Where does the base mortgage rate come from?

The Freddie Mac Primary Mortgage Market Survey, published weekly and redistributed by the Federal Reserve Bank of St. Louis (FRED) as series MORTGAGE30US. It reflects a well-qualified conventional borrower with roughly 20% down.

How do you adjust the rate for my credit score?

We apply the Fannie Mae Loan-Level Price Adjustment matrix, a public quarterly document that sets the pricing add-ons lenders use for each credit score and loan-to-value band. The same grid sits behind the pricing engines lenders quote from.

Is the estimate a rate quote?

No. It is an estimate built from published averages and public pricing grids. Your real rate also depends on income, debt-to-income ratio, property type, points purchased and each lender's own margin, so always collect at least three quotes.

Do lenders pay to appear on your comparison pages?

No. We have no affiliate relationship with the lenders, banks or insurers listed, buttons open their official websites directly, and nothing is ranked for payment.

How we estimate mortgage rates

We do not invent rates and we do not buy them from a lead network. Our mortgage-rate estimates are assembled from the four public datasets below. Across the rest of the site, data pages are built from the ingested datasets listed further down, each stored with its observation date and shown with its source attached. Calculator results are computed from your inputs and a published formula, so they carry the formula and its constants rather than a dataset. If a figure looks wrong, tell us.

Public datasets ingested and cited

Scheduled refresh jobs registered

17 Sept

Most recent successful refresh

191,770

Data rows held across those datasets

The four sources

Freddie Mac Primary Mortgage Market Survey

Base 30-year fixed rate, updated weekly

The industry benchmark since 1971, surveyed across hundreds of lenders each week and redistributed through FRED. We store every observation, so each figure on the site carries its own observation date.

FRED · MORTGAGE30US

Fannie Mae Loan-Level Price Adjustment Matrix

Credit score and LTV adjustments, updated quarterly

A public PDF setting the pricing add-on for every credit band and loan-to-value band. We hold the current grid for conventional, FHA and VA loans, and VA loans correctly carry no credit-based adjustment.

Fannie Mae · LLPA Matrix

U.S. Treasury 10-year yield

Spread analysis, updated daily

Mortgage rates track the 10-year Treasury with a spread that widens when lenders price in risk. We show that spread so you can see whether today's rates are stretched or normal versus the ~1.7-point historical average.

FRED · DGS10

U.S. Census Bureau, American Community Survey

Local income and home-value context, updated annually

Median household income, median home value and ownership rates for every state, county and ZIP code, used to make the default assumptions on our calculators match where you actually live.

Census · ACS

Data dictionary

Every dataset we ingest, with the table it lands in, the identifiers we pull, how often it refreshes, when it last refreshed successfully, how many rows we hold, what we change and what the data cannot tell you. Cadence, last run and row counts are read from the database at request time, so this page cannot claim a refresh that did not happen.

Federal Reserve macro and rate series

FRED, Federal Reserve Bank of St. Louis

Stored in: market_series_obs
Series / identifiers: MORTGAGE30US, DGS10, DGS1, FEDFUNDS, CPIAUCSL, UNRATE, ICSA, CCSA and related
Vintage: Latest published observation per series
Refresh cadence: Every 12 hours
Last successful refresh: Thu, 17 Sep 2026 13:17:46 UTC
Rows held: 24,691
Transformations: None. Values are stored exactly as published, with the source observation date.
Missing values: A missing observation is left absent; we never carry a previous value forward.
Outliers: Mortgage rates outside 1–20% are flagged and withheld from rate copy.
Known limitations: FRED redistributes other agencies' data; the observation date is the source's, not ours.

US Treasury I bonds and average interest rates

U.S. Treasury Fiscal Data

Stored in: treasury_rates
Series / identifiers: I-bond composite and fixed rates; average interest rates on marketable securities
Vintage: Latest release, semi-annual for I bonds
Refresh cadence: Every 1 days
Last successful refresh: Wed, 09 Sep 2026 22:16:59 UTC
Rows held: 428
Transformations: None.
Missing values: Absent periods are left absent.
Outliers: Rates outside 0–20% are rejected at ingest.
Known limitations: I-bond composite rates change only twice a year and are not a market quote.

State unemployment rates

Bureau of Labor Statistics, LAUS

Stored in: state_data
Series / identifiers: LAUS state series, seasonally adjusted
Vintage: Latest monthly release
Refresh cadence: Every 1 days
Last successful refresh: Thu, 17 Sep 2026 05:17:18 UTC
Rows held: 52
Transformations: None.
Missing values: States without a current print keep the previous published month, dated as such.
Outliers: Rates outside 0–30% are flagged and not published.
Known limitations: State-level only; county unemployment comes from the ACS and is a different vintage.

Metro consumer price indexes

Bureau of Labor Statistics, CPI

Stored in: cpi_metro
Series / identifiers: CPI-U by metropolitan area
Vintage: Latest bi-monthly release per area
Refresh cadence: Every 3 days
Last successful refresh: Wed, 16 Sep 2026 08:17:02 UTC
Rows held: 433
Transformations: Year-on-year percentage computed from index levels.
Missing values: Areas without a current print are omitted rather than interpolated.
Outliers: Year-on-year moves beyond ±25% are flagged for review.
Known limitations: BLS publishes most metros bi-monthly, so some areas lag by a month.

CFPB consumer complaints

Consumer Financial Protection Bureau

Stored in: cfpb_complaint_summary
Series / identifiers: Complaint counts by company, product and year
Vintage: Current calendar year, refreshed weekly
Refresh cadence: Every 7 days
Last successful refresh: Wed, 16 Sep 2026 16:19:57 UTC
Rows held: 124
Transformations: Complaints per $1bn of FDIC-reported deposits. Companies are matched to FDIC certificates through a hand-maintained crosswalk only.
Missing values: A company absent from the crosswalk is left unscored. We never guess an institution match.
Outliers: Ratios above 10,000 per $1bn are flagged as a probable matching error.
Known limitations: Complaint volume reflects consumer awareness as well as service quality, and deposits are not a customer count.

FDIC insured institutions

FDIC BankFind

Stored in: fdic_institutions
Series / identifiers: BankFind institution records (CERT key)
Vintage: Latest quarterly call report
Refresh cadence: Every 7 days
Last successful refresh: Wed, 16 Sep 2026 16:20:05 UTC
Rows held: 4,250
Transformations: Assets and deposits stored in $ millions as filed.
Missing values: Fields the bank did not file are stored null and shown as 'not published'.
Outliers: None applied; filings are authoritative.
Known limitations: Call reports lag the quarter end by several weeks.

FDIC branch network

FDIC Summary of Deposits

Stored in: fdic_branches
Series / identifiers: Branch office records by CERT
Vintage: Latest Summary of Deposits
Refresh cadence: Every 14 days
Last successful refresh: Wed, 09 Sep 2026 16:12:25 UTC
Rows held: 76,063
Transformations: Deduplicated on institution, address, city and state.
Missing values: Branches without coordinates are kept but excluded from maps.
Outliers: Coordinates outside the US bounding box are dropped.
Known limitations: Summary of Deposits is annual, so very recent openings and closures are missing.

HUD Fair Market Rents

HUD User, Fair Market Rents

Stored in: hud_fmr
Series / identifiers: FMR by county and bedroom count
Vintage: Current fiscal year
Refresh cadence: Every 30 days
Last successful refresh: Wed, 09 Sep 2026 21:37:12 UTC
Rows held: 3,195
Transformations: Income needed at 30% of gross income is derived from the FMR.
Missing values: Counties without an FMR record are omitted.
Outliers: Rents outside $100–$10,000 a month are flagged.
Known limitations: FMR is a payment standard at the 40th percentile, not an average asking rent.

Census ACS county and ZIP profiles

U.S. Census Bureau, American Community Survey

Stored in: county_data, zcta_data, state_data
Series / identifiers: B19013, B25077, B25064, B01003 and related ACS tables
Vintage: Most recent ACS 5-year estimates
Refresh cadence: On demand
Last successful refresh: Not yet recorded
Rows held: 37,048
Transformations: None on the published estimate. Derived indices are computed separately and labelled as ours.
Missing values: Suppressed estimates are stored null; a page with a null estimate shows a dash, never a guess.
Outliers: Median household income outside $5,000–$500,000 and median rent outside $100–$10,000 are treated as bad rows and the page is de-indexed.
Known limitations: 5-year estimates are an average over five years, carry margins of error, and are not comparable with single-year figures.

College Scorecard

U.S. Department of Education

Stored in: college_scorecard
Series / identifiers: UNITID-keyed institution records
Vintage: Latest annual release
Refresh cadence: Every 30 days
Last successful refresh: Wed, 09 Sep 2026 21:38:31 UTC
Rows held: 5,451
Transformations: Monthly payment and payback years derived from median debt and earnings.
Missing values: Institutions missing earnings or debt are shown without the derived figures.
Outliers: Earnings and debt outside plausible bounds are excluded from rankings.
Known limitations: Earnings cover federally aided students only, not the whole cohort.

State energy prices

U.S. Energy Information Administration

Stored in: energy_prices
Series / identifiers: Electricity residential average price; natural gas residential price
Vintage: Latest annual release
Refresh cadence: Every 7 days
Last successful refresh: Wed, 16 Sep 2026 22:17:33 UTC
Rows held: 1,351
Transformations: None.
Missing values: States without a gas price show electricity only.
Outliers: Prices outside published historical ranges are flagged.
Known limitations: Annual averages hide seasonal and tariff variation.

BEA regional price parities and per-capita income

Bureau of Economic Analysis

Stored in: bea_regional
Series / identifiers: Regional Price Parities (all items, housing, goods); personal income per capita
Vintage: Latest annual release
Refresh cadence: Every 30 days
Last successful refresh: Wed, 09 Sep 2026 21:38:41 UTC
Rows held: 3,596
Transformations: None.
Missing values: Where BEA does not publish, a housing-based estimate is used and labelled as such.
Outliers: Parities outside 70–140 are flagged.
Known limitations: Annual, and metro parities lag state figures by a year.

Zillow Home Value Index

Zillow Research

Stored in: market_series_obs
Series / identifiers: ZHVI national and state series
Vintage: Latest monthly release
Refresh cadence: Every 7 days
Last successful refresh: Sat, 12 Sep 2026 10:17:13 UTC
Rows held: 24,691
Transformations: None.
Missing values: Missing months are absent.
Outliers: Month-on-month moves beyond ±10% are flagged.
Known limitations: ZHVI is a smoothed valuation index, not a transaction price.

Think Bigger Today proprietary indices

Think Bigger Today indices

Stored in: mortgage_stress_index, tcoli_index, financial_stress_score, real_salary_index
Series / identifiers: Derived — see each index page for its formula and weights
Vintage: Recomputed monthly from the inputs above
Refresh cadence: Every 1 days
Last successful refresh: Thu, 17 Sep 2026 04:17:12 UTC
Rows held: 35,140
Transformations: Percentile ranks across the full national distribution. Weights are published on each index page.
Missing values: A geography missing any input is not scored rather than partially scored.
Outliers: A computation is rejected if more than 25% of rows land on the floor or the ceiling, because a saturated scale is not ranking anything.
Known limitations: These are our own composites, not official statistics. They inherit every limitation of their inputs.

Every source agency

Across the whole site we ingest 22 public datasets, each stored with its coverage and observation vintage.

Federal Reserve (FRED)

Mortgage, savings, CD, auto, credit card and personal loan rate series, national.

Coverage: National weekly and monthly series, full history stored per observation

Source observation: latest weekly and monthly observations, 2026

FRED · St. Louis Fed

U.S. Census Bureau (ACS)

Income, rent, home values and ownership rates.

Coverage: All 50 states plus DC, 3,100+ counties, 33,000+ ZIP code tabulation areas

Source observation: 5-year estimates, 2023 vintage

Census · ACS

FDIC

Bank financials, deposit market share and insured branch locations.

Coverage: All FDIC-insured institutions, 75,000+ branch locations

Source observation: quarterly call reports, 2026 Q1

FDIC · BankFind API

HUD

Fair Market Rents by bedroom count.

Coverage: Every county and metro FMR area nationwide

Source observation: fiscal year 2026

HUD · FMR datasets

College Scorecard

Cost, completion, post-graduation earnings and return on investment.

Coverage: 5,400+ US colleges and universities

Source observation: most recent release, 2024-25

College Scorecard · data

Bureau of Labor Statistics (OEWS)

Occupation employment and wage levels.

Coverage: All states and covered metro areas, by occupation

Source observation: OEWS, May 2024

BLS · OEWS

CFPB (consumer complaints)

Complaint volumes, product mix and company response records.

Coverage: Rolling 24 months of complaints by institution and product

Source observation: rolling 24 months to 2026

CFPB · complaint database

CMS Marketplace

Benchmark ACA premiums on the federal exchange. State-based exchanges are flagged as unavailable rather than estimated.

Coverage: 2,055 counties on the federally facilitated Marketplace

Source observation: plan year 2026

CMS · Marketplace data

IRS Statistics of Income

Aggregated returns, adjusted gross income and deduction patterns.

Coverage: 27,588 ZIP code areas

Source observation: tax year 2022 filings

IRS · SOI ZIP code data

Bureau of Economic Analysis (BEA)

Regional price parities and personal income per capita — our primary cost-of-living index.

Coverage: 52 states and territories plus 387 metropolitan areas

Source observation: RPP and personal income, 2024

BEA · Regional price parities

FEMA National Risk Index

Expected annual loss, natural hazard exposure and community resilience scores.

Coverage: 3,232 counties

Source observation: release 2023 (v1.19.0)

FEMA · NRI data

FHFA House Price Index

House price levels and appreciation rates.

Coverage: 20,925 ZIP, county and metro areas

Source observation: annual and quarterly series, 2000-2025

FHFA · HPI datasets

EIA

Residential electricity and natural gas prices.

Coverage: 52 states and territories

Source observation: monthly series, 2000-2025

EIA · open data

Social Security Administration (SSA)

Retirement and disability beneficiary counts and average payments.

Coverage: All states plus 3,224 counties

Source observation: OASDI beneficiaries, December 2025

SSA · OASDI statistics

USDA Food Plans

Monthly food cost by household composition, including the official Alaska and Hawaii adjustments.

Coverage: National plans by age and sex, with Alaska and Hawaii uplifts

Source observation: June 2026 report

USDA · Cost of Food reports

NCUA

Credit union financials and branch locations, complementing FDIC coverage.

Coverage: All federally insured credit unions and their branches

Source observation: quarterly call reports, 2026 Q1

NCUA · call report data

CFPB HMDA

Mortgage applications with approval and denial rates by lender and place.

Coverage: Aggregated by county and census tract, nationwide

Source observation: loan application register, 2024

HMDA · data browser

National Association of Insurance Commissioners (NAIC)

Average car and homeowners insurance premiums, with the liability, collision and comprehensive split.

Coverage: All 50 states plus DC, state averages only — NAIC does not publish county premiums and we never break the figure down further

Source observation: Auto Insurance Database Report and Homeowners Insurance Report, latest releases

NAIC · research and actuarial reports

U.S. Department of Health and Human Services

The federal poverty line by household size, used to work out marketplace subsidy eligibility and net premiums.

Coverage: Three official schedules: the 48 contiguous states and DC, Alaska, and Hawaii

Source observation: 2026 guidelines (Federal Register, 15 January 2026)

HHS · poverty guidelines

Bureau of Labor Statistics (CPI)

Local consumer price inflation, shown only for counties inside the metro area the BLS actually prices.

Coverage: 23 metropolitan areas published as size class A, with the counties each covers

Source observation: monthly CPI-U series, latest release

BLS · regional CPI

U.S. Treasury (Fiscal Data)

Official I-Bond fixed, inflation and composite rates, plus average interest rates on marketable Treasury securities.

Coverage: Every published I-Bond rate period and monthly average rates by security type

Source observation: current rate period, refreshed each announcement

Treasury · Fiscal Data I-Bond rates

CMS Medicare

Medicare Advantage plan counts and average premiums, Part D premiums, and the standard Part B premium.

Coverage: Counties present in the CMS landscape files, alongside the national Part B figure

Source observation: plan year 2026

CMS · Medicare landscape files

Refresh registry: every scheduled job

All 26 jobs registered on this site, with the cadence they are scheduled at and the timestamps recorded in our database. A job that has never run shows an empty history rather than being hidden.

Job	Key	Cadence	Last run	Last success	Status
Bank & credit union directory rebuild	institutions-rebuild	Every 7 days	Wed, 16 Sep 2026 17:17:28 UTC	Wed, 16 Sep 2026 17:17:28 UTC	ok
BEA regional income & price parities	bea-regional	Every 30 days	Wed, 09 Sep 2026 21:38:41 UTC	Wed, 09 Sep 2026 21:38:41 UTC	ok
BLS metro CPI	cpi-metro	Every 3 days	Wed, 16 Sep 2026 08:17:02 UTC	Wed, 16 Sep 2026 08:17:02 UTC	ok
BLS state unemployment	bls-unemployment	Every 1 days	Thu, 17 Sep 2026 05:17:18 UTC	Thu, 17 Sep 2026 05:17:18 UTC	ok
Census ACS county profiles	census-counties	Every 30 days	Wed, 09 Sep 2026 21:37:16 UTC	Wed, 09 Sep 2026 21:37:16 UTC	ok
CFPB consumer complaints	cfpb-complaints	Every 7 days	Wed, 16 Sep 2026 16:19:57 UTC	Wed, 16 Sep 2026 16:19:57 UTC	ok
CFPB filer to FDIC certificate crosswalk (top 120 by complaint volume)	cfpb-crosswalk	Every 7 days	Wed, 16 Sep 2026 23:17:10 UTC	Wed, 16 Sep 2026 23:17:10 UTC	ok
College Scorecard	college-scorecard	Every 30 days	Wed, 09 Sep 2026 21:38:31 UTC	Wed, 09 Sep 2026 21:38:31 UTC	ok
Deposit rates: FDIC national file & bank rate pages	bank-rates	Every 12 hours	Thu, 17 Sep 2026 14:17:17 UTC	Thu, 17 Sep 2026 14:17:17 UTC	ok
EIA energy prices	eia-energy	Every 7 days	Wed, 16 Sep 2026 22:17:33 UTC	Wed, 16 Sep 2026 22:17:33 UTC	ok
FDIC branch network	fdic-branches	Every 14 days	Wed, 09 Sep 2026 16:12:25 UTC	Wed, 09 Sep 2026 16:12:25 UTC	ok
FDIC Call Report denominators (deposits, card receivables, 1-4 family)	fdic-call-report	Every 7 days	Wed, 16 Sep 2026 23:17:18 UTC	Wed, 16 Sep 2026 23:17:18 UTC	ok
FDIC insured institutions	fdic-institutions	Every 7 days	Wed, 16 Sep 2026 16:20:05 UTC	Wed, 16 Sep 2026 16:20:05 UTC	ok
FEMA disaster declarations	fema-declarations	Every 7 days	Thu, 17 Sep 2026 00:17:30 UTC	Thu, 17 Sep 2026 00:17:30 UTC	ok
FRED rates & macro series (daily)	fred-daily	Every 12 hours	Thu, 17 Sep 2026 13:17:46 UTC	Thu, 17 Sep 2026 13:17:46 UTC	ok
Freshness events: detect material moves in official figures	freshness-events	Every 6 hours	Thu, 17 Sep 2026 09:17:05 UTC	Thu, 17 Sep 2026 09:17:05 UTC	ok
HUD fair market rents	hud-fmr	Every 30 days	Wed, 09 Sep 2026 21:37:12 UTC	Wed, 09 Sep 2026 21:37:12 UTC	ok
IRS statistics of income	irs-soi	Every 30 days	Wed, 09 Sep 2026 22:16:57 UTC	Wed, 09 Sep 2026 22:16:57 UTC	ok
Research study runs (friction index, deserts, mortgage gap, rent, real salary)	study-runs	Every 1 days	Thu, 17 Sep 2026 02:17:11 UTC	Thu, 17 Sep 2026 02:17:11 UTC	ok
SEC EDGAR bank deposits	sec-bank-deposits	Every 7 days	Sat, 12 Sep 2026 11:17:03 UTC	Sat, 12 Sep 2026 11:17:03 UTC	ok
Source verification pass (canaries)	source-verification	Every 1 days	Wed, 16 Sep 2026 22:17:29 UTC	Wed, 16 Sep 2026 22:17:29 UTC	ok
Tax constants: seed & watch the IRS for a newer year	tax-constants	Every 1 days	Thu, 17 Sep 2026 01:17:36 UTC	Thu, 17 Sep 2026 01:17:36 UTC	ok
Template boilerplate monitor (monthly, 100 pages per template)	template-diversity	Every 30 days	Wed, 09 Sep 2026 21:40:31 UTC	Wed, 09 Sep 2026 21:40:31 UTC	ok
Think Bigger Today composite indices	composite-indices	Every 1 days	Thu, 17 Sep 2026 04:17:12 UTC	Thu, 17 Sep 2026 04:17:12 UTC	ok
US Treasury I bonds & average rates	treasury	Every 1 days	Sat, 12 Sep 2026 08:17:38 UTC	Wed, 09 Sep 2026 22:16:59 UTC	error
Zillow Home Value Index (national & states)	zillow-zhvi	Every 7 days	Sat, 12 Sep 2026 10:17:13 UTC	Sat, 12 Sep 2026 10:17:13 UTC	ok

Complaint indices: formula and universe

We publish three product-specific complaint indices instead of one blended score. Each divides one CFPB product's complaints by the balance-sheet line that actually carries that product on the institution's FDIC Call Report, so the rate can be recomputed from two public files.

Deposit Complaint Index = checking/savings complaints ÷ total deposits ($bn, Call Report DEP)
Card Complaint Index = credit-card complaints ÷ credit-card receivables ($bn, LNCRCD)
Mortgage Complaint Index = mortgage complaints ÷ 1-4 family residential loans ($bn, LNRERES)

Universe: FDIC-insured institutions we hold a Call Report for, with at least $1bn on the denominator line. Credit unions file with the NCUA on a different schedule and are not pooled with banks. Every published figure carries its rank and the size of the ranked group; there is no 0-100 complaint score anywhere on the site.

Download all three indices (CSV) · Download the CFPB-to-FDIC entity crosswalk (CSV)

The calculation, step by step

1. Base rate. We take the most recent Freddie Mac 30-year fixed observation. FHA loans use the FHA series and loans above the $806,500 conforming limit use the jumbo series.
2. Loan-to-value. Your down payment sets the LTV, which decides which Fannie Mae pricing band applies.
3. Credit adjustment. We add the published LLPA add-on for your credit band and LTV band. VA loans carry none.
4. Range and payment. We show a quarter-point band either side to reflect lender-to-lender variation, then compute principal and interest over 360 months.
5. Market context. We compare the base rate with the 10-year Treasury to tell you whether today's spread is elevated, normal or compressed.

What we checked against the source, and when

Storing a number is not the same as knowing it is still right. Every day we re-read a sample of figures straight from the publisher and compare them with what we hold. A difference beyond tolerance is shown here, and the affected figure is hidden from the page until it is resolved.

Latest verification pass, one row per checked figure.
Figure	Ours	Source	Result	Checked
Maricopa County, AZ — median household income	80675	80675	Matches the source	16 Sept 2026
Los Angeles County, CA — median household income	83411	83411	Matches the source	16 Sept 2026
Miami-Dade County, FL — median household income	64215	64215	Matches the source	16 Sept 2026
Cook County, IL — median household income	78304	78304	Matches the source	16 Sept 2026
Harris County, TX — median household income	70789	70789	Matches the source	16 Sept 2026
Bank of America — complaints filed	13667	17272	Differs — figure hidden	16 Sept 2026
Capital One — complaints filed	—	24350	Not published by the source	16 Sept 2026
Chase — complaints filed	14849	18499	Differs — figure hidden	16 Sept 2026
Citibank — complaints filed	13263	16545	Differs — figure hidden	16 Sept 2026
Wells Fargo — complaints filed	13161	16200	Differs — figure hidden	16 Sept 2026
CA — residential electricity price	32.54	34.74	Differs — figure hidden	16 Sept 2026
NY — residential electricity price	26.39	29.49	Differs — figure hidden	16 Sept 2026
TX — residential electricity price	15.47	15.94	Differs — figure hidden	16 Sept 2026
Bank of America — total deposits	2121804	2121804	Matches the source	16 Sept 2026
Wells Fargo Bank — total deposits	1563534	1563534	Matches the source	16 Sept 2026
Ally Bank — total deposits	156614	156614	Matches the source	16 Sept 2026
JPMorgan Chase Bank — total deposits	2820284	2820284	Matches the source	16 Sept 2026
Citibank — total deposits	1547586	1547586	Matches the source	16 Sept 2026
1-year Treasury constant maturity	4.37	4.37	Matches the source	16 Sept 2026
10-year Treasury constant maturity	4.97	4.97	Matches the source	16 Sept 2026
30-year fixed mortgage	6.76	6.76	Matches the source	16 Sept 2026
IRS — 401(k) contribution limits	2026	—	Source unreachable	17 Sept 2026
IRS — annual inflation adjustments	2026	—	Source unreachable	17 Sept 2026
Stored tax constants match the published Revenue Procedures	98	98	Matches the source	17 Sept 2026
1-year Treasury constant maturity	4.37	4.37	Matches the source	16 Sept 2026

Oldest observation currently published anywhere on the site: Market series sec_deposits_c, observed 2011-03-31 (5649 days ago).

7 figures are currently hidden rather than shown unverified.

Think Bigger Today is not a lender, bank, insurer or licensed adviser. Estimates on this site are informational and are not an offer of credit. Verify every figure with a licensed professional before making a financial decision.

Think Bigger Today keeps its editorial standards independent of commercial relationships. This review was written by our team using publicly available information, including regulatory filings and published rate sheets. the named company did not review, approve or endorse it, and is not responsible for its accuracy. Companies that work with us commercially get no preferential coverage, scoring or placement. This page may link to our free matching service, for which we can be paid a referral fee — that fee never decides what we publish, and you may or may not be matched with the named company. Figures can change without notice; always confirm the current terms with the provider. Nothing here is financial, legal or tax advice.