Important information
Legal disclaimer
Last updated: October 18, 2026
This page explains what the data can and cannot tell you, and the legal limits that apply when you use this site.
General information only
This site organizes public U.S. mortgage and interest-rate information to make the data easier to understand. It does not provide mortgage, financial, investment, legal, tax, real-estate, or rate-lock advice. Using the site does not create a lender-client, broker-client, attorney-client, fiduciary, or other professional relationship.
Not a bank quote or offer
Rates shown are national market indexes, averages of completed rate locks, official weekly averages, or market context. They are not live lender rate sheets, commitments, approvals, solicitations, or offers to lend. Your quote may differ based on credit, down payment, loan amount, property, location, points, fees, lock period, and lender pricing.
Public data is not real-time
The site displays the latest observation currently published by each source, not a live intraday bank quote. Each value keeps its observation date and status. A site check time only says when this site checked the source; it does not mean the observation was created at that moment. Weekends, holidays, publication delays, and source outages can leave an earlier date in place.
Data may be revised, delayed, or incomplete
The site checks formats, dates, ranges, duplicate observations, and missing values, but original publishers may revise, pause, or withdraw data. Transmission, caching, software, display, or editorial errors may also occur. If records conflict, the original publisher's official record and your lender's written documents control.
Calculators are estimates
Payment and refinance calculators use the inputs and assumptions shown on the page. Results may omit daily interest, escrow changes, taxes, insurance, PMI, HOA, closing costs, prepayment terms, and lender-specific rules. They do not replace a Loan Estimate, Closing Disclosure, or other official document.
No warranties
To the fullest extent permitted by law, the site and all content are provided “as is” and “as available,” without express or implied warranties of accuracy, completeness, timeliness, continuous availability, error-free operation, merchantability, fitness for a particular purpose, or non-infringement. The site is maintained in good faith, but uninterrupted access to the site, sources, or third-party services cannot be guaranteed.
Limitation of liability
To the fullest extent permitted by law, the site operator is not liable for direct, indirect, incidental, special, consequential, exemplary, or punitive damages, or loss of profit, opportunity, data, or transaction, arising from use of, inability to use, or reliance on the site, calculations, third-party data, links, or ads. This does not exclude liability or consumer rights that cannot legally be excluded. Some states do not allow certain limitations, so all limitations may not apply to you.
Third-party rights and no endorsement
Optimal Blue, ICE, FRED, the Federal Reserve, Freddie Mac, and other names, data, and marks belong to their respective owners. The site cites and attributes sources as shown, does not claim ownership of third-party data, and does not imply sponsorship, approval, or endorsement by a publisher, government agency, lender, or advertiser. Third-party data remains subject to its own terms.
AI-generated rate explainer
The daily explainer page, the explainer card in the app, and the reason lines in push notifications are generated automatically by artificial intelligence (Anthropic's Claude, accessed through Vercel AI Gateway) from public news and market data, without line-by-line human review before publication. AI can misread, omit, or oversimplify news and can cite sources that are wrong or out of date; the site automatically compares rate figures against published data but does not guarantee that the content is accurate, complete, or timely. Explanations describe market moves that already happened. They are not rate forecasts, quotes, offers, or advice of any kind, and they do not represent the views of the cited publications, institutions, or Anthropic. If an explanation conflicts with an original source, the original source controls.
Interactive features and personal estimates
"Your call" guesses are for entertainment only and involve no money, prizes, or transactions; results and streaks do not indicate any forecasting ability. Extra-payment, payment, refinance break-even, and PMI figures are mathematical estimates based on the numbers you enter and the assumptions shown, and they stay on your device. Your lender's statements and formal documents control the actual amounts. Ask your loan servicer whether and how an extra payment is applied to principal.
Ads and external links
Third-party advertisers and external websites are responsible for their own content. An ad is not this site's recommendation of a lender, broker, product, or rate, and an advertised quote is not site data. Review the provider's fees, eligibility rules, privacy policy, and terms before using an external service.
Verify before an important decision
Before applying, comparing APRs, purchasing points, submitting documents, or locking a rate, confirm the latest written quote, fees, deadlines, and eligibility with a licensed mortgage professional and the relevant provider. Do not rely on a single number from this site for a time-sensitive or financially significant decision.
Data attribution and source terms
The source pages below provide the authoritative series notes, release schedules, revisions, attribution, and use terms.
Also read theterms of useanddata methodology.