FinanceRateCalc
The Second Look ① The Verdict — your file ② The Vintage — your year ③ The Meter — today’s climate A denial is a data point, not a verdict on you.

Just denied? Start with The Denial Map — four steps from the federal record →

Research and analysis by — 23 years in banking (credit side), now analyzing federal HMDA records independently. No ads, no lender compensation. Methodology · [email protected]

The Vintage

Credit-climate timeline: past → present → forecast · see all three together →

Wine has good years and brutal years. So does mortgage credit. Enter your denial year — The Vintage ranks it against 8 years of real federal climate data. You may not have failed. You may have filed in the wrong year.

Vintage rank —
Climate that year
Was the door part of it too? Run the Verdict — free → It's not that year anymore. See which lender fits your file today →
The Vintage compares the FRC Credit Climate Index (a composite of FHA denial rates, Fed SLOOS, mortgage-Treasury spreads, and FHFA HPI, 2018–2025) across years. It describes market context, not any individual's creditworthiness, and makes no finding about any lender's conduct. Historical data observation — not financial, legal, or mortgage advice. FRC Research · financeratecalc.com

The facts behind the Vintage

Source: CFPB HMDA loan-level records (1,187,606 decisioned FHA applications in 2025), analyzed by FinanceRateCalc. Free to quote with attribution. More: answers · methodology.

That was your year. Where does the credit climate sit right now? → Read today’s meter
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
Get the Dispatch →
AI Accuracy Index The Door Effect The Denial Map Open Data About Press Newsletter
FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.