About Fat Boy Data
Fat Boy Data turns federal mortgage filings into a simple answer: what lenders actually did, market by market.
What we do
Every year, lenders covered by the Home Mortgage Disclosure Act file one record for every mortgage application they decide: the amount, purpose, owner occupancy and what happened to the application. That data is public, and almost nobody reads it.
We read all of it. For 2023–2025, that is millions of applications across 616 counties, joined to FDIC and NCUA branch registries so you can see which lenders are actually reachable from where you live.
What Fat Boy is not
We are not a lender, a mortgage broker, or a financial adviser. We do not originate, arrange, or service loans, and nothing here is an offer of credit or a recommendation to use any particular lender.
An approval rate is a record, not a forecast.It measures who applied in an area and how they were treated. Credit decisions turn on the borrower: income, credit history, debt-to-income and loan-to-value. No figure here tells you what any lender would do with your application.
How Fat Boy makes money
The data is free. When you unlock a market, we ask for an email address and may share your interest with mortgage providers who pay to reach people shopping in that market. That is the business model, and it is explained in full in ourprivacy policy before you enter anything.
Independence
No lender can pay for placement, ranking or removal. Rankings come from federal filings and the rules on ourmethodology page. The same rules apply to every institution. If a lender ranks first, it is because of what it filed, not what it paid.
Talk to us
Questions, corrections or data requests:hello@fatboydata.com. If a figure looks wrong, send the page and lender name. We will check it against the source filings.