{
  "meta": {
    "stage": "LIVE",
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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.",
    "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",
    "generator": "rallyrates/gen/generate.py"
  },
  "scenario": {
    "credit": 740,
    "ltv": 80,
    "occupancy": "primary",
    "property": "single-family",
    "lock_days": 30
  },
  "count": 37,
  "records": [
    {
      "lender": "Navy Federal",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 5.375,
      "apr": 6.068,
      "points": 0.5,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Navy Federal published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:6f2ca66b0c7e1ec764a0cd50f5624511f9725c04b9c17116bc03e2a33f47aadb",
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      "vintage": null,
      "citation": "Navy Federal \u2014 15yr Fixed \u00b7 Conforming 5.375% (APR 6.068%), Navy Federal published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:6f2ca66b0"
    },
    {
      "lender": "Veterans United",
      "product": "va-15",
      "product_label": "15yr Fixed \u00b7 VA",
      "rate": 5.375,
      "apr": 6.126,
      "points": 1.813,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Veterans United published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:c632e81fb4706f905b9f6fc3bb8822b5f95af1c11920d1887870484d9e7edcf3",
      "stage": "LIVE",
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      "vintage": null,
      "citation": "Veterans United \u2014 15yr Fixed \u00b7 VA 5.375% (APR 6.126%), Veterans United published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:c632e81fb"
    },
    {
      "lender": "Ent",
      "product": "fha-15",
      "product_label": "15yr Fixed \u00b7 FHA",
      "rate": 5.5,
      "apr": 6.964,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Ent published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:d5fa422a2be795797e5953c6efa82c15db117433e7430a45e08afd50422a0830",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 15yr Fixed \u00b7 FHA 5.500% (APR 6.964%), Ent published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:d5fa422a2"
    },
    {
      "lender": "Ent",
      "product": "va-15",
      "product_label": "15yr Fixed \u00b7 VA",
      "rate": 5.5,
      "apr": 5.918,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Ent published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:9083061dda7b80ff37aaef378df976f55b6121f54f11fa8d9743b52276939cef",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 15yr Fixed \u00b7 VA 5.500% (APR 5.918%), Ent published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:9083061dd"
    },
    {
      "lender": "Milford Federal",
      "product": "conforming-10",
      "product_label": "10yr Fixed \u00b7 Conforming",
      "rate": 5.625,
      "apr": 5.85,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Milford Federal published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:67e3d6203f3bea95c8e8d9bd6d58c7c836604c46d3a81671d7ac52f54d7fa042",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Milford Federal \u2014 10yr Fixed \u00b7 Conforming 5.625% (APR 5.850%), Milford Federal published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:67e3d6203"
    },
    {
      "lender": "Milford Federal",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 5.625,
      "apr": 5.78,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Milford Federal published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:55b5638e7782d96dbbe9c24b30c73f13580b0d71d6dac879bb87954e57fedf5b",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Milford Federal \u2014 15yr Fixed \u00b7 Conforming 5.625% (APR 5.780%), Milford Federal published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:55b5638e7"
    },
    {
      "lender": "Navy Federal",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 5.75,
      "apr": 6.186,
      "points": 0.625,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Navy Federal published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:bffebc99d2644ca96819ef203e7a9a04535ee1abe55516ebdda16815d1195aaf",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Navy Federal \u2014 30yr Fixed \u00b7 Conforming 5.750% (APR 6.186%), Navy Federal published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:bffebc99d"
    },
    {
      "lender": "Ent",
      "product": "jumbo-15",
      "product_label": "15yr Fixed \u00b7 Jumbo",
      "rate": 5.875,
      "apr": 5.933,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Ent published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:281e171a3a7c7bf442feb6235e0e37524e518b4cbbee37779764a6181143cad3",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 15yr Fixed \u00b7 Jumbo 5.875% (APR 5.933%), Ent published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:281e171a3"
    },
    {
      "lender": "SchoolsFirst FCU",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 5.875,
      "apr": 6.63,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "SchoolsFirst FCU published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:dd1b635120a9341e62d33a88e03bc4987cc3dc97a98bc8f077ea5d46e3b5f4be",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "SchoolsFirst FCU \u2014 15yr Fixed \u00b7 Conforming 5.875% (APR 6.630%), SchoolsFirst FCU published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:dd1b63512"
    },
    {
      "lender": "Veterans United",
      "product": "va-30",
      "product_label": "30yr Fixed \u00b7 VA",
      "rate": 5.875,
      "apr": 6.341,
      "points": 1.938,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Veterans United published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:6e6f8a9fe6bba988191e6bf54f178fc1a53771e7a48b8e585646c28c86e4b244",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Veterans United \u2014 30yr Fixed \u00b7 VA 5.875% (APR 6.341%), Veterans United published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:6e6f8a9fe"
    },
    {
      "lender": "Milford Federal",
      "product": "conforming-20",
      "product_label": "20yr Fixed \u00b7 Conforming",
      "rate": 5.99,
      "apr": 6.12,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Milford Federal published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:014dbb0f5f02d29dd048ce12a2e800df646ee5263f4d13162a7acb1a2520502d",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Milford Federal \u2014 20yr Fixed \u00b7 Conforming 5.990% (APR 6.120%), Milford Federal published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:014dbb0f5"
    },
    {
      "lender": "Alliant",
      "product": "arm-5",
      "product_label": "5-yr ARM",
      "rate": 6.0,
      "apr": 6.24,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Alliant published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:2c31a89c5f2cd1a89ab322ec3b74917baa81d82ea29357100ef89c6e348d792d",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Alliant \u2014 5-yr ARM 6.000% (APR 6.240%), Alliant published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:2c31a89c5"
    },
    {
      "lender": "Ent",
      "product": "conforming-10",
      "product_label": "10yr Fixed \u00b7 Conforming",
      "rate": 6.0,
      "apr": 6.137,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Ent published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:5edac20240f26b20b36464d02bdefc8c4eb45d7702f21b28e015a9156d6cf3d7",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 10yr Fixed \u00b7 Conforming 6.000% (APR 6.137%), Ent published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:5edac2024"
    },
    {
      "lender": "Ent",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 6.0,
      "apr": 6.096,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Ent published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:6a65f817062163ef24b5a223490d0dac9befd874011086db57aa1d76588bacf8",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 15yr Fixed \u00b7 Conforming 6.000% (APR 6.096%), Ent published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:6a65f8170"
    },
    {
      "lender": "Alliant",
      "product": "arm-7",
      "product_label": "7-yr ARM",
      "rate": 6.125,
      "apr": 6.26,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Alliant published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:b87a741aba9da4dd3d58a6a02364f022a4006f3266e370b5585ae4e60e1a8768",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Alliant \u2014 7-yr ARM 6.125% (APR 6.260%), Alliant published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:b87a741ab"
    },
    {
      "lender": "Alliant",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 6.125,
      "apr": 6.172,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Alliant published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:b969d3ba32c81babbf81582f9c9aefb48bdc3f93b3285a05ab3539a448448893",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Alliant \u2014 15yr Fixed \u00b7 Conforming 6.125% (APR 6.172%), Alliant published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:b969d3ba3"
    },
    {
      "lender": "Ent",
      "product": "fha-30",
      "product_label": "30yr Fixed \u00b7 FHA",
      "rate": 6.125,
      "apr": 7.442,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Ent published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:7afca3320885f3ad7128c3fae6c6d0b4205aa1fa69107751201ee321ce49350f",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 30yr Fixed \u00b7 FHA 6.125% (APR 7.442%), Ent published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:7afca3320"
    },
    {
      "lender": "Ent",
      "product": "va-30",
      "product_label": "30yr Fixed \u00b7 VA",
      "rate": 6.125,
      "apr": 6.383,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Ent published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:f3c25ee2121f5fa81034a36060a36ea761c68e8aef73d7a1594c8268dfd489c4",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 30yr Fixed \u00b7 VA 6.125% (APR 6.383%), Ent published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:f3c25ee21"
    },
    {
      "lender": "Milford Federal",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 6.125,
      "apr": 6.22,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Milford Federal published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:555759e98d7f4a722c53242c836513c417761439cfb2f8ec593cc36bd010f92d",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Milford Federal \u2014 30yr Fixed \u00b7 Conforming 6.125% (APR 6.220%), Milford Federal published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:555759e98"
    },
    {
      "lender": "Milford Federal",
      "product": "jumbo-30",
      "product_label": "30yr Fixed \u00b7 Jumbo",
      "rate": 6.125,
      "apr": 6.22,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Milford Federal published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:6c00a2338f79c2152bf91a8aab30210aff1ed06788dac662d8adf97d54e8b708",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Milford Federal \u2014 30yr Fixed \u00b7 Jumbo 6.125% (APR 6.220%), Milford Federal published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:6c00a2338"
    },
    {
      "lender": "Navy Federal",
      "product": "jumbo-15",
      "product_label": "15yr Fixed \u00b7 Jumbo",
      "rate": 6.125,
      "apr": 6.323,
      "points": 0.25,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Navy Federal published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:50eed5199a88573a9b42ca49706f97d95282f82dbec7cfdff9f88b0fb2b01e51",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Navy Federal \u2014 15yr Fixed \u00b7 Jumbo 6.125% (APR 6.323%), Navy Federal published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:50eed5199"
    },
    {
      "lender": "Fidelity Bank",
      "product": "conforming-10",
      "product_label": "10yr Fixed \u00b7 Conforming",
      "rate": 6.25,
      "apr": 6.466,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:b2bd7fc4b3692506119d419fd420e162f32d99d3cd26b6347a4a15dc385a9af8",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 10yr Fixed \u00b7 Conforming 6.250% (APR 6.466%), Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:b2bd7fc4b"
    },
    {
      "lender": "Alliant",
      "product": "arm-10",
      "product_label": "10-yr ARM",
      "rate": 6.375,
      "apr": 6.388,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Alliant published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:115f509cbca78124e50734bc3634cc5b909b74d1b1182e0414e745c1fe0b4696",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Alliant \u2014 10-yr ARM 6.375% (APR 6.388%), Alliant published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:115f509cb"
    },
    {
      "lender": "Ent",
      "product": "conforming-20",
      "product_label": "20yr Fixed \u00b7 Conforming",
      "rate": 6.375,
      "apr": 6.455,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Ent published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:291b64c4e8e371e8ba9dcf29696b0ee0b34b306c020d6a6d7e2ed5624e564d18",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 20yr Fixed \u00b7 Conforming 6.375% (APR 6.455%), Ent published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:291b64c4e"
    },
    {
      "lender": "Fidelity Bank",
      "product": "conforming-15",
      "product_label": "15yr Fixed \u00b7 Conforming",
      "rate": 6.375,
      "apr": 6.456,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:ceee8c930a5d369b34d5634dcdb9a35d85d1fa53635ae270f7e8e0f6c2fda158",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 15yr Fixed \u00b7 Conforming 6.375% (APR 6.456%), Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:ceee8c930"
    },
    {
      "lender": "Fidelity Bank",
      "product": "jumbo-15",
      "product_label": "15yr Fixed \u00b7 Jumbo",
      "rate": 6.375,
      "apr": 6.456,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:9ebcff65914b9ecfe62fc427b2f0c31d3695c4de541ee421396d82b0df0741cc",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 15yr Fixed \u00b7 Jumbo 6.375% (APR 6.456%), Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:9ebcff659"
    },
    {
      "lender": "Navy Federal",
      "product": "jumbo-30",
      "product_label": "30yr Fixed \u00b7 Jumbo",
      "rate": 6.5,
      "apr": 6.658,
      "points": 0.625,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Navy Federal published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:1c7cb1e0bbdb287d98c111d8e193e8c96b492cbce88634765c15cf2e29ae6a65",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Navy Federal \u2014 30yr Fixed \u00b7 Jumbo 6.500% (APR 6.658%), Navy Federal published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:1c7cb1e0b"
    },
    {
      "lender": "Ent",
      "product": "jumbo-30",
      "product_label": "30yr Fixed \u00b7 Jumbo",
      "rate": 6.625,
      "apr": 6.664,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Ent published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:724bdcd165e45902a830a0ce98a677af31b916a14b3fcc2e4ac97bf912170825",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 30yr Fixed \u00b7 Jumbo 6.625% (APR 6.664%), Ent published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:724bdcd16"
    },
    {
      "lender": "Fidelity Bank",
      "product": "arm-7",
      "product_label": "7-yr ARM",
      "rate": 6.625,
      "apr": 7.38,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:bb3ddf6d6c806fa75ac1d7e20cb107ec8f132f116f9f350e0f4d401678a398a6",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 7-yr ARM 6.625% (APR 7.380%), Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:bb3ddf6d6"
    },
    {
      "lender": "Fidelity Bank",
      "product": "conforming-20",
      "product_label": "20yr Fixed \u00b7 Conforming",
      "rate": 6.625,
      "apr": 6.725,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:c5da88e06c6c59f5297a449fbbf8f3239baff6a585989be7595becb1c9cc69bf",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 20yr Fixed \u00b7 Conforming 6.625% (APR 6.725%), Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:c5da88e06"
    },
    {
      "lender": "Fidelity Bank",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 6.625,
      "apr": 6.711,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:2369b0d40cd114a528d1588463a1c1a038e630faabd0432d77b52ef623c75a39",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 30yr Fixed \u00b7 Conforming 6.625% (APR 6.711%), Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:2369b0d40"
    },
    {
      "lender": "SchoolsFirst FCU",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 6.625,
      "apr": 7.4,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "SchoolsFirst FCU published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:8bd3dfd3705b24c8eeb80112bc4365d1eb8c2ab101ba796779ca94be7b887092",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "SchoolsFirst FCU \u2014 30yr Fixed \u00b7 Conforming 6.625% (APR 7.400%), SchoolsFirst FCU published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:8bd3dfd37"
    },
    {
      "lender": "Ent",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 6.75,
      "apr": 6.813,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Ent published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:00b536fdbba5fb539588cc533cd7bd21a02e46c98fa64ff288c759585688a204",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Ent \u2014 30yr Fixed \u00b7 Conforming 6.750% (APR 6.813%), Ent published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:00b536fdb"
    },
    {
      "lender": "Fidelity Bank",
      "product": "arm-10",
      "product_label": "10-yr ARM",
      "rate": 6.75,
      "apr": 7.24,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:2bae3701067a97fceedc219a2a844f49ce2d7bf0a72a2ccdcd52d848b0579c59",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 10-yr ARM 6.750% (APR 7.240%), Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:2bae37010"
    },
    {
      "lender": "Alliant",
      "product": "conforming-20",
      "product_label": "20yr Fixed \u00b7 Conforming",
      "rate": 6.875,
      "apr": 6.914,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Alliant published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:496abca7a49d6802a453e6469a229ef296a94309aa490cb1419df573b5b36467",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Alliant \u2014 20yr Fixed \u00b7 Conforming 6.875% (APR 6.914%), Alliant published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:496abca7a"
    },
    {
      "lender": "Fidelity Bank",
      "product": "jumbo-30",
      "product_label": "30yr Fixed \u00b7 Jumbo",
      "rate": 6.875,
      "apr": 6.962,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:3791650d4b9d5393e8b1de97ff5cdd42bfc1f20d5b3e4561705ed88a518d5f6b",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Fidelity Bank \u2014 30yr Fixed \u00b7 Jumbo 6.875% (APR 6.962%), Fidelity Bank published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:3791650d4"
    },
    {
      "lender": "Alliant",
      "product": "conforming-30",
      "product_label": "30yr Fixed \u00b7 Conforming",
      "rate": 7.0,
      "apr": 7.03,
      "points": 0.0,
      "lock_days": 30,
      "observed_at": "2026-08-21T00:00:00Z",
      "source": "Alliant published rates \u2014 monitored 2026-08-21T00:00:00Z",
      "source_hash": "sha256:e4216d752665dccd8fc8a4d2c1431f821386fb83b876269683b1aecf93999116",
      "stage": "LIVE",
      "synthetic": false,
      "vintage": null,
      "citation": "Alliant \u2014 30yr Fixed \u00b7 Conforming 7.000% (APR 7.030%), Alliant published rates \u2014 monitored 2026-08-21T00:00:00Z, 2026-08-21T00:00:00Z [LIVE] \u00b7 sha256:e4216d752"
    }
  ]
}