Show HN: I built a dashboard to compare mortgage rates across 120 credit unions

Re:Show HN: I built a dashboard to compare mortgage rates ac... by calmworm on Wednesday December 03, 2025 @10:23PM (#46143458)

Cool concept, but it doesn’t account for assumptions the sites make when displaying rates. Not something to you can really account for across the board though is it? Like “assuming a $300k loan on a home valued at $600k” to get a low 5’s rate… for example.

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Re:Show HN: I built a dashboard to compare mortgage rates ac... by mhashemi on Wednesday December 03, 2025 @10:55PM (#46143650)

Definitely. Unlikely that anyone starting here will get exactly the estimated monthly payment, especially as it takes time to lock in a rate and rates can change daily. What it does do is only use APRs to give as much of an apples-to-apples comparison as can be had. Click any entry in the table to go through to the CU's site, which usually has some means of getting a more accurate rate and/or quote.

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Re:Show HN: I built a dashboard to compare mortgage rates ac... by calmworm on Friday December 05, 2025 @01:03PM (#46164876)

Right. It’s not a problem with the tool per se, just sort of a grey-area as far as transparency of rates for the lenders.

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