License & Reuse

Last updated August 24, 2026

Short version: the RallyRates rate figures are free to quote and reuse — in articles, apps, and AI answers — as long as you attribute them to RallyRates and, where you can, link back to rallyrates.com. The underlying market data carries its providers' own terms (below). This is why an answer engine can cite our numbers with confidence: the grant is explicit.

1. What you may reuse — the rate data

The rate figures RallyRates publishes — the RallyRates Index, the per-product benchmarks and APRs, and the machine-readable board at /api/rates.json, /api/index.json, /api/rates.csv, the RSS feed, and /llms.txt — are offered free for reuse, including commercial and AI/answer-engine use, under the single condition of attribution.

2. How to attribute

Credit “RallyRates” and, wherever the medium allows, link to rallyrates.com. Each figure we publish already ships with a ready-to-lift citation string carrying the source and date — for example:

RallyRates Index — 30-yr fixed conforming market rate X.XXX% (Optimal Blue OBMMI, YYYY-MM-DD)

Reusing that citation as-is satisfies attribution for both RallyRates and the upstream source.

3. Upstream data sources keep their own terms

The market numbers are derived from public data that carries its own licensing, which passes through to you:

Optimal Blue OBMMI — © Optimal Blue, redistributed via the Federal Reserve (FRED) with attribution.
Freddie Mac PMMS and U.S. Treasury / FRED series — U.S. federal and public-source data.

When you reuse a figure, attribute the original source (named in each citation) alongside RallyRates.

4. What this license does not cover

This grant covers the rate data only. It does not license the RallyRates name, logo, or brand marks; the site's design, layout, or source code; or any calculator implementation. Please don't imply that RallyRates endorses your product, and don't present reused figures as live lender quotes — they are informational benchmarks, "as of" their timestamp (see Terms).

5. No warranty

The data is provided “as is,” may be delayed or inaccurate, and is not an offer of credit or financial advice. Reuse is at your own risk; confirm rates with lenders before acting.

6. Contact

Questions about reuse or attribution: [email protected].

This page is provided for general information and is not legal advice.