Independent researchPublic records onlyFree to read
Lender data, graded. Public records, turned into plain scores.
Every lender files its loan data with the government. Every complaint, license and county limit is public. LendResearch reads all of it so you do not have to, and grades every lender A to F. You do not need to be a bank to see what the banks see.
Get the first Florida report
One email when the first lender grades go live, then a short weekly research note. Unsubscribe any time.
What publishes first
- Lender grades, A to F, for every lender that files federal mortgage data, built from HMDA filings, CFPB complaint records, FDIC and NCUA data and state licensing files. How grades work.
- Approval data by county and loan type, so you can see who actually closes loans like yours, where you are.
- Every licensed lender and broker in the state, banks, credit unions, mortgage companies, private and commercial lenders, each with a page the firm can claim. For lenders.
- County data every borrower needs, starting with 2026 conforming and FHA loan limits for all 3,235 U.S. counties, live today.
Free tools, live now
- Loan limit lookup2026 conforming and FHA limits for any U.S. county, one to four units.Open
- DSCR calculatorDoes the rent cover the payment? The first number a DSCR lender checks.Open
- Mortgage paymentPrincipal, interest, taxes, insurance, HOA and mortgage insurance in one figure.Open
- How much house can I affordMaximum price from income, debts, down payment and the ratios lenders use.Open
- Rent vs buyTotal cost of each over the years you plan to stay, with the break even year.Open
- Refinance break evenMonthly saving, the month closing costs are recovered, interest remaining either way.Open
- Amortization scheduleYear by year interest, principal and balance, and what an extra payment saves.Open
- Closing costs and cash to closeFlorida fees, doc stamps, intangible tax, prepaids and escrow, line by line.Open
- Debt to incomeFront and back ratios checked against conventional, FHA and VA guidelines.Open
Want someone on your side?
Written and reviewed by Kunal (KJ), former licensed mortgage loan originator and real estate investor. About LendResearch.