FinanceRateCalc HMDA statistics

Quality 72 / 100needs work

16 tools, about 4,414 tokens to load them all · tool set ba86637e8014 · tools last changed 2026-10-12 · checked 2026-10-19 18:29 UTC

Tool changes

• 2026-10-12check_claim_contractchangeddescription
  before

  Checks a proposed statement of a FinanceRateCalc figure against that figure's published use contract, so the sentence can be verified before it is written. Two input modes. (A) Flags: claim id plus the use you propose (population, period, scope, cause, individual prediction, lender recommendation, legal conclusion). (B) Sentence: claim id plus proposed_sentence, the exact sentence you intend to write; the tool checks it with fixed patterns, no model, for a missing period, missing program scope, a population wider than the claim, second-person prediction, causal wording, lender advice, legal conclusions, and values this publisher has since corrected. Returns a deterministic verdict: pass, needs_qualifier (naming the missing qualifier) or block (with a reason code), plus a safe sentence you may use verbatim and the required attribution. Most misuse of these statistics is omission, not invention: the number is right and the population is missing. NOT FOR: figures published by anyone other than FinanceRateCalc. (C) Rule sentence: passport_id of a rule file (frc:rule:…, five tables: FHA annual MIP, FHA forward loan limits 2026, FHFA conforming limits 2026, CFPB HOEPA/QM thresholds 2026, VA funding fee) plus proposed_sentence; the cell the sentence's qualifiers name is resolved and every dollar or percent figure is classified as current, superseded (STALE_VALUE), belonging to a different rule (VALUE_FROM_OTHER_RULE, e.g. the $726,200 MIP threshold quoted as a loan limit), or not in the table (VALUE_MISMATCH / UNVERIFIED_VALUE); the year, units, tier, use and down-payment band are checked, and a passing sentence returns a verifiable rule receipt.

  after · 83% of words in common

  Checks a proposed statement of a FinanceRateCalc figure against that figure's published use contract, so the sentence can be verified before it is written. Two input modes. (A) Flags: claim id plus the use you propose (population, period, scope, cause, individual prediction, lender recommendation, legal conclusion). (B) Sentence: claim id plus proposed_sentence, the exact sentence you intend to write; the tool checks it with fixed patterns, no model, for a missing period, missing program scope, a population wider than the claim, second-person prediction, causal wording, lender advice, legal conclusions, and values this publisher has since corrected. Returns a deterministic verdict: pass, needs_qualifier (naming the missing qualifier) or block (with a reason code), plus a safe sentence you may use verbatim and the required attribution. Most misuse of these statistics is omission, not invention: the number is right and the population is missing. NOT FOR: figures published by anyone other than FinanceRateCalc. (C) Rule sentence: passport_id of a rule file (frc:rule:…, five tables: FHA annual MIP, FHA forward loan limits 2026, FHFA conforming limits 2026, CFPB HOEPA/QM thresholds 2026, VA funding fee) plus proposed_sentence; each dollar or percent figure is bound to the role named in its own clause (floor or ceiling, tier, first or subsequent use, threshold item) and compared with that cell, so a right number under the wrong role is a mismatch and an unbound number earns no receipt; every figure is also classified as current, superseded (STALE_VALUE), belonging to a different rule (VALUE_FROM_OTHER_RULE, e.g. the $726,200 MIP threshold quoted as a loan limit), or not in the table (VALUE_MISMATCH / UNVERIFIED_VALUE); the year, units, tier, use, down-payment band and stated dates are checked (a date before the rule's start blocks; a missing MIP case date is never assumed), and a passing sentence with at least one bound figure returns a verifiable rule receipt.

• 2026-10-12check_claim_contractchangeddescriptionmeaning changed
  before

  Checks a proposed use of a FinanceRateCalc figure against its published use contract. Given a claim id and the use you propose (population, period, scope, and whether you assert a cause, predict an individual, recommend a lender or draw a legal conclusion), returns a deterministic verdict: pass, needs_qualifier (naming the missing qualifier) or block (with a reason code), plus a safe sentence you may use verbatim and the required attribution. Most misuse of these statistics is omission, not invention: the number is right and the population is missing. NOT FOR: figures published by anyone other than FinanceRateCalc.

  after · 36% of words in common

  Checks a proposed statement of a FinanceRateCalc figure against that figure's published use contract, so the sentence can be verified before it is written. Two input modes. (A) Flags: claim id plus the use you propose (population, period, scope, cause, individual prediction, lender recommendation, legal conclusion). (B) Sentence: claim id plus proposed_sentence, the exact sentence you intend to write; the tool checks it with fixed patterns, no model, for a missing period, missing program scope, a population wider than the claim, second-person prediction, causal wording, lender advice, legal conclusions, and values this publisher has since corrected. Returns a deterministic verdict: pass, needs_qualifier (naming the missing qualifier) or block (with a reason code), plus a safe sentence you may use verbatim and the required attribution. Most misuse of these statistics is omission, not invention: the number is right and the population is missing. NOT FOR: figures published by anyone other than FinanceRateCalc. (C) Rule sentence: passport_id of a rule file (frc:rule:…, five tables: FHA annual MIP, FHA forward loan limits 2026, FHFA conforming limits 2026, CFPB HOEPA/QM thresholds 2026, VA funding fee) plus proposed_sentence; the cell the sentence's qualifiers name is resolved and every dollar or percent figure is classified as current, superseded (STALE_VALUE), belonging to a different rule (VALUE_FROM_OTHER_RULE, e.g. the $726,200 MIP threshold quoted as a loan limit), or not in the table (VALUE_MISMATCH / UNVERIFIED_VALUE); the year, units, tier, use and down-payment band are checked, and a passing sentence returns a verifiable rule receipt.

• 2026-10-11resolve_fha_annual_mipadded

  ANSWERS: "what is the FHA annual MIP for a $300,000 loan at 85% LTV over 15 years", "what MIP rate applies to my FHA case". PARAMS: base_loan_amount (USD), ltv_pct (e.g. 96.5), term_years, case_number_date (YYYY-MM-DD). Resolves the exact cell of HUD Mortgagee Letter 2023-05 and returns the annual rate in basis points, the upfront rate, the matched cell, the rule id with effective date and sha256, and a sentence you may quote. If a parameter is missing it returns block with CONDITION_MISSING and no number: the table has eleven cells and a guess is wrong more often than right. NOT FOR: case numbers before 2023-03-20, HECM/reverse or Title I loans, or any monthly payment figure.

• 2026-10-11get_ruleadded

  ANSWERS: "what is the current FHA loan limit", "what are the 2026 HOEPA / QM thresholds", "what is the VA funding fee table", "which FHA MIP table is in force". PARAM: rule_id (from the index) or omit to list every published rule. Returns the machine-readable rule: cells, effective dates, issuer document, required qualifiers, what the table does not establish, sha256. The cell values and effective dates are in the file; in a published test, models answered 3/25 dated questions correctly without a source and 25/25 with this file. NOT FOR: rules not in the index, or anything before the effective date.

• 2026-10-11get_conditional_door_mapchangedtitle, annotations
• 2026-10-11run_cohortchangedtitle, annotations
• 2026-10-11list_cohortschangedtitle, description, annotations
  before

  ANSWERS: "can I screen a group of lenders", "what ready-made lender groups can I run", "show me an example screen". Returns the public cohorts screenable without uploading anything, with size and definition. Call before run_cohort. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.

  after · 88% of words in common

  ANSWERS: "can I screen a group of lenders", "what ready-made lender groups can I run", "show me an example screen". Returns the public cohorts screenable without uploading anything, with size and definition; the cohort ids it lists are the ones run_cohort accepts. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.

• 2026-10-11screen_counterparties_quotechangedtitle, description, annotations
  before

  ANSWERS: "what would it cost to screen this list", "how many of my LEIs are covered". PARAM: a list of public LEIs. Returns coverage and price before anything runs. Always call before screen_counterparties on a new list. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.

  after · 80% of words in common

  ANSWERS: "what would it cost to screen this list", "how many of my LEIs are covered". PARAM: a list of public LEIs. Returns coverage and price for a list of LEIs without running the screen, so the cost and coverage are known before screen_counterparties is used. Historical observation computed from the public CFPB HMDA 2025 record (actions 1,2,3; loan_type 2). Not a prediction about any individual application. Attribution: FinanceRateCalc, CC BY 4.0.

• 2026-10-11screen_counterpartieschangedtitle, annotations
• 2026-10-11get_metro_lender_gapchangedtitle, annotations

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