Lender Report Card
See how lenders in your area treat different groups of borrowers. We pull federal lending data to show which lenders deny more applicants — broken down by race, sex, age, income, and same-sex couples.
Free · No account required · Real CFPB data
What this tool does
The federal government requires most mortgage lenders to report every application they receive — who applied, whether they were approved or denied, and basic demographic info. That data is public. We use it to show you which lenders in your county have the highest denial rates for different groups of borrowers.
This doesn't prove discrimination. It's a signal. A lender with a 3x higher denial rate for Black applicants might be discriminating — or might serve a riskier loan mix. Either way, you deserve to know before you apply.
Denial Rate
The percentage of applications a lender rejected. A 20% denial rate means 1 in 5 applicants was turned down. Higher isn't always discriminatory — but it's worth asking why.
Disparity Ratio
How much more often one group is denied compared to the baseline. A ratio of 2.0x means that group is denied twice as often. Anything above 1.5x is flagged as elevated.
Why this matters
Lenders with high disparity ratios may be discriminating — or may serve riskier markets, or operate differently than the county average. The data doesn't tell you which. But going in blind is worse. Use this as one signal among many when choosing where to apply.
Data from the CFPB Home Mortgage Disclosure Act (HMDA) database · 2023 data · Updated annually
Analyzing HMDA data for your area…
First lookups may take 30-60 seconds while we process federal data
Methodology & Data Source
This report uses data from the Home Mortgage Disclosure Act (HMDA), collected and published by the Consumer Financial Protection Bureau (CFPB). HMDA requires most mortgage lenders to report detailed data about loan applications, including approval/denial decisions, applicant demographics, and loan terms.
Disparity ratios compare each group's denial rate to a baseline (White for race, Male for sex, opposite-sex for couples, 35-61 for age, and high-income for income). A ratio of 2.0x means that group was denied at twice the baseline rate. Ratios above 1.5x are flagged.
Same-sex couple identification follows established HUD research methodology: applications where both the applicant and co-applicant report the same sex (male+male or female+female) are classified as same-sex couple applications. This is a proxy — it captures most but not all same-sex couples, and may include some non-romantic co-borrowers.
Limitations: Denial rate differences can reflect many factors beyond discrimination, including credit scores, debt-to-income ratios, and property types — data HMDA does not capture. High disparity ratios are a signal for further investigation, not proof of illegal discrimination. Lenders with fewer than 25 applications in this area are excluded.
View raw HMDA data on CFPB.gov →