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

Put federal FHA data on your site

One line of code. A live, auto-updating table of real FHA denial rates by lender — from federal HMDA records, on your blog, ActiveRain profile, or brokerage site. Free, forever.

The code

<script src="https://financeratecalc.com/widget.js" async></script>

Live preview

The deal

It costs nothing and never will. The only condition: the small “Data: FRC” credit stays visible. Your readers get real data; you get authority content that updates itself; we get the credit. Questions or a custom version (your branding, specific lenders)? Email [email protected] — a human answers.

Data: CFPB HMDA 2018–2025, FRC 11-lender panel. Historical observation, not advice; not a recommendation to use or avoid any lender.

NEW — The Thinking Widget (interactive)

Not just the table — the engine. Your visitors enter their DTI and down payment; the widget reads their exact coordinates against 1,187,606 federal records and answers in FRC terms: credit climate, CLTV band, and the real lender spread at their spot. One line:

<script src="https://financeratecalc.com/widget-engine.js" data-frc-engine></script>

Free. The "Data: FRC" credit stays visible — that's the whole deal.

The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.