Lender pages first
We prioritize the public mortgage/rate pages of banks and credit unions. A third-party aggregator may help discovery, but it is not used as the authoritative rate when a lender source is available.
METHODOLOGY
Source first. Label the uncertainty.
The point of Mortgage Intelligence is not to manufacture a “best mortgage” claim. It is to make public lender information easier to compare while preserving the conditions and uncertainty around it.
Keep unlike products separate
Fixed, variable, high-ratio, open/closed and posted/special rates are not treated as interchangeable. Where conditions are unclear, we link to the lender rather than force a comparison.
Cashback is not a rate
Cashback and bundle offers are displayed in the specials tracker rather than blended into the interest-rate table.
No number means no invented number
If a lender page dynamically loads a rate and the public retrieval layer does not expose it reliably, the field is marked dynamic and the official source is provided.
Every snapshot is dated
The rate data file carries a snapshot date. Rate pages can change after that date, so the lender’s live page always controls.
Research, not suitability
ARQS does not approve borrowers, determine affordability, recommend a lender or provide a personalized mortgage quote through this product.