RALLYRATES

The rate terminal·built by L.W. Martin — 20 years in the mortgage business

CITIES GUIDES
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Get the brief → —
Real market rate — OBMMI (Optimal Blue), daily Lender rows: real, sourced & cited — thinness shows as absence
— CREDIT LTV LOAN USEPrimary home SNAPSHOT  stamped lender rate sheets · scenario drives the CALC, not the rate
Lender Rate ▲ Pts APR Lock Δ Today Updated
◆ PUBLISHED FREE · CITED, NOT SOLD · NO LENDER PAYS TO BE IN IT · 0 PAID PLACEMENTS

RALLYRATES INDEX

—%
30-yr conforming · average note rate across our tracked lenders · as of —
By product — the whole market, one screen
"Where rates actually are — the most honest read on the market."
Built and published by L.W. Martin — 20 years in the mortgage business, including 15 running his own brokerage. No lender pays to appear in this index, and no one can pay to move it.
◆ BUILT TO BE QUOTED · PERPLEXITY / CHATGPT / GEMINI-READY

THE MACHINE LAYER

Rate-shopping is moving into answer engines. The winner won't be the prettiest funnel — it'll be the source an AI can quote without hedging. The terminal is built from the ground up to be that source: structured, timestamped, and free of the lender-money conflict that makes an AI qualify every number it pulls from the aggregators.

? best jumbo 30-year fixed rate today
What we expose so machines quote us accurately
/llms.txt

      
/api/rates.json  ·  every quote, stamped

      
schema.org  ·  JSON-LD in every page

    

    

      
No conflict to disclose. No lender pays us, so an answer engine can cite us without flagging paid-placement bias. The aggregators structurally cannot say that.

      
Every fact is a citation. The Receipt — lender + timestamp + source-hash on every rate — is exactly the provenance an LLM needs to quote a number and stand behind it.

      
One canonical figure. The RallyRates Index is a single dated, quotable number — the shape of fact answer engines reach for first. It's why they cite PMMS.

    

  


  

    

      
◆ WHAT IT COSTS · ILLUSTRATIVE ESTIMATE · NOT A LOAN OFFER OR QUALIFICATION

      
PAYMENT CALCULATOR

      

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Dedicated calculator pages:
        Affordability·Refinance·Payoff·15 vs 30·Full calculator ↗
      

    

    

      

        
Loan

        
$

        
%

        
$300,000

        
%

        

          
            
            
            
            
          
        

        
Carrying costs

        
$

        
$

        
$

      

      

        
Estimated monthly payment

        

          $0/mo
          principal & interest
$0
        

        

        
Principal & interest$0

        
Property tax$0

        
Home insurance$0

        
PMI · LTV > 80%$0

        
HOA$0

        

          
Total interest
$0

          
Total of payments
$0

          
Payoff
—

          
Loan-to-value
—

        

        

      

    

    

      
Amortization · by yearhow each year splits between principal and interest

      

        
YearPrincipalInterestBalanceSplit

      

    

  


  


    
    

      

        
◆ RALLYRATES PRO DESK · FOR BROKERS & LOAN OFFICERS

        
The whole tape, not just the snapshot.

        
The free board shows where rates are. Pro shows where they've been and where they're moving — recent daily moves, a multi-scenario payment matrix, a year of history, and threshold alerts you set. Every panel runs on real market data (OBMMI/PMMS via FRED).

      

      

        
▤Recent movesReal recent daily direction per product, with 1-day / 1-week / 1-month change — see where it's heading, not one stamped close.

        
▤Multi-scenario compareCredit × LTV × loan size, priced side-by-side into monthly P&I in one grid.

        
▤90 / 365-day historyThe 30-yr headline and every product back a full year of real OBMMI/PMMS market history, charted.

        
▤Threshold & move alertsSet a level; see which products crossed it and by how much.

      

      

        
FREE· no account, no cardRallyRates is ad-supported — the rate sheet stays ad-free