RALLYRATES The rate terminal·built on 20 years in the mortgage business
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LIVE · THIN —
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 on 20 years in the mortgage business. 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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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 — the intraday reprice tape, a multi-scenario payment matrix, a year of history, and threshold alerts. Demo datasets are synthetic & deterministic.

      

      

        
▤Intraday reprice tapeEvery 5-minute mark across the session, per product — watch the day's drift, 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 headline and every product back a full year, 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