mhashemi

I was just thinking this! https://www.linkedin.com/feed/update/urn:li:activity:7514383...

Easy on the integrator, easy on the maintainer, that's the idea. Especially with agents reading changelogs these days, time is the best human-legible heuristic.

Not sure how embarrassed to be by this, but when I don't recall knowing that when I first published calver.org. Despite having read the semver doc a dozen times at least...

A decade already, and the times have never been more timely. Apple, Nvidia, and many more on board, don't forget to check out the long-overdue timeline: https://calver.org/timeline.html

For a long time, GitHub's dash was my most refreshed "social" homepage. The new experience isn't bad, and the feed is still there, but just broken out. But now that it's not the default, I fear the ship has fully sailed and sunk on GitHub as a social network, sadly. Am I the only one that thinks it's weird that I have to go to LinkedIn and Discord (and sometimes even email) to chat with my collaborators?

HN comment thread surprisingly well-educated on Steinem's intelligence history, bravo!

I've got my reservations about lazy imports, but scipy in particular is such a memory hog, I've increasingly been vendoring smaller utilities out of it. Good lazy imports would be a big help.

This kind existed for a while in the USA. Current admin turned off the data stream: https://www.consumerfinance.gov/owning-a-home/explore-rates/

I'd say the exact rate as displayed might not matter as such. It's more a discovery tool for folks to find a competitive CU that they're eligible for. If the CU looks good for one type of rate, it's probably worth exploring for others.

Real talk, it's so hard to find TOTP 2FA in banking.

Yeah, it's partially automated. It doesn't use firecrawler or any other services (other than Render for hosting).

That's actually where I started! Majority (but not all) of the institutions present on the dashboard are from the CUMA :) I don't technically crawl that portal, but their robots.txt certainly seems to encourage it. Great resource.

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.

Those are just some medians I either Googled or LLM'd to act as defaults. You can click that sentence and change all those values to estimate.

Love a public rates page. Added to my list for tomorrow.

Thanks, and thanks for the heads up! Feel free to shoot me a screenshot/more browser details if you don't mind: [email protected]

The data table is based on https://svelte-headless-table.bryanmylee.com/

It's more manual than you might think! Sent a message to the email in your profile with more details :)

If you'd like, I'd be happy to add that CU to the roster. Hoping to do more to make the full range of market options more mainstream.

Oh snap! I was just looking at originationdata.com this week! So awesome. I had originally hoped HMDA data was more than annual, but no luck. It's also a shame that the current admin turned off the data stream here: https://www.consumerfinance.gov/owning-a-home/explore-rates/

I thought maybe you'd been hit by that update, but even more bummed to hear Google enshittification struck again.

The more the merrier, but as far as I can tell, there are no public rates listed on the CommunityAmerica CU site. All behind a "get in touch" interact: https://www.communityamerica.com/personal/borrow/resources/m...

Yes, extremely, especially for confirming loans: https://singlefamily.fanniemae.com/originating-underwriting/...

Patrick McKenzie (https://news.ycombinator.com/user?id=patio11) has a great deep dive on this: https://www.bitsaboutmoney.com/archive/mortgages-are-a-manuf...

Closing/switching costs are certainly a consideration still, but the "Truth in Lending Act" (TILA) made it easier to compare the all-in cost by providing a standardized APR number, which is what the dashboard focuses on.

Haha, my uncreative username betrays me once again. Small world! Congrats on founding to you, too!

Yeah, there's a somewhat wide variance in CUs, in terms of rates, quality of service, etc. I called a few just to spot check and these public rates are supposedly about as good as they can do. From what I gather, even the large CUs (like Transportation FCU) just don't have that sophisticated of an operating model.

Thanks! Re: DSCRs, point me to the data!

Pushing a fix to this now. Assuming we're seeing the same thing: clicking the checkbox doesn't work, but clicking the label should. Should be right as rain shortly. Thanks!

Haha, wait until you hear about our fancy 50-year mortgages we'll be getting any day now!

But seriously, my favorite discovery when researching CU mortgages is the prevalence of the 15/15 ARM. It's fixed for 15 years, and then adjusts once. Most people refinance within 7 years, or move within 12. So it's like a 30Y fixed, but comes in at 20 basis points cheaper (0.2% lower APR).

If that's the future you're waiting for, you'll be waiting for a while. Better to get back in control now ;)

supjeff, the author has screenshots of linkedin convos transacting with other businesses. there are also actual users on the product hunt site. the grift is real, and not just on LinkedIn.