Rates readers actually got, next to the published benchmark for that day. Not offers, not a ranking, not advice.
Thirty seconds. No account, no email. Your name is optional and your screenshot is never stored.
When you attach a Loan Estimate, statement, or rate quote, a model reads it once for the lender, the rate, the APR, the term, the lock, and the points. It is told to ignore names, addresses, and account numbers, and the image is discarded the moment the read is done. Nothing about the file is stored.
If what the model read matches what you typed, the post publishes right away and carries the screenshot-checked label. Every other post, including every post without a screenshot, waits for a person to look at it, usually within 24 hours, and then carries the reported label.
There is one floor rule, in plain words: a post more than three quarters of a point below the published benchmark on the day it was locked, after a quarter point for each discount point paid, waits for a person. VA loan rates and VA refi rates are compared to the VA 30-year daily lock average; conventional and FHA to the conventional average; auto loan rates to the 60-month new-car average. ARM posts and deposit accounts have no benchmark and always go to a person.
Anyone can flag a post. Five flags hide it until a person reviews it. Nothing here is edited: a post shows exactly what the reader typed.
Set a target rate and we email you when the published benchmark reaches it. No credit pull, no application.
Open Rate Watch →One email a month: current rates, new and expiring military discounts, one updated guide, and one deadline worth knowing. Signing up does not send a checklist; the checklists are free on their pages, no email needed. No spam. No calls. We never sell your information as a lead.
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270+ military discounts, checked at the source.
The big money decisions, broken down.
Official programs and free help, one directory.
Push rate alerts, a daily SITREP, a home screen widget, and the arcade.
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