Editorial policy

Rate data is quoted, never re-keyed

National average mortgage rates are shown through Mortgage News Daily's own embedded widget, published by them, dated by them, and linked back to them. We do not scrape their site, retype their numbers, or present their data as ours. Bond-market indicators come from FRED (Federal Reserve Bank of St. Louis). Every figure carries its source and its as-of date.

Nothing on this site is a quote

We publish no rate table, no advertised APR, and no pricing of our own. Averages describe the market; they do not describe your loan. Any number here that looks like it could be mistaken for an offer is labelled with what it actually is.

Market pieces are dated and stay dated

A rate article is accurate for about a day. Every post carries a visible publication date and a machine-readable one, and we do not refresh the timestamp on an old piece to make it look current. When a story is superseded, we link forward to the newer one rather than rewriting history in place.

The affiliation is disclosed, always

This site shares common ownership with Bloom Lending, LLC and recommends them. That disclosure sits in the footer of every page, on the about page, and beside every call to action. No other lender, servicer, or vendor can pay for coverage, placement, or a favourable mention.

Corrections

When a published piece is materially wrong, we correct the article and say what changed and when, at the bottom of the piece. Typos get fixed silently; facts, figures, and conclusions do not.

What we will not publish

• Urgency manufactured out of nothing — countdown timers, "rates expire tonight", invented scarcity.
• A rate without the assumptions behind it.
• Predictions dressed as certainty. Nobody knows where rates go next, and the ones who claim to are selling something.
• Content generated without a human editor reading it against the source data.