About RateLedger

RateLedger is an independent, free reference for US mortgage lending data and rates. US mortgage lending data, denial rates and rates — by state, from the source. We turn the public HMDA Data Browser into a clear page for each of the 51 US states and DC, and publish a dated national rate snapshot alongside a transparent mortgage calculator.

What we publish

• A lending profile for every state — originations, denial rate, purchase vs refinance, and the FHA/VA/conventional loan-type mix.
• Rankings of denial rates, volume and government-backed share.
• A dated national mortgage-rate snapshot (Freddie Mac PMMS) and a payment & affordability calculator.
• Plain-English guides to HMDA, loan types, denial reasons and rate spread.

How we work

Every number comes from a real, free, public source — chiefly the FFIEC/CFPB HMDA Data Browser (2023 reporting year, public domain). Figures we derive (denial rates, shares, ranks) are transparent calculations over those counts, documented on the methodology page. We do not invent state-level average rates: rate data is national and dated. If we cannot verify a value for a state, we omit it rather than guess.

Independence & disclaimer

RateLedger is not a lender, broker or financial adviser, and nothing here is a rate quote or financial advice. It is informational only — verify with a licensed lender and the primary sources before making any decision. See our disclaimer.

Contact

Questions or corrections? Get in touch.

Last updated: 2026-06-20