The index is published by FinanceRateCalc (FRC Research), an independent mortgage-data research site founded by Ziya Yetiş, a 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.
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Cite freely · CC BY 4.0Source: CFPB HMDA 2025 (1,187,606 decisioned FHA applications), processed by FinanceRateCalc · methodology · all statistics