Finance articles
Mortgages, loans, taxes, investing, and everyday money decisions - explained simply.
Blog posts
- Oct 16, 2026
2026 Homebuyer Approval Odds by County - Free CSV
County home-purchase approval odds from 2025 HMDA, joined to conforming limits, ACS costs, NFIP, and FMR. Free CSV, methodology, and press kit.
Rajkishor Sahu - Oct 15, 2026
Conforming Loan Limits by County 2026 - FHFA CSV
Free 2026 FHFA conforming loan limits by county with high-cost flags and FHA floor/ceiling context. Download the CSV and see how jumbo thresholds work.
Rajkishor Sahu - Oct 15, 2026
HMDA Closing Costs by County 2025 - Median Loan Costs
See median HMDA total loan costs, rates, and CLTV by county from originated home-purchase loans. Free methodology and CSV when the LAR snapshot includes costs.
Rajkishor Sahu - Oct 15, 2026
HMDA Mortgage Denial Atlas - National 2025 Data
2025 HMDA national denial rates by loan type, DTI, CLTV, state, and top counties. Free CSV downloads. Snapshot verified methodology. Cite freely.
Rajkishor Sahu - Oct 15, 2026
Metro Housing Affordability Scorecard - ACS PITI (2026)
See how many of 20 metros clear a 28% PITI test on ACS median homes at the latest PMMS rate. Free CSV download, methodology, and cite block.
Rajkishor Sahu - Oct 15, 2026
Mortgage Interest Deduction by ZIP - IRS SOI 2026
Understand how often filers claim the mortgage interest deduction using IRS Statistics of Income ideas. Pair with property-tax and refinance planning tools. Free.
Rajkishor Sahu - Oct 15, 2026
Mortgage Rate Lock-In Effect 2026 - NMDB Context
Explain the mortgage rate lock-in effect with FHFA National Mortgage Database context. See why homeowners with sub-4% rates delay selling and how it affects refinance math.
Rajkishor Sahu - Oct 15, 2026
PMMS Weekly Payment Index - $300k Loan (2026)
Track the weekly Freddie Mac PMMS 30-year rate as monthly P&I on a $300k loan. Free CSV download, cited methodology, updated after each survey week.
Rajkishor Sahu - Oct 15, 2026
True Monthly Housing Cost by State - $400k PITI (2026)
Compare true monthly housing cost on a $400k home across 20 states. PMMS P&I plus tax and insurance, with free CSV downloads. Cite the methodology.
Rajkishor Sahu - Aug 5, 2026
Historical Mortgage Rates Chart - 1971-2026
Interactive Freddie Mac PMMS chart of U.S. mortgage rates since 1971, plus decade payment impact on a $300k loan. Free to cite.
Rajkishor Sahu - Aug 5, 2026
Mortgage Rate History Payment Impact (2026)
See what every PMMS rate era cost on a $300k 30-year loan - monthly P&I and lifetime interest from 1971 to 2026. Free analysis.
Rajkishor Sahu - Aug 5, 2026
Mortgage Denial Rates by County - HMDA (2026)
2025 HMDA: Polk County FL leads at 17.42% denial rate. Rankings across 137 counties in 20 states. Snapshot verified Oct 16, 2026. Free calculator.
Rajkishor Sahu