Research
Original data analysis and reports on consumer lending, credit access, and financial services in America.
Use Research With the Directory
CreditDoc research is designed to add context to local guides, state pages, provider categories, and borrower questions. These reports are data explainers, not recommendations, approval predictions, price quotes, or licensing determinations.
America's Most Responsive Consumer Finance Providers 2026
A positive-framed CFPB complaint-response analysis highlighting providers with strong timely-response records, consumer relief outcomes, and transparent public complaint histories.
Read the report → May 2026Mortgage Application Outcomes by Bank
Analysis of 3.4 million mortgage applications from 2023 HMDA data. Compare recorded low-income application outcomes, income-based gaps, and public-data context by institution.
Read the report → May 2026Consumer Complaints: What Federal Data Reveals About Lenders
How CreditDoc uses 9.8 million CFPB consumer complaints to give you an independent picture of every lender's track record — complaint volume, response rates, enforcement actions, and what the numbers actually mean.
Read the report → March 2026State of Subprime Lending in America 2026
Analysis of 28,000+ consumer lending companies across 50 states. Examines credit access, payday lending regulations, poverty rates, and financial vulnerability state by state.
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