
},
"metro-gap-chattanooga-tn-ga-2025": {
"value": "25.2pp",
"hash8": "fe4378c2"
},
"metro-gap-chicago-naperville-evanston-il-2025": {
"value": "26.2pp",
"hash8": "bb861d88"
},
"metro-gap-cincinnati-oh-ky-in-2025": {
"value": "19.3pp",
"hash8": "228f120c"
},
"metro-gap-clarksville-tn-ky-2025": {
"value": "0.3pp",
"hash8": "13ae8ca7"
},
"metro-gap-cleveland-oh-2025": {
"value": "73.7pp",
"hash8": "369427ab"
},
"metro-gap-colorado-springs-co-2025": {
"value": "16.7pp",
"hash8": "948e7079"
},
"metro-gap-columbia-sc-2025": {
"value": "25.1pp",
"hash8": "d18f54a3"
},
"metro-gap-columbus-ga-al-2025": {
"value": "9.7pp",
"hash8": "7b669684"
},
"metro-gap-columbus-oh-2025": {
"value": "30.7pp",
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},
"small-loan-penalty-tn-2025": {
"value": "2.51x",
"hash8": "75e164a6"
},
"small-loan-penalty-ct-2025": {
"value": "2.38x",
"hash8": "51c5de46"
},
"small-loan-penalty-nc-2025": {
"value": "2.36x",
"hash8": "31356ae5"
},
"small-loan-penalty-al-2025": {
"value": "2.35x",
"hash8": "ab1bde9c"
},
"small-loan-penalty-ok-2025": {
"value": "2.35x",
"hash8": "d20ffc68"
},
"small-loan-penalty-co-2025": {
"value": "2.31x",
"hash8": "1da43844"
},
"small-loan-penalty-de-2025": {
"value": "2.31x",
"hash8": "0ca8b4ae"
},
"small-loan-penalty-ar-2025": {
"value": "2.3x",
"hash8": "79cfafef"
},
"small-loan-penalty-mo-2025": {
"value": "2.29x",
"hash8": "d0c02c6a"
},
"small-loan-penalty-wi-2025": {
"value": "2.29x",
"hash8": "b99a3519"
},
"small-loan-penalty-la-2025": {
"value": "2.23x",
"hash8": "f8e6dd58"
},
"small-loan-penalty-sc-2025": {
"value": "2.23x",
"hash8": "2419b0e5"
},
"small-loan-penalty-ky-2025": {
"value": "2.21x",
"hash8": "66fdb697"
},
"small-loan-penalty-fl-2025": {
"value": "2.19x",
"hash8": "b98e3b03"
},
"small-loan-penalty-va-2025": {
"value": "2.18x",
"hash8": "24aa3d56"
},
"small-loan-penalty-ga-2025": {
"value": "2.17x",
"hash8": "da5d6a67"
},
"small-loan-penalty-nj-2025": {
"value": "2.17x",
"hash8": "16de286a"
},
"small-loan-penalty-vt-2025": {
"value": "2.17x",
"hash8": "d1667bd8"
},
"small-loan-penalty-wv-2025": {
"value": "2.17x",
"hash8": "51e92f32"
},
"small-loan-penalty-md-2025": {
"value": "2.11x",
"hash8": "42277029"
},
"small-loan-penalty-ks-2025": {
"value": "2.07x",
"hash8": "dfdbbb03"
},
"small-loan-penalty-mn-2025": {
"value": "2.05x",
"hash8": "b4749697"
},
"small-loan-penalty-pa-2025": {
"value": "1.97x",
"hash8": "51565103"
},
"small-loan-penalty-in-2025": {
"value": "1.88x",
"hash8": "3229edaf"
},
"small-loan-penalty-tx-2025": {
"value": "1.81x",
"hash8": "d6a11c5e"
},
"small-loan-penalty-oh-2025": {
"value": "1.74x",
"hash8": "a9ed1c42"
},
"small-loan-penalty-ia-2025": {
"value": "1.66x",
"hash8": "01b2f641"
},
"small-loan-penalty-mi-2025": {
"value": "1.63x",
"hash8": "ac6ecae2"
},
"small-loan-penalty-il-2025": {
"value": "1.49x",
"hash8": "8f896358"
},
"small-loan-penalty-ny-2025": {
"value": "1.45x",
"hash8": "5a6aac01"
},
"small-loan-penalty-pr-2025": {
"value": "1.19x",
"hash8": "fe56fd33"
}
}
}