Findings
Counts nobody else publishes, taken from the HMDA file and the FDIC surveys and nothing else. Each one is available as JSON under CC BY, so it can be quoted and checked.
- Where a mortgage application is denied most
- The widest gap between lenders’ rates in one county
- Counties that lost a bank branch
- The biggest mortgage lenders
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When these figures are restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.