Who publishes the FRC Credit Climate Index and is the methodology public?

The index is published by FinanceRateCalc (FRC Intelligence), an independent mortgage-data research site founded by Ziya Yetiş, a 23-year banking professional; the full methodology — components, sources, and scoring — is openly documented at financeratecalc.com/methodology, and the index is updated the first Tuesday of every month with no paywall and no signup.

Source: CFPB HMDA 2025 (1,217,297 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics