{
  "meta": {
    "stage": "LIVE",
    "synthetic": false,
    "as_of": "2026-08-12",
    "disclaimer": "Per-product market rates are REAL \u2014 Optimal Blue OBMMI (daily, lock-based, via FRED), for information only, not live quotes or offers and not attributable to any named lender. Lender-level rows are real published rate sheets, monitored politely; coverage is thin and shown honestly (absence, never filler). RallyRates takes no money from lenders for placement; ranking is lowest-rate-first and cannot read who pays. Not for use in any lending decision.",
    "posture": {
      "no_lender_money": true,
      "report_not_route": true,
      "note": "RallyRates reports lender names + rates + provenance. It does not link out to lender application portals and takes no compensation from the lenders it rates."
    },
    "license": "https://rallyrates.com/license.html",
    "generator": "rallyrates/gen/generate.py"
  },
  "name": "RallyRates Index",
  "as_of": "2026-10-09",
  "methodology": "Per-product market rate = Optimal Blue OBMMI (daily, lock-based, via FRED). Lender panel = real published rate sheets, monitored politely (report-not-route). Par-only: only zero-point quotes enter the average \u2014 rates bought down with discount points are excluded so the benchmark stays apples-to-apples. Coverage is thin by design; thinness shows as absence, never filler.",
  "scenario": {
    "credit": 740,
    "ltv": 80,
    "occupancy": "primary",
    "property": "single-family",
    "lock_days": 30
  },
  "headline": {
    "label": "30-Yr Fixed \u00b7 Conforming (Optimal Blue OBMMI)",
    "average_rate": 7.424,
    "n": 16,
    "market_source": "OBMMI",
    "market_as_of": "2026-10-08",
    "citation": "RallyRates Index \u2014 30yr fixed conforming market rate 7.424% (Optimal Blue OBMMI, 2026-10-08); 16 sourced lender(s)",
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  },
  "coverage": {
    "lenders": 12,
    "series": 68,
    "products": 13,
    "point_bought_excluded": 12
  },
  "by_product": [
    {
      "product": "conforming-30",
      "label": "30yr Fixed \u00b7 Conforming",
      "n": 9,
      "average_rate": 7.264,
      "average_apr": 7.441,
      "low": 6.875,
      "high": 7.5,
      "contributing": [
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      ],
      "market_rate": 7.424,
      "market_source": "OBMMI",
      "market_as_of": "2026-10-08",
      "rate": 7.424,
      "citation": "RallyRates \u2014 30yr Fixed \u00b7 Conforming market rate 7.424% (Optimal Blue OBMMI, 2026-10-08); 9 sourced lender(s)"
    },
    {
      "product": "conforming-20",
      "label": "20yr Fixed \u00b7 Conforming",
      "n": 8,
      "average_rate": 7.125,
      "average_apr": 7.256,
      "low": 6.75,
      "high": 7.5,
      "contributing": [
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      "market_rate": null,
      "market_source": null,
      "market_as_of": null,
      "rate": 7.125,
      "citation": "RallyRates \u2014 20yr Fixed \u00b7 Conforming sourced-lender avg 7.125% across 8 lender(s), 2026-08-12"
    },
    {
      "product": "conforming-15",
      "label": "15yr Fixed \u00b7 Conforming",
      "n": 9,
      "average_rate": 6.653,
      "average_apr": 6.88,
      "low": 6.375,
      "high": 7.125,
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        "sha256:960357dde",
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      ],
      "market_rate": 6.735,
      "market_source": "OBMMI",
      "market_as_of": "2026-10-08",
      "rate": 6.735,
      "citation": "RallyRates \u2014 15yr Fixed \u00b7 Conforming market rate 6.735% (Optimal Blue OBMMI, 2026-10-08); 9 sourced lender(s)"
    },
    {
      "product": "conforming-10",
      "label": "10yr Fixed \u00b7 Conforming",
      "n": 6,
      "average_rate": 6.583,
      "average_apr": 6.797,
      "low": 6.25,
      "high": 7.125,
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      "market_rate": null,
      "market_source": null,
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      "rate": 6.583,
      "citation": "RallyRates \u2014 10yr Fixed \u00b7 Conforming sourced-lender avg 6.583% across 6 lender(s), 2026-08-12"
    },
    {
      "product": "jumbo-30",
      "label": "30yr Fixed \u00b7 Jumbo",
      "n": 4,
      "average_rate": 7.406,
      "average_apr": 7.463,
      "low": 6.875,
      "high": 7.75,
      "contributing": [
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      "market_rate": 7.374,
      "market_source": "OBMMI",
      "market_as_of": "2026-10-08",
      "rate": 7.374,
      "citation": "RallyRates \u2014 30yr Fixed \u00b7 Jumbo market rate 7.374% (Optimal Blue OBMMI, 2026-10-08); 4 sourced lender(s)"
    },
    {
      "product": "jumbo-15",
      "label": "15yr Fixed \u00b7 Jumbo",
      "n": 3,
      "average_rate": 7.0,
      "average_apr": 7.071,
      "low": 6.625,
      "high": 7.25,
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      "market_rate": null,
      "market_source": null,
      "market_as_of": null,
      "rate": 7.0,
      "citation": "RallyRates \u2014 15yr Fixed \u00b7 Jumbo sourced-lender avg 7.000% across 3 lender(s), 2026-08-12"
    },
    {
      "product": "fha-30",
      "label": "30yr Fixed \u00b7 FHA",
      "n": 2,
      "average_rate": 6.938,
      "average_apr": 8.326,
      "low": 6.75,
      "high": 7.125,
      "contributing": [
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      "market_rate": 7.176,
      "market_source": "OBMMI",
      "market_as_of": "2026-10-08",
      "rate": 7.176,
      "citation": "RallyRates \u2014 30yr Fixed \u00b7 FHA market rate 7.176% (Optimal Blue OBMMI, 2026-10-08); 2 sourced lender(s)"
    },
    {
      "product": "fha-15",
      "label": "15yr Fixed \u00b7 FHA",
      "n": 2,
      "average_rate": 6.688,
      "average_apr": 8.257,
      "low": 6.25,
      "high": 7.125,
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      "market_rate": null,
      "market_source": null,
      "market_as_of": null,
      "rate": 6.688,
      "citation": "RallyRates \u2014 15yr Fixed \u00b7 FHA sourced-lender avg 6.688% across 2 lender(s), 2026-08-12"
    },
    {
      "product": "va-30",
      "label": "30yr Fixed \u00b7 VA",
      "n": 1,
      "average_rate": 6.75,
      "average_apr": 7.02,
      "low": 6.75,
      "high": 6.75,
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      "market_rate": 7.088,
      "market_source": "OBMMI",
      "market_as_of": "2026-10-08",
      "rate": 7.088,
      "citation": "RallyRates \u2014 30yr Fixed \u00b7 VA market rate 7.088% (Optimal Blue OBMMI, 2026-10-08); 1 sourced lender(s)"
    },
    {
      "product": "va-15",
      "label": "15yr Fixed \u00b7 VA",
      "n": 1,
      "average_rate": 6.25,
      "average_apr": 6.682,
      "low": 6.25,
      "high": 6.25,
      "contributing": [
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      "market_rate": null,
      "market_source": null,
      "market_as_of": null,
      "rate": 6.25,
      "citation": "RallyRates \u2014 15yr Fixed \u00b7 VA sourced-lender avg 6.250% across 1 lender(s), 2026-08-12"
    },
    {
      "product": "arm-5",
      "label": "5-yr ARM",
      "n": 3,
      "average_rate": 6.583,
      "average_apr": 6.627,
      "low": 6.25,
      "high": 7.0,
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      "rate": 6.583,
      "citation": "RallyRates \u2014 5-yr ARM sourced-lender avg 6.583% across 3 lender(s), 2026-08-12"
    },
    {
      "product": "arm-7",
      "label": "7-yr ARM",
      "n": 4,
      "average_rate": 6.938,
      "average_apr": 6.977,
      "low": 6.5,
      "high": 7.375,
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      "market_source": null,
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      "rate": 6.938,
      "citation": "RallyRates \u2014 7-yr ARM sourced-lender avg 6.938% across 4 lender(s), 2026-08-12"
    },
    {
      "product": "arm-10",
      "label": "10-yr ARM",
      "n": 4,
      "average_rate": 7.094,
      "average_apr": 7.126,
      "low": 6.625,
      "high": 7.5,
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      "market_rate": null,
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      "rate": 7.094,
      "citation": "RallyRates \u2014 10-yr ARM sourced-lender avg 7.094% across 4 lender(s), 2026-08-12"
    }
  ]
}