[{"data":1,"prerenderedAt":600},["ShallowReactive",2],{"project-46139761":3},{"id":4,"name":5,"line":6,"line_source":7,"title":8,"url":9,"domain":10,"maker":11,"posted_at":12,"year":13,"points":14,"comments":15,"rank_in_year":16,"shown_in_year":17,"top":18,"tier":19,"category":20,"subcategory":21,"format":22,"keywords":23,"reception":28,"sentiment":29,"stance_mix":30,"scored_comments":35,"aspects":36,"strip":44,"post_text":46,"what":47,"said":83,"maker_in_thread":201,"shape":212,"grid":217,"attempts":564,"same_week":565,"maker_shows":34,"maker_hidden":593,"reader_version":594,"card":595},"46139761","finfam","A dashboard to compare mortgage rates across 120 credit unions","title","Show HN: I built a dashboard to compare mortgage rates across 120 credit unions","https:\u002F\u002Ffinfam.app\u002Fblog\u002Fcredit-union-mortgages","finfam.app","mhashemi",1764794127,2025,393,129,121,3837,4,"legend","finance_crypto","mortgage rate comparison","web_app",[24,25,26,27],"mortgage rates","credit unions","refinance calculator","mortgage comparison","curious",0.27,{"positive":31,"neutral":32,"mixed":33,"critical":34},11,18,1,3,33,{"docs":37,"pricing":39,"idea":40,"execution":41,"design":43},{"positive":38,"critical":33},0,{"positive":33,"critical":38},{"positive":34,"critical":38},{"positive":38,"critical":42},2,{"positive":33,"critical":38},[38,38,34,45,38,38,34,34,45,34,34,38,38,38,38,38,38,38,38,38,38,38,38,38,33,38,45,38,34,45,34,45,34,34,34,34,33,45,45,45],5,"When I bought my home, the big bank I'd been using for years quoted me 7% APR. A local credit union was offering 5.5% for the exact same mortgage.\n\nI was surprised until I learned that mortgages are basically standardized products – the government buys almost all of them (see Bits About Money: https:\u002F\u002Fwww.bitsaboutmoney.com\u002Farchive\u002Fmortgages-are-a-manufactured-product\u002F). So what's the price difference paying for? A recent Bloomberg Odd Lots episode makes the case that it's largely advertising and marketing (https:\u002F\u002Fwww.bloomberg.com\u002Fnews\u002Faudio\u002F2025-11-28\u002Fodd-lots-this-is-why-credit-card-rates-",{"problem":48,"audience":54,"pricing":63,"motivation":67,"time_to_build":71,"stack":72,"openness":81,"stage":82,"team_size":81},{"value":49,"source":50,"evidence":51},"Hard to compare mortgage rates across credit unions and banks","maker",[52],{"id":53},"post",{"value":55,"source":56,"evidence":57},"Homebuyers and refinancers shopping for mortgages","inferred",[58,59],{"id":53},{"id":60,"by":61,"text":62},"46142448","CommenterPerson","Nice Work! I found our credit union posts the mortgage rates clearly on a plain text like page. There's no BS and no games. Whereas with the big banks, you get the games and…",{"value":64,"source":50,"evidence":65},"No signup, no ads, no referral fees",[66],{"id":53},{"value":68,"source":50,"evidence":69},"Big bank quoted 7% while a credit union offered 5.5% for the same mortgage",[70],{"id":53},null,[73,77],{"value":74,"source":50,"evidence":75},"Python",[76],{"id":53},{"value":78,"source":50,"evidence":79},"Svelte\u002FSvelteKit",[80],{"id":53},"unknown","launched",{"praise":84,"objections":109,"requests":131,"questions":158,"alternatives":182},[85,98],{"value":86,"source":87,"evidence":88},"Useful resource for finding credit unions","commenter",[89,90,94],{"id":60,"by":61,"text":62},{"id":91,"by":92,"text":93},"46141803","duraace2","At first glance, this site seems fantastic! Great job! (As a side note, I've been reading Hacker news for years but have never been active; I created an account just to make this…",{"id":95,"by":96,"text":97},"46144576","ryandrake","Great work. I used to use Bankrate for this, but its UX has gone to shit over the past few years, so it's nice to have an alternative!",{"value":99,"source":87,"evidence":100},"Clean design and site",[101,105],{"id":102,"by":103,"text":104},"46142404","t_mann","Great initiative and beautiful site! Tiny nitpick, the wrapping of the controls above the table on my phone could probably be improved. What did you use for the table?",{"id":106,"by":107,"text":108},"46145959","robowo","This is awesome! I wish there was sth similar for Europe! In Germany you have to go to a morgage broker and trust that his self-interest is aligned with yours :D",[110,117,124],{"value":111,"source":87,"evidence":112},"Displayed rates ignore assumptions sites make about loan terms",[113],{"id":114,"by":115,"text":116},"46143458","calmworm","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…",{"value":118,"source":87,"evidence":119},"Default home price and cost assumptions unclear",[120],{"id":121,"by":122,"text":123},"46143440","throwaway2037","``` > Estimated monthly payment based on purchasing $400,000 home with 20% down, $567\u002Fmo taxes and insurance, and 1.65% closing costs. ``` Does anyone know the source of these…",{"value":125,"source":87,"evidence":126},"Rates dropdown broken with an ad blocker",[127],{"id":128,"by":129,"text":130},"46140770","ambicapter","\"Rates\" dropdown doesn't seem to work. I'm using uBlock Origin.",[132,143,154],{"value":133,"source":87,"evidence":134},"Add more credit unions",[135,138,142],{"id":136,"by":11,"text":137},"46142514","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.",{"id":139,"by":140,"text":141},"46141573","NortySpock","CU suggestion: Kansas City's largest, CommunityAmerica Credit Union https:\u002F\u002Fwww.communityamerica.com\u002Fabout-us",{"id":60,"by":61,"text":62},{"value":144,"source":87,"evidence":145},"Add commercial or investment property loan rates",[146,150],{"id":147,"by":148,"text":149},"46140757","aliljet","This is absolutely fantastic. I wish this included commercial loans like DSCRs...",{"id":151,"by":152,"text":153},"46150524","eagrt4tdg","Very nice! I would be great if there was also a way to see rates for investment properties.",{"value":155,"source":87,"evidence":156},"Add Europe or other markets",[157],{"id":106,"by":107,"text":108},[159,178],{"value":160,"source":87,"evidence":161},"Where does the rate data come from and how is it scraped",[162,166,170,174],{"id":163,"by":164,"text":165},"46142944","cubes","Curious, where did you source the data from? Did you just scrape the invidividual bank web sites?",{"id":167,"by":168,"text":169},"46142403","joshuamcginnis","Very cool. Can you tell us the tech and tools you used to reliably scrape? or get all of the rate data from the various websites?",{"id":171,"by":172,"text":173},"46143689","jameson","Love it! Where do you get the data?",{"id":175,"by":176,"text":177},"46143196","redindian75","Do you do daily scraping to get fresh data? or use services like firecrawler or something?",{"value":179,"source":87,"evidence":180},"Source of default mortgage cost assumptions",[181],{"id":121,"by":122,"text":123},[183,187,194],{"value":184,"source":87,"evidence":185},"Bankrate",[186],{"id":95,"by":96,"text":97},{"value":188,"source":87,"evidence":189},"originationdata.com",[190],{"id":191,"by":192,"text":193},"46142469","vgeek","Good idea. A few years back I built https:\u002F\u002Foriginationdata.com that compares mortgage lenders (both FDIC & FCUA members) using HMDA data. I modeled rates by lender, product type…",{"value":195,"source":87,"evidence":196},"Navy Federal public rates page",[197],{"id":198,"by":199,"text":200},"46142878","ralph84","Nice work. Navy Federal has always had competitive rates: https:\u002F\u002Fwww.navyfederal.org\u002Floans-cards\u002Fmortgage\u002Fmortgage-rates.html Membership requires a military connection in the…",{"comments":202,"answered":203,"key":204},19,7,[205,208,211],{"id":206,"text":207},"46142505","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…",{"id":209,"text":210},"46143419","Love a public rates page. Added to my list for tomorrow.",{"id":136,"text":137},{"commenters":213,"max_depth":214,"maker_replies":202,"first_comment_mins":215,"lifespan_hours":216},83,8,69,138,[218,220,221,223,226,228,231,233,235,239,242,245,246,247,250,253,257,260,263,265,267,270,272,275,278,280,284,287,289,290,294,296,299,303,305,307,309,311,313,315,318,320,323,325,328,331,334,337,339,341,343,345,348,351,353,356,358,361,364,367,370,373,376,378,381,384,387,389,391,393,395,398,400,403,406,409,412,415,418,421,423,426,428,432,435,439,442,446,448,452,455,457,461,463,466,470,472,475,477,479,481,482,485,488,490,492,495,498,500,503,505,507,510,512,514,518,521,523,525,527,529,531,536,541,543,545,549,553,557,560],[191,38,38,219,192,38],"other\u002Fneutral\u002Fnone",[206,38,38,219,11,33],[222,38,38,219,192,38],"46142553",[224,38,38,219,225,38],"46147221","ekjhgkejhgk",[227,38,38,219,192,38],"46149477",[229,38,38,219,230,38],"46147814","gbasin",[198,33,45,232,199,38],"project\u002Fpositive\u002Fnone",[209,33,38,234,11,33],"maker\u002Fneutral\u002Fnone",[236,33,33,237,238,38],"46146419","project\u002Fcritical\u002Fdocs","styanax",[240,33,38,219,241,38],"46148454","jp191919",[243,33,38,219,244,38],"46149956","FuriouslyAdrift",[60,42,45,232,61,38],[136,42,38,234,11,33],[248,42,38,219,249,38],"46143374","malnourish",[251,42,38,219,252,38],"46144807","gverrilla",[254,42,38,255,256,38],"46149137","commenter\u002Fneutral\u002Fnone","JumpCrisscross",[258,42,38,219,259,38],"46152121","ssl-3",[261,42,38,219,262,38],"46146217","seesaw",[264,42,38,219,259,38],"46152344",[121,34,34,266,122,38],"project\u002Fneutral\u002Fpricing",[268,34,34,266,269,38],"46143534","Will_Do",[271,34,38,266,11,33],"46143634",[273,34,34,266,274,38],"46143940","smt88",[276,34,38,255,277,38],"46149907","xboxnolifes",[279,34,38,219,244,38],"46149997",[281,34,38,282,283,38],"46150294","other\u002Fcritical\u002Fnone","potato3732842",[285,34,38,219,286,38],"46150432","sebmellen",[288,34,38,255,274,38],"46151405",[91,18,45,232,92,38],[291,45,34,292,293,38],"46141546","project\u002Fneutral\u002Fidea","satellite2",[295,45,38,292,11,33],"46141607",[297,45,34,234,298,38],"46141861","metabagel",[300,301,34,266,302,38],"46147944",6,"meesles",[304,301,38,255,283,38],"46148312",[306,301,38,255,256,38],"46149118",[308,301,38,255,283,38],"46149290",[310,301,38,255,256,38],"46149433",[312,301,38,255,283,38],"46150184",[314,301,38,255,256,38],"46152645",[316,301,38,219,317,38],"46149982","chrisBob",[319,301,38,255,256,38],"46150166",[321,203,38,219,322,38],"46140603","msuniverse2026",[324,203,38,266,11,33],"46140732",[326,203,38,255,327,38],"46141948","theendisney",[329,203,38,219,330,38],"46140891","denimnerd42",[332,203,38,219,333,38],"46141220","cortesoft",[335,203,38,219,336,38],"46142619","smeej",[338,203,38,219,333,38],"46143021",[340,203,38,219,336,38],"46166698",[342,203,38,219,330,38],"46183458",[344,203,38,219,336,38],"46205508",[346,203,38,219,347,38],"46142919","selcuka",[349,203,38,219,350,38],"46142935","hollerith",[352,203,38,219,333,38],"46141197",[354,203,38,219,355,38],"46141343","HPsquared",[357,203,38,219,333,38],"46141934",[359,203,38,219,360,38],"46143180","ipince",[362,203,38,219,363,38],"46143608","coliveira",[365,203,38,219,366,38],"46152245","edm0nd",[368,203,38,219,369,38],"46142210","cco",[371,203,38,255,372,38],"46141579","SerpentJoe",[374,203,38,255,375,38],"46141884","elmomle",[377,203,38,255,333,38],"46141973",[379,203,38,255,380,38],"46144144","vkou",[382,203,38,255,383,38],"46142295","sokoloff",[385,203,38,255,386,38],"46145333","AdamN",[388,203,38,255,383,38],"46147419",[390,203,38,255,103,38],"46142421",[392,203,38,255,333,38],"46143039",[394,203,38,255,363,38],"46143615",[396,203,38,219,397,38],"46143151","pragmatic",[399,203,38,219,283,38],"46149327",[401,203,38,255,402,38],"46143739","Rebelgecko",[404,203,38,255,405,38],"46145314","rockskon",[407,203,38,255,408,38],"46150076","mrweasel",[410,203,38,219,411,38],"46142152","IceDane",[413,203,38,219,414,38],"46142409","pkaye",[416,203,38,219,417,38],"46142674","venturecruelty",[419,203,38,219,420,38],"46145602","jackfranklyn",[114,214,33,422,115,38],"project\u002Fcritical\u002Fexecution",[424,214,38,425,11,33],"46143650","project\u002Fneutral\u002Fdocs",[427,214,38,255,115,38],"46164876",[429,430,38,219,431,38],"46144717",9,"Epa095",[433,430,38,434,11,33],"46152430","project\u002Fneutral\u002Fnone",[436,437,38,219,438,38],"46147257",10,"Loughla",[440,437,38,219,441,38],"46149542","morelandjs",[443,31,45,444,445,38],"46140930","maker\u002Fpositive\u002Fnone","latortuga",[447,31,38,255,11,33],"46140976",[449,450,38,219,451,38],"46147899",12,"JensRantil",[453,450,38,219,454,38],"46148003","amenghra",[456,450,38,219,283,38],"46148357",[458,459,38,219,460,38],"46140841",13,"bluGill",[462,459,38,434,11,33],"46140949",[163,464,34,465,164,38],14,"project\u002Fneutral\u002Fexecution",[467,468,34,434,469,38],"46143179",15,"lefstathiou",[471,468,38,434,11,33],"46143685",[147,473,45,474,148,38],16,"project\u002Fpositive\u002Fidea",[476,473,38,434,11,33],"46140832",[139,478,34,434,140,38],17,[480,478,38,434,11,33],"46141840",[106,32,45,474,107,38],[483,32,38,219,484,38],"46146018","bux93",[486,32,38,219,487,38],"46146868","rkachowski",[489,32,38,219,107,38],"46146966",[491,32,34,434,484,38],"46158725",[493,32,38,219,494,38],"46146083","dominicrose",[496,32,38,219,497,38],"46146875","modo_mario",[102,202,34,499,103,38],"project\u002Fmixed\u002Fdesign",[501,202,38,502,11,33],"46142559","project\u002Fneutral\u002Fdesign",[167,504,34,465,168,38],20,[506,504,38,465,11,33],"46142549",[508,504,34,234,509,38],"46143472","throwaway-0001",[151,511,34,292,152,38],21,[513,511,38,292,11,33],"46151855",[515,516,34,292,517,38],"46145300",22,"ta12653421",[519,516,34,266,520,38],"46145506","immy",[522,516,34,266,517,38],"46145991",[175,524,34,465,176,38],23,[526,524,38,465,11,33],"46143693",[128,528,33,422,129,38],24,[530,528,38,465,11,33],"46140825",[532,533,45,534,535,38],"46140852",25,"project\u002Fpositive\u002Fpricing","xnx",[537,538,38,539,540,38],"46143656",26,"other\u002Fpositive\u002Fnone","nunez",[542,538,38,234,11,33],"46144179",[171,544,34,465,172,38],27,[546,547,45,474,548,38],"46147678",28,"thedudeabides5",[550,551,45,232,552,38],"46143680",29,"chrisgd",[554,555,45,232,556,38],"46143232",30,"blackhaj7",[95,558,45,559,96,38],31,"project\u002Fpositive\u002Fdesign",[561,562,38,219,563,38],"46146745",32,"qazswx",[],[566,571,576,581,585,588],{"id":567,"name":568,"points":569,"category":570},"46093473","Boing",782,"games",{"id":572,"name":573,"points":574,"category":575},"46075882","banrays",509,"security_privacy",{"id":577,"name":578,"points":579,"category":580},"46135067","Fresh",187,"dev_tools",{"id":582,"name":583,"points":584,"category":580},"46090619","Nano PDF",176,{"id":586,"name":587,"points":584,"category":20},"46130260","HCB Mobile",{"id":589,"name":590,"points":591,"category":592},"46108557","Walrus",160,"infrastructure",false,"v2",{"id":596,"name":5,"line":6,"ai":593,"cat":20,"year":13,"points":14,"comments":15,"rec":28,"s":29,"top":18,"kw":597,"maker":11,"domain":10,"tier":19,"attempts":38,"strip":598,"url":9,"mix":599,"praise":86,"objection":111,"sub":21},46139761,[24,25,26,27],"0035003353300000000000001050353533331555",[31,32,33,34],1794036686820]