HMDA · RATE-SPREAD ANALYSIS
Pricing Power
Rank lenders by how far their originated-loan pricing sits above the market — rate spread (APR − APOR) and elevated-spread share, by geography and loan purpose · drill-down tier
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Pricing Power ranks lenders by how far their originated-loan rate spread (APR − APOR) sits above the market, with an elevated-spread (≥1.5pp) share and a year-over-year pricing trend — a drill-down tier feature over the public HMDA register.