{
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    "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.",
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  "scenario": {
    "credit": 740,
    "ltv": 80,
    "occupancy": "primary",
    "property": "single-family",
    "lock_days": 30
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  "count": 68,
  "records": [
    {
      "lender": "Veterans United",
      "product": "va-15",
      "product_label": "15yr Fixed \u00b7 VA",
      "rate": 5.875,
      "apr": 6.656,
      "points": 1.938,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Veterans United published rates \u2014 monitored 2026-10-13T06:10:01Z",
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      "citation": "Veterans United \u2014 15yr Fixed \u00b7 VA 5.875% (APR 6.656%), Veterans United published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:b98ac6e5c"
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    {
      "lender": "Christian Community CU",
      "product": "arm-5",
      "product_label": "5-yr ARM",
      "rate": 6.25,
      "apr": 6.319,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:2c7c2ab7afd9ec61e75b302834f5e99adb12d4fd694bdf661eebd19be49fb26c",
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      "citation": "Christian Community CU \u2014 5-yr ARM 6.250% (APR 6.319%), Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:2c7c2ab7a"
    },
    {
      "lender": "Christian Community CU",
      "product": "conforming-10",
      "product_label": "10yr Fixed \u00b7 Conforming",
      "rate": 6.25,
      "apr": 6.411,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:9b21bce15c75787aa91131a44dbef6a052ad183f4ac3c0bc0ab192ad3296952b",
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      "citation": "Christian Community CU \u2014 10yr Fixed \u00b7 Conforming 6.250% (APR 6.411%), Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:9b21bce15"
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    {
      "lender": "Ent",
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      "rate": 6.25,
      "apr": 7.701,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Ent published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:d206f884889dcd38e502986257703427bc805fd0e25528231d75f7cc58ebda88",
      "stage": "LIVE",
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      "vintage": null,
      "citation": "Ent \u2014 15yr Fixed \u00b7 FHA 6.250% (APR 7.701%), Ent published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:d206f8848"
    },
    {
      "lender": "Ent",
      "product": "va-15",
      "product_label": "15yr Fixed \u00b7 VA",
      "rate": 6.25,
      "apr": 6.682,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Ent published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:e91bcef570898d507c5315eb1dc20b8176dd1dc5dbc3904acc4b95b48f2d1002",
      "stage": "LIVE",
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      "vintage": null,
      "citation": "Ent \u2014 15yr Fixed \u00b7 VA 6.250% (APR 6.682%), Ent published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:e91bcef57"
    },
    {
      "lender": "Navy Federal",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 6.25,
      "apr": 6.961,
      "points": 0.5,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Navy Federal published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:dfede33ba042b5c1a2b7af2eaff0880b6c6ebd1f41698165c522e7eaef44d13b",
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      "citation": "Navy Federal \u2014 15yr Fixed \u00b7 Conforming 6.250% (APR 6.961%), Navy Federal published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:dfede33ba"
    },
    {
      "lender": "Christian Community CU",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 6.375,
      "apr": 6.489,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:990b2bebd7bb5e41b94ab913c5a809c3193b570f376c46cdab10f8216fab5aaa",
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      "citation": "Christian Community CU \u2014 15yr Fixed \u00b7 Conforming 6.375% (APR 6.489%), Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:990b2bebd"
    },
    {
      "lender": "DATCU",
      "product": "conforming-10",
      "product_label": "10yr Fixed \u00b7 Conforming",
      "rate": 6.375,
      "apr": 6.839,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "DATCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:68a0b558a75595323d6fcc23d817dffa086789a083a85aa88ba423c0ceb37a4f",
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      "citation": "DATCU \u2014 10yr Fixed \u00b7 Conforming 6.375% (APR 6.839%), DATCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:68a0b558a"
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    {
      "lender": "DATCU",
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      "rate": 6.375,
      "apr": 6.704,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "DATCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:85915d7599c79494b607f19cec65ad32f2f270b5b3972f763fc3f589ae99e1c7",
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      "vintage": null,
      "citation": "DATCU \u2014 15yr Fixed \u00b7 Conforming 6.375% (APR 6.704%), DATCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:85915d759"
    },
    {
      "lender": "Alliant",
      "product": "arm-5",
      "product_label": "5-yr ARM",
      "rate": 6.5,
      "apr": 6.513,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Alliant published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:185b5e3598564d12c00c0a93c56b271b34443008a66d1d608b2d389ddb3c1eb2",
      "stage": "LIVE",
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      "vintage": null,
      "citation": "Alliant \u2014 5-yr ARM 6.500% (APR 6.513%), Alliant published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:185b5e359"
    },
    {
      "lender": "Christian Community CU",
      "product": "arm-7",
      "product_label": "7-yr ARM",
      "rate": 6.5,
      "apr": 6.57,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:29021d7fb00a5190c9a13abacf4f4cd9205f6ae18c36910a0c7ebd02dca8323d",
      "stage": "LIVE",
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      "vintage": null,
      "citation": "Christian Community CU \u2014 7-yr ARM 6.500% (APR 6.570%), Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:29021d7fb"
    },
    {
      "lender": "Illinois State CU",
      "product": "conforming-10",
      "product_label": "10yr Fixed \u00b7 Conforming",
      "rate": 6.5,
      "apr": 6.701,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Illinois State CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:8b07b64557e0985c1102061b9a57cb622920e7b28c01c74373de1cfa0bd0b91b",
      "stage": "LIVE",
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      "vintage": null,
      "citation": "Illinois State CU \u2014 10yr Fixed \u00b7 Conforming 6.500% (APR 6.701%), Illinois State CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:8b07b6455"
    },
    {
      "lender": "Milford Federal",
      "product": "conforming-10",
      "product_label": "10yr Fixed \u00b7 Conforming",
      "rate": 6.5,
      "apr": 6.73,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Milford Federal published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:b378cd67626dc3bc9729e9bacaaef1b8a240fdd74ff7dbfc166168c71064c435",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Milford Federal \u2014 10yr Fixed \u00b7 Conforming 6.500% (APR 6.730%), Milford Federal published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:b378cd676"
    },
    {
      "lender": "Milford Federal",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 6.5,
      "apr": 6.66,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Milford Federal published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:f74038075882a950f81df391493d4f1f7137a2a34e371377bf960c2540ae941f",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Milford Federal \u2014 15yr Fixed \u00b7 Conforming 6.500% (APR 6.660%), Milford Federal published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:f74038075"
    },
    {
      "lender": "SchoolsFirst FCU",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 6.5,
      "apr": 7.26,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "SchoolsFirst FCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:9a7017d5e84cb016827f319ebebb15cbae9c5dfa3ab1be49125ad96751d10e06",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "SchoolsFirst FCU \u2014 15yr Fixed \u00b7 Conforming 6.500% (APR 7.260%), SchoolsFirst FCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:9a7017d5e"
    },
    {
      "lender": "Alliant",
      "product": "arm-7",
      "product_label": "7-yr ARM",
      "rate": 6.625,
      "apr": 6.578,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Alliant published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:a8c0960a8deead21dd3bd5c552bb7282a8a639b0d5d8a4ca16daece29f7a9061",
      "stage": "LIVE",
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      "vintage": null,
      "citation": "Alliant \u2014 7-yr ARM 6.625% (APR 6.578%), Alliant published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:a8c0960a8"
    },
    {
      "lender": "Christian Community CU",
      "product": "arm-10",
      "product_label": "10-yr ARM",
      "rate": 6.625,
      "apr": 6.695,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:331f11cb874c519aa44a54e5728a8ece583a59c1b29020c4b359c2e38bacae77",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Christian Community CU \u2014 10-yr ARM 6.625% (APR 6.695%), Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:331f11cb8"
    },
    {
      "lender": "Ent",
      "product": "jumbo-15",
      "product_label": "15yr Fixed \u00b7 Jumbo",
      "rate": 6.625,
      "apr": 6.689,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Ent published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:b8afb5652e6b4b99b31c4a91081807823c0d9455020579b57571d26111b580e9",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 15yr Fixed \u00b7 Jumbo 6.625% (APR 6.689%), Ent published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:b8afb5652"
    },
    {
      "lender": "Illinois State CU",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 6.625,
      "apr": 6.768,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Illinois State CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:272e357a37b8a83add22a454a60c325e06c63f5a6e6685fdd74c23efface329d",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Illinois State CU \u2014 15yr Fixed \u00b7 Conforming 6.625% (APR 6.768%), Illinois State CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:272e357a3"
    },
    {
      "lender": "Navy Federal",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 6.625,
      "apr": 7.098,
      "points": 0.75,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Navy Federal published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:7cdd93b6a257c19e0f75e83f46f6c82f9ff96e8d2fe81a7e319c123e8879be32",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Navy Federal \u2014 30yr Fixed \u00b7 Conforming 6.625% (APR 7.098%), Navy Federal published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:7cdd93b6a"
    },
    {
      "lender": "Alliant",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 6.75,
      "apr": 6.798,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Alliant published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:4e7b9ee73621f0b05b0e8de8b1929ea324adf757cfea962e8abf1e222df5bfd8",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Alliant \u2014 15yr Fixed \u00b7 Conforming 6.750% (APR 6.798%), Alliant published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:4e7b9ee73"
    },
    {
      "lender": "Christian Community CU",
      "product": "conforming-20",
      "product_label": "20yr Fixed \u00b7 Conforming",
      "rate": 6.75,
      "apr": 6.843,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:65381fa1a073e042fea842d66d5225f742ac27514f729790018edba8ac655bbc",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Christian Community CU \u2014 20yr Fixed \u00b7 Conforming 6.750% (APR 6.843%), Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:65381fa1a"
    },
    {
      "lender": "Ent",
      "product": "conforming-10",
      "product_label": "10yr Fixed \u00b7 Conforming",
      "rate": 6.75,
      "apr": 6.895,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Ent published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:b7227378a81d695b9c7ce84777371e4f1ed311948491d59b73b6db61e1bbbe4a",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 10yr Fixed \u00b7 Conforming 6.750% (APR 6.895%), Ent published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:b7227378a"
    },
    {
      "lender": "Ent",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 6.75,
      "apr": 6.854,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Ent published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:960357ddec5b3eb456604e5f53a35be0c1ac43033bb4fff1287634e7708c12a4",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 15yr Fixed \u00b7 Conforming 6.750% (APR 6.854%), Ent published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:960357dde"
    },
    {
      "lender": "Ent",
      "product": "fha-30",
      "product_label": "30yr Fixed \u00b7 FHA",
      "rate": 6.75,
      "apr": 8.053,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Ent published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:13375130c855a5850bdcc19c09c009db5e2f0419078dc2a149dd2b96b1bec333",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 30yr Fixed \u00b7 FHA 6.750% (APR 8.053%), Ent published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:13375130c"
    },
    {
      "lender": "Ent",
      "product": "va-30",
      "product_label": "30yr Fixed \u00b7 VA",
      "rate": 6.75,
      "apr": 7.02,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Ent published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:78347767ea7c3b9d102fa00b1c4ace30c9d8481acd6721d6684c030ffca923dc",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 30yr Fixed \u00b7 VA 6.750% (APR 7.020%), Ent published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:78347767e"
    },
    {
      "lender": "Milford Federal",
      "product": "conforming-20",
      "product_label": "20yr Fixed \u00b7 Conforming",
      "rate": 6.75,
      "apr": 6.88,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Milford Federal published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:01d1ebc2cf2f6c0980a7fffd1490a14118d634a558607e9eefc6da7b1d6a02d9",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Milford Federal \u2014 20yr Fixed \u00b7 Conforming 6.750% (APR 6.880%), Milford Federal published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:01d1ebc2c"
    },
    {
      "lender": "Veterans United",
      "product": "va-30",
      "product_label": "30yr Fixed \u00b7 VA",
      "rate": 6.75,
      "apr": 7.23,
      "points": 1.813,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Veterans United published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:834a470204dd9c7594434ff5fa153770fbde3b22ad46711864deed49d04dc83a",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Veterans United \u2014 30yr Fixed \u00b7 VA 6.750% (APR 7.230%), Veterans United published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:834a47020"
    },
    {
      "lender": "Alliant",
      "product": "arm-10",
      "product_label": "10-yr ARM",
      "rate": 6.875,
      "apr": 6.764,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Alliant published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:bc7a53bd942795b32a3b543e636097626ae293e69307633a4edc492a7afd1f41",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Alliant \u2014 10-yr ARM 6.875% (APR 6.764%), Alliant published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:bc7a53bd9"
    },
    {
      "lender": "Financial Resources FCU",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 6.875,
      "apr": 7.194,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:3a55f955d087efe9059b19cd17ccd17896dadba354c5c0770d269c38d619c37f",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Financial Resources FCU \u2014 15yr Fixed \u00b7 Conforming 6.875% (APR 7.194%), Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:3a55f955d"
    },
    {
      "lender": "Milford Federal",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 6.875,
      "apr": 6.98,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Milford Federal published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:069fad374d99803bd55d02d73579fdda6a4f5b6a802402200dc6ddc312693026",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Milford Federal \u2014 30yr Fixed \u00b7 Conforming 6.875% (APR 6.980%), Milford Federal published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:069fad374"
    },
    {
      "lender": "Milford Federal",
      "product": "jumbo-30",
      "product_label": "30yr Fixed \u00b7 Jumbo",
      "rate": 6.875,
      "apr": 6.98,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Milford Federal published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:c332a69a7eb4389314ee4ccf4488538cf0c23e0972e1448fefe4e1deb328e1ea",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Milford Federal \u2014 30yr Fixed \u00b7 Jumbo 6.875% (APR 6.980%), Milford Federal published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:c332a69a7"
    },
    {
      "lender": "Navy Federal",
      "product": "jumbo-15",
      "product_label": "15yr Fixed \u00b7 Jumbo",
      "rate": 6.875,
      "apr": 7.118,
      "points": 0.5,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Navy Federal published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:df925d498cbb74831df13776511ef459a3e111b1956199b2d9c9affd840d2b57",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Navy Federal \u2014 15yr Fixed \u00b7 Jumbo 6.875% (APR 7.118%), Navy Federal published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:df925d498"
    },
    {
      "lender": "Financial Resources FCU",
      "product": "arm-5",
      "product_label": "5-yr ARM",
      "rate": 7.0,
      "apr": 7.05,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:3c150fb08ecfbfb1186110cfc87866a3ae2eb88578371ad7981a6976531adbe8",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Financial Resources FCU \u2014 5-yr ARM 7.000% (APR 7.050%), Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:3c150fb08"
    },
    {
      "lender": "Financial Resources FCU",
      "product": "conforming-20",
      "product_label": "20yr Fixed \u00b7 Conforming",
      "rate": 7.0,
      "apr": 7.257,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:d66ac64ab0448ab753107aed99fc1c452480216d599ac97f87742176d18c7ae9",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Financial Resources FCU \u2014 20yr Fixed \u00b7 Conforming 7.000% (APR 7.257%), Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:d66ac64ab"
    },
    {
      "lender": "Tigers Community CU",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 7.0,
      "apr": 7.421,
      "points": 1.2,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Tigers Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:7d90a3cf36075e006b3b1daa1ab108d7ab51f2c227fd2de4c4a23546384c4396",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Tigers Community CU \u2014 15yr Fixed \u00b7 Conforming 7.000% (APR 7.421%), Tigers Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:7d90a3cf3"
    },
    {
      "lender": "Christian Community CU",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 7.125,
      "apr": 7.197,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:7d89c7b7ecd6e47310fc2d8f7ed0b01a28371b435a72bc360b6438076a342900",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Christian Community CU \u2014 30yr Fixed \u00b7 Conforming 7.125% (APR 7.197%), Christian Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:7d89c7b7e"
    },
    {
      "lender": "DATCU",
      "product": "conforming-20",
      "product_label": "20yr Fixed \u00b7 Conforming",
      "rate": 7.125,
      "apr": 7.4,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "DATCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:742ec37d4d8502bbc3ab9306538d402180d7f0a34dae61e73e7aeb14dadd5a44",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "DATCU \u2014 20yr Fixed \u00b7 Conforming 7.125% (APR 7.400%), DATCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:742ec37d4"
    },
    {
      "lender": "DATCU",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 7.125,
      "apr": 7.336,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "DATCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:ce401143c7ae84ebc74a1ea6b871596ec74272ba07bd32ff26eb8b4cfafe374f",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "DATCU \u2014 30yr Fixed \u00b7 Conforming 7.125% (APR 7.336%), DATCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:ce401143c"
    },
    {
      "lender": "DATCU",
      "product": "fha-15",
      "product_label": "15yr Fixed \u00b7 FHA",
      "rate": 7.125,
      "apr": 8.813,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "DATCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:5c563f8becf4170a64b6a247abe49909bbdf2f4dc0e1cc3cf68ed237e206838c",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "DATCU \u2014 15yr Fixed \u00b7 FHA 7.125% (APR 8.813%), DATCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:5c563f8be"
    },
    {
      "lender": "DATCU",
      "product": "fha-30",
      "product_label": "30yr Fixed \u00b7 FHA",
      "rate": 7.125,
      "apr": 8.598,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "DATCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:9b66c7e62fc91cfa361727815b16f2905cdabf8f5cf239cb36b8e53e4ed10bbe",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "DATCU \u2014 30yr Fixed \u00b7 FHA 7.125% (APR 8.598%), DATCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:9b66c7e62"
    },
    {
      "lender": "Ent",
      "product": "conforming-20",
      "product_label": "20yr Fixed \u00b7 Conforming",
      "rate": 7.125,
      "apr": 7.211,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Ent published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:92b7385ec6a9519d39167b76fcc709a38237d311f0faaf6d55b54e726b44e790",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 20yr Fixed \u00b7 Conforming 7.125% (APR 7.211%), Ent published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:92b7385ec"
    },
    {
      "lender": "Fidelity Bank",
      "product": "conforming-10",
      "product_label": "10yr Fixed \u00b7 Conforming",
      "rate": 7.125,
      "apr": 7.208,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:a75315be53ee5e341b421e86ca2877cedb3f930f638196faf3efb3c8c56e5767",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 10yr Fixed \u00b7 Conforming 7.125% (APR 7.208%), Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:a75315be5"
    },
    {
      "lender": "Fidelity Bank",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 7.125,
      "apr": 7.192,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:3a147632544c82931fa119df58b4969fbe9375dde34ec3a17a22604456fb62c2",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 15yr Fixed \u00b7 Conforming 7.125% (APR 7.192%), Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:3a1476325"
    },
    {
      "lender": "Fidelity Bank",
      "product": "jumbo-15",
      "product_label": "15yr Fixed \u00b7 Jumbo",
      "rate": 7.125,
      "apr": 7.192,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:e5f5799550f03a64633f6f26bf244c6d06ac34f87f449e170930e258ecd284c3",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 15yr Fixed \u00b7 Jumbo 7.125% (APR 7.192%), Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:e5f579955"
    },
    {
      "lender": "Tigers Community CU",
      "product": "fha-30",
      "product_label": "30yr Fixed \u00b7 FHA",
      "rate": 7.125,
      "apr": 8.227,
      "points": 0.75,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Tigers Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:de1b900dd5f051ff3bc1d89afc5f80e8073f042cdd4755b80863e2e52994569a",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Tigers Community CU \u2014 30yr Fixed \u00b7 FHA 7.125% (APR 8.227%), Tigers Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:de1b900dd"
    },
    {
      "lender": "Financial Resources FCU",
      "product": "arm-7",
      "product_label": "7-yr ARM",
      "rate": 7.25,
      "apr": 7.3,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:8f16148f7f666a97d347f59389880f2eba10501202ef3b2b7f7a3f410b883037",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Financial Resources FCU \u2014 7-yr ARM 7.250% (APR 7.300%), Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:8f16148f7"
    },
    {
      "lender": "Financial Resources FCU",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 7.25,
      "apr": 7.45,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:27a7eb4ec46b3157d65381740d1faf0a5631f78ed8dc0c33d3fb9043f0b1ae34",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Financial Resources FCU \u2014 30yr Fixed \u00b7 Conforming 7.250% (APR 7.450%), Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:27a7eb4ec"
    },
    {
      "lender": "Financial Resources FCU",
      "product": "jumbo-15",
      "product_label": "15yr Fixed \u00b7 Jumbo",
      "rate": 7.25,
      "apr": 7.333,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:c7acfe55b982ecb93a2a8007e7117ab1c982da422ddec1903d27648509965878",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Financial Resources FCU \u2014 15yr Fixed \u00b7 Jumbo 7.250% (APR 7.333%), Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:c7acfe55b"
    },
    {
      "lender": "Illinois State CU",
      "product": "conforming-20",
      "product_label": "20yr Fixed \u00b7 Conforming",
      "rate": 7.25,
      "apr": 7.371,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Illinois State CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:0cd8378b081d9f37950188d5efb079e28b772d3df0a9065d894569c387658591",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Illinois State CU \u2014 20yr Fixed \u00b7 Conforming 7.250% (APR 7.371%), Illinois State CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:0cd8378b0"
    },
    {
      "lender": "Navy Federal",
      "product": "jumbo-30",
      "product_label": "30yr Fixed \u00b7 Jumbo",
      "rate": 7.25,
      "apr": 7.441,
      "points": 0.875,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Navy Federal published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:141bdc5e710c1c74e58c891b10468fd6f4b0af7fbd5e77db3bdb560bcbe49c4b",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Navy Federal \u2014 30yr Fixed \u00b7 Jumbo 7.250% (APR 7.441%), Navy Federal published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:141bdc5e7"
    },
    {
      "lender": "Tigers Community CU",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 7.25,
      "apr": 7.554,
      "points": 0.78,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Tigers Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:7aee9ab04ffd94270b3b621e874dbb0c4f9b0fbba14da72ab868c1507c465762",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Tigers Community CU \u2014 30yr Fixed \u00b7 Conforming 7.250% (APR 7.554%), Tigers Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:7aee9ab04"
    },
    {
      "lender": "Ent",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 7.375,
      "apr": 7.443,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Ent published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:b047ac73e48e6b381e861bfb18e805ad1b42d0863e55777bb2e688e1a12efedc",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 30yr Fixed \u00b7 Conforming 7.375% (APR 7.443%), Ent published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:b047ac73e"
    },
    {
      "lender": "Ent",
      "product": "jumbo-30",
      "product_label": "30yr Fixed \u00b7 Jumbo",
      "rate": 7.375,
      "apr": 7.419,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Ent published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:27c13e619d9ec14dfd74eca7f26ce4896142b60b5d02ad23bd13184452d34b26",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 30yr Fixed \u00b7 Jumbo 7.375% (APR 7.419%), Ent published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:27c13e619"
    },
    {
      "lender": "Fidelity Bank",
      "product": "arm-7",
      "product_label": "7-yr ARM",
      "rate": 7.375,
      "apr": 7.46,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:290fea6e5a99101bd86142a5567508e5afcbcb43e7cd3848ae613b009780e576",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 7-yr ARM 7.375% (APR 7.460%), Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:290fea6e5"
    },
    {
      "lender": "Fidelity Bank",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 7.375,
      "apr": 7.398,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:00ac6739b4e97e3ca516765b1a146e446bc425d65e0fe31dbe4926e4a852cd42",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 30yr Fixed \u00b7 Conforming 7.375% (APR 7.398%), Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:00ac6739b"
    },
    {
      "lender": "Financial Resources FCU",
      "product": "arm-10",
      "product_label": "10-yr ARM",
      "rate": 7.375,
      "apr": 7.426,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:79c63a94352d57ce52240d849816de479c051807aa977659e3efca4fc59cb2c6",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Financial Resources FCU \u2014 10-yr ARM 7.375% (APR 7.426%), Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:79c63a943"
    },
    {
      "lender": "Illinois State CU",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 7.375,
      "apr": 7.47,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Illinois State CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:88ac3871bf6ed0c2c92689d002d31f7b6d69f0a10fb9f125d0b731e84721e759",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Illinois State CU \u2014 30yr Fixed \u00b7 Conforming 7.375% (APR 7.470%), Illinois State CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:88ac3871b"
    },
    {
      "lender": "SchoolsFirst FCU",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 7.375,
      "apr": 8.16,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "SchoolsFirst FCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:3477c83525ad04ef8b7c709113e1325e944967cc6c6a2bf710d9e2fb9969ed12",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "SchoolsFirst FCU \u2014 30yr Fixed \u00b7 Conforming 7.375% (APR 8.160%), SchoolsFirst FCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:3477c8352"
    },
    {
      "lender": "Tigers Community CU",
      "product": "arm-5",
      "product_label": "5-yr ARM",
      "rate": 7.375,
      "apr": 7.628,
      "points": 1.625,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Tigers Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:a5283960c14dc059d20899a2db3dc220f4b34feac8033bf338691c2a43169e1c",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Tigers Community CU \u2014 5-yr ARM 7.375% (APR 7.628%), Tigers Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:a5283960c"
    },
    {
      "lender": "Alliant",
      "product": "conforming-20",
      "product_label": "20yr Fixed \u00b7 Conforming",
      "rate": 7.5,
      "apr": 7.54,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Alliant published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:aa6623ed717b8a3b6781d2ddbef172883c860db2bd962427f3517b2d75ae69c4",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Alliant \u2014 20yr Fixed \u00b7 Conforming 7.500% (APR 7.540%), Alliant published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:aa6623ed7"
    },
    {
      "lender": "Alliant",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 7.5,
      "apr": 7.531,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Alliant published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:19e3f913a1fcf1f50e3ceceb40d7c50a7bae64f01da4bf5ecb0f912c51173863",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Alliant \u2014 30yr Fixed \u00b7 Conforming 7.500% (APR 7.531%), Alliant published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:19e3f913a"
    },
    {
      "lender": "Fidelity Bank",
      "product": "arm-10",
      "product_label": "10-yr ARM",
      "rate": 7.5,
      "apr": 7.62,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:778be90620776de7b7bc37fc1081d91c1c42ef89b3fba116ea690956a52f80fd",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 10-yr ARM 7.500% (APR 7.620%), Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:778be9062"
    },
    {
      "lender": "Fidelity Bank",
      "product": "conforming-20",
      "product_label": "20yr Fixed \u00b7 Conforming",
      "rate": 7.5,
      "apr": 7.548,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:24d43a807879ec6212706b9b491de71608eb071872e873d17bd267e681ec6efc",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 20yr Fixed \u00b7 Conforming 7.500% (APR 7.548%), Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:24d43a807"
    },
    {
      "lender": "Tigers Community CU",
      "product": "conforming-20",
      "product_label": "20yr Fixed \u00b7 Conforming",
      "rate": 7.5,
      "apr": 7.847,
      "points": 1.19,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Tigers Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:d6ba8a8c1dc9a7d8ac1a238ba2e4b18a77f40f682cc405e8d6c40fd028d76ad2",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Tigers Community CU \u2014 20yr Fixed \u00b7 Conforming 7.500% (APR 7.847%), Tigers Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:d6ba8a8c1"
    },
    {
      "lender": "Fidelity Bank",
      "product": "jumbo-30",
      "product_label": "30yr Fixed \u00b7 Jumbo",
      "rate": 7.625,
      "apr": 7.648,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:3bca9457053a5f325d33a53dfab4115cdf8ecddcb8c59426fbb33e1ccdcc4064",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 30yr Fixed \u00b7 Jumbo 7.625% (APR 7.648%), Fidelity Bank published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:3bca94570"
    },
    {
      "lender": "Tigers Community CU",
      "product": "va-30",
      "product_label": "30yr Fixed \u00b7 VA",
      "rate": 7.625,
      "apr": 8.194,
      "points": 0.5,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Tigers Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:b2518612d1dd886304904605dcbeb9e4fa83e8e0d55d8fdc1d44f6b397381989",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Tigers Community CU \u2014 30yr Fixed \u00b7 VA 7.625% (APR 8.194%), Tigers Community CU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:b2518612d"
    },
    {
      "lender": "Financial Resources FCU",
      "product": "jumbo-30",
      "product_label": "30yr Fixed \u00b7 Jumbo",
      "rate": 7.75,
      "apr": 7.803,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-10-13T06:10:01Z",
      "source": "Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z",
      "source_hash": "sha256:c0878e3a0c036e011da71c380c004c9ea54dc8e9fbe810965dcc17d29fd29ecf",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Financial Resources FCU \u2014 30yr Fixed \u00b7 Jumbo 7.750% (APR 7.803%), Financial Resources FCU published rates \u2014 monitored 2026-10-13T06:10:01Z, 2026-10-13T06:10:01Z [LIVE] \u00b7 sha256:c0878e3a0"
    }
  ]
}