{
  "updated": "2026-08-07",
  "countries": {
    "US": {
      "asOf": "2026-08-06",
      "source": {
        "name": "Freddie Mac Primary Mortgage Market Survey",
        "url": "https://www.freddiemac.com/pmms"
      },
      "note": "Weekly national averages for conventional loans with strong credit.",
      "quotes": [
        {
          "id": "us-30-fixed",
          "label": "30-year fixed",
          "caption": "National average",
          "ratePct": 6.69,
          "years": 30,
          "asOf": "2026-08-06"
        },
        {
          "id": "us-15-fixed",
          "label": "15-year fixed",
          "caption": "National average",
          "ratePct": 6.01,
          "years": 15,
          "asOf": "2026-08-06"
        }
      ],
      "posted": null
    },
    "CA": {
      "asOf": "2026-08-06",
      "source": {
        "name": "Bank of Canada (Valet API)",
        "url": "https://www.bankofcanada.ca/valet/docs"
      },
      "note": "Canadian rates are quoted for the term you lock, not the amortization, and are compounded semi-annually.",
      "quotes": [
        {
          "id": "ca-5-fixed",
          "label": "5-year fixed",
          "caption": "Typical market rate",
          "ratePct": 4.29,
          "years": null,
          "asOf": "2026-06-02"
        },
        {
          "id": "ca-5-variable",
          "label": "5-year variable",
          "caption": "Estimated variable rate",
          "ratePct": 3.62,
          "years": null,
          "asOf": "2026-08-06"
        }
      ],
      "posted": {
        "ratePct": 6.09,
        "asOf": "2026-08-05",
        "label": "Chartered bank posted 5-year"
      }
    }
  },
  "disclaimer": "Averages from public sources, refreshed on a schedule. Estimates for planning, not a rate offer."
}