Checking today's mortgage rates
If the public data feed is slow, the page will show the most recent saved data and make the date clear.
Transparency
Accuracy means more than copying a number. Readers should be able to see where it came from, which date it represents, and when it may be delayed.
Locked-rate averages come from Optimal Blue indices published by FRED. Weekly averages come from Freddie Mac PMMS. The 10-year Treasury comes from Federal Reserve H.15 data published by FRED.
Publishers update at different times. The site separates the page-check time from the observation date and never labels an older observation as a new same-day quote.
Weekends, holidays, and blank observations are skipped rather than interpreted as 0%. A change is calculated only against the prior valid value from the same series.
Page visits check within a 15-minute cache window. A weekday refresh is also scheduled in the Eastern morning. The hosting platform may run a scheduled task later within its assigned hour, so the displayed check time is the reliable timestamp.
If a public feed cannot be read, the page labels the value as a recent saved observation and keeps its original observation date. A failed fetch is never described as a newly published source value.
This site organizes data. If a displayed value conflicts with FRED, Freddie Mac, ICE, or the Federal Reserve, the original publisher's official record controls.
The source was read successfully and its latest observation falls within the series' normal publication cycle.
The source is available, but its latest date is older than the normal publication interval. The site keeps the date and does not guess a new value.
The public source could not be read on this check, so the page shows the last available record with its original date.
Software handles retrieval, date comparisons, and change calculations. It uses valid observations already published by the source and does not predict, fill, or generate a mortgage rate missing from that source. Retrieval checks date formats, duplicate dates, sorting, missing values, future dates, and clearly unreasonable value ranges.
Editorial copy explains what each dataset can and cannot represent and why a personal quote may differ. It is not changed to favor an advertiser or lender.
If FRED or an original publisher revises history, a later refresh reads the available record. The page keeps the observation date and does not present a correction as a newly issued rate for today.
Advertising systems do not select, calculate, or interpret the data. Rates, lender names, and promotions shown in an ad are advertiser content and are not inserted into this site's market tables.