rate.Behind the numbers
THE RATE REFERENCE

Know what is in this edition.

2026-09-11, September 11, 2026

Added Delaware, Rhode Island and Wyoming for both 2024 and 2025. Four-state coverage now includes 195,598 source records before eligibility filters. State and lender-state pages show individual-state outcomes; lender profiles show their activity across all four included states.

2026-09-10, September 10, 2026

Added actual Vermont public HMDA records for 2024 and 2025: 31,196 originated or denied records before the comparable-population filters. The 2025 data has a June 2, 2026 snapshot date. Lender identities come from the official Data Browser filer endpoint.

Annual refresh

Source receipts retain the exact URL and SHA256. New snapshots replace only their data year; older raw releases remain available.