{
  "name": "financely rates",
  "description": "Interest rates from authoritative public sources, each carrying the date its publisher observed it and the date we fetched it. No interpolation, no estimates, no carried-forward values.",
  "fetchedAt": "2026-09-23T16:42:19.576Z",
  "sources": [
    {
      "id": "treasury-par-yield",
      "name": "US Treasury daily par yield curve",
      "publisher": "U.S. Department of the Treasury",
      "homepage": "https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve",
      "cadence": "daily (business days)",
      "license": "US federal government work, public domain",
      "asOf": "2026-09-22"
    },
    {
      "id": "freddie-pmms",
      "name": "Freddie Mac Primary Mortgage Market Survey",
      "publisher": "Freddie Mac",
      "homepage": "https://www.freddiemac.com/pmms",
      "cadence": "weekly (Thursdays)",
      "license": "Freddie Mac, free for non-commercial use with attribution",
      "asOf": "2026-09-17"
    }
  ],
  "rates": [
    {
      "instrument": "treasury-1mo",
      "ratePct": 3.97,
      "stateTaxExempt": true,
      "asOf": "2026-09-22",
      "sourceId": "treasury-par-yield"
    },
    {
      "instrument": "treasury-3mo",
      "ratePct": 4.16,
      "stateTaxExempt": true,
      "asOf": "2026-09-22",
      "sourceId": "treasury-par-yield"
    },
    {
      "instrument": "treasury-6mo",
      "ratePct": 4.26,
      "stateTaxExempt": true,
      "asOf": "2026-09-22",
      "sourceId": "treasury-par-yield"
    },
    {
      "instrument": "treasury-1yr",
      "ratePct": 4.43,
      "stateTaxExempt": true,
      "asOf": "2026-09-22",
      "sourceId": "treasury-par-yield"
    },
    {
      "instrument": "treasury-2yr",
      "ratePct": 4.71,
      "stateTaxExempt": true,
      "asOf": "2026-09-22",
      "sourceId": "treasury-par-yield"
    },
    {
      "instrument": "treasury-10yr",
      "ratePct": 4.96,
      "stateTaxExempt": true,
      "asOf": "2026-09-22",
      "sourceId": "treasury-par-yield"
    },
    {
      "instrument": "mortgage-30yr-fixed",
      "ratePct": 6.95,
      "stateTaxExempt": false,
      "asOf": "2026-09-17",
      "sourceId": "freddie-pmms"
    },
    {
      "instrument": "mortgage-15yr-fixed",
      "ratePct": 6.26,
      "stateTaxExempt": false,
      "asOf": "2026-09-17",
      "sourceId": "freddie-pmms"
    }
  ],
  "failures": []
}