Mortgage Rate Lookup

Multi-lender mortgage rate comparison tool. Scrapes real rates from 13 lenders + 2 national benchmarks (Freddie Mac PMMS, Mortgage News Daily), ranks them lowest to highest, and tracks day-over-day changes.

What It Does

• Scrapes 13 lenders via patchright stealth browser (headless Chromium)
• Pulls Freddie Mac PMMS via direct CSV API (no browser)
• Pulls Mortgage News Daily via urllib (no browser)
• Compares 30yr fixed, 15yr fixed, ARM, FHA, VA products
• Ranks by lowest rate with APR
• Tracks 90-day rolling history for day-over-day change detection
• Outputs clean text report to stdout (pipe to Discord/Slack/email)

Setup

pip install patchright
python3 -m patchright install chromium

Create config.json in the skill directory:

{
  "zip_code": "YOUR_ZIP"
}

Usage

# Headless, automated lenders only
python3 mortgage_rate_report.py

# Override ZIP code
python3 mortgage_rate_report.py --zip 90210

# Visible browser for debugging
python3 mortgage_rate_report.py --headed

Architecture

Two-tier fetching

1. Tier 1 — Direct APIs (no browser): Freddie Mac CSV + MND HTML via urllib. Fastest.
2. Tier 2 — Stealth browser: 13 lenders via patchright. Parallel batches of 4, sequential retry on failure.

Retry logic

• Batches of 4 lenders in parallel
• Failed lenders retry sequentially (up to 3 attempts)
• Wait schedule: 8s → 12s → 15s

Rate extraction

Regex patterns find rate/APR pairs for each product type. Rates validated between 3.0% and 12.0%.

Output Example

=== Mortgage Rate Report (2026-04-06) ===
ZIP: 12540

30-Year Fixed (lowest → highest):
  Freddie Mac PMMS:  6.65%
  Rocket Mortgage:   6.75% (APR 6.82%)  ▼ -0.125
  Wells Fargo:       6.875% (APR 6.94%)
  Chase:             6.99% (APR 7.05%)  ▲ +0.125
  ...

15-Year Fixed (lowest → highest):
  ...

Cron Integration

Works as an OpenClaw cron job — outputs to stdout, OpenClaw delivers to Discord/Telegram.

Dependencies

• patchright (stealth Chromium automation)
• Python 3.10+ stdlib only beyond that

Lenders Covered

Automated (headless): Rocket, Wells Fargo, Chase, Bank of America, US Bank, Citizens, PNC, Navy Federal, USAA, TD Bank, Guaranteed Rate, New American Funding, loanDepot

Benchmarks: Freddie Mac PMMS, Mortgage News Daily