Mortgage research, built from the source data
We analyze public federal datasets — HMDA lending records, CFPB complaints and current home prices — and publish what they show, with every figure sourced and dated. No spin, just the numbers.
Mortgage approval rates by state & loan type
Federal HMDA records on 6,807,732 loans originated and 2,081,146 denied — ranked across all 50 states and every major loan program.
Read the report CFPB complaint dataU.S. mortgage complaints analyzed
Which lenders and servicers draw the most complaints, what borrowers actually complain about, and how disputes get resolved — 84% are about servicing, not shopping.
Read the report Realtor.com + FREDIncome needed to buy a home, by state
The salary required to afford a median-priced home in each state at today’s rate, using the 28% rule — from the cheapest markets to the most expensive.
Read the reportHow this research is made
Every report on this page is built from primary public data, not third-party summaries. Approval rates come from the HMDA data browser (FFIEC/CFPB); complaint figures from the CFPB Consumer Complaint Database; home prices from Realtor.com via FRED. We aggregate the raw records, show our method, and date every pull so you can check our work.
Have a data question we should answer? These reports feed our rates pages and calculators — start with your own numbers and come back for the market context.