Compliance Disclosure

Last reviewed: April 18, 2026. This page will be updated as regulatory frameworks evolve or our operational practices change.

Our Regulatory Identity

30YearMortgageRates.com is a digital publisher of informational mortgage market data. We are not any of the following, and nothing on this site should be construed as any of the following:

  • We are not a lender. We do not originate, fund, underwrite, service, or acquire mortgage loans. We do not extend credit of any kind.
  • We are not a creditor within the meaning of the Truth in Lending Act (15 U.S.C. §1602(g)) or Regulation Z (12 CFR §1026.2). We do not regularly extend consumer credit and do not advertise or offer specific credit terms.
  • We are not a mortgage broker. We do not arrange loans between borrowers and lenders. We do not negotiate loan terms. We do not receive compensation for any borrower-lender introduction.
  • We are not a referral platform within the meaning of RESPA (12 U.S.C. §2607) or Regulation X (12 CFR §1024.14). We do not accept payment for referrals of settlement-service business. We do not track, score, or route consumer contact information to lenders.
  • We are not a financial advisor, mortgage counselor, HUD-approved housing counselor, or fiduciary. Nothing on this site constitutes financial advice, credit counseling, or a recommendation to obtain, refinance, or refrain from obtaining any mortgage product.

We are an advertising-supported information publisher. Our regulatory posture follows accordingly.

RESPA Compliance (Section 8)

Section 8 of the Real Estate Settlement Procedures Act (12 U.S.C. §2607) prohibits payment of fees, kickbacks, or things of value in exchange for referrals of settlement-service business. 30YearMortgageRates.com does not accept referral-based compensation of any kind. Our commercial model is the following, and only the following:

Licensed mortgage lenders may purchase a flat-fee advertising placement on one or more of our city or state pages. The fee is a fixed monthly subscription. The fee does not vary based on:

  • the number of inquiries the lender receives from the placement;
  • the number of loans the lender originates, funds, or closes;
  • whether any consumer who viewed the placement became a borrower of the lender;
  • the dollar volume of any loans the lender originates; or
  • any other outcome-based metric.

The fee is the same whether the placement generates zero inquiries or one thousand inquiries. The fee is the same whether the lender closes zero loans or one hundred loans. The fee is paid for the advertising display itself, which is the settled interpretation of “bona fide compensation for goods or services actually furnished or for services actually performed” under the RESPA §8(c)(2) safe harbor.

We do not collect, store, or transmit consumer contact information to sponsored lenders. Any consumer who wishes to contact a sponsored lender does so by clicking the lender’s published website link or telephone number, which routes the consumer directly to the lender’s own consumer-facing intake channels. We receive no record of, and no compensation from, that contact.

TILA / Regulation Z Compliance

Because 30YearMortgageRates.com is not a creditor and does not advertise specific credit offers, the advertising disclosure requirements in Regulation Z §1026.16 (open-end) and §1026.24 (closed-end) do not attach to our published content. Nevertheless, we adhere to the following practices consistent with TILA’s consumer protection objectives:

  • Rate figures are national or regional informational averages, not offers. Every rate value published on this site is sourced from the Freddie Mac Primary Mortgage Market Survey (PMMS) weekly release. Every rate display includes a visible disclosure that the figure is informational and does not constitute a credit offer.
  • No specific trigger terms within the meaning of §1026.24(d) appear on our site absent the full §1026.24(d)(2) disclosures, because we do not advertise specific loan terms. We do not publish APRs, down payment percentages, payment amounts, or finance charges tied to any specific lender or specific loan product.
  • No “up to” or “as low as” language is used to characterize our market-average rate figures. Market-average figures are presented as an approximate central tendency with an explicit ±15 basis-point regional spread, disclosed plainly, with the Freddie Mac PMMS source cited.
  • No teaser rates, introductory rates, or promotional rates of any kind are published on this site.

Data Sourcing

All published rate figures are derived from one or more of the following authoritative sources:

  • Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national survey of 30-year fixed conventional mortgage rates, published each Thursday at 11:00 AM Eastern. Retrieved via the Federal Reserve Economic Data (FRED) API, series MORTGAGE30US.
  • FHFA County Loan Limits — annual publication of county-level conforming and high-balance loan limits under the Federal Housing Finance Agency’s statutory authority.
  • Fannie Mae and Freddie Mac settlement data — weekly mortgage-backed security settlement averages where relevant to secondary-market context.

Our rate data is reviewed and refreshed on a weekly cadence tied to the PMMS release. The lastReviewed field on every published page displays the most recent review date. See our Methodology page for the full computation procedure.

Equal Credit Opportunity and Fair Housing

30YearMortgageRates.com supports equal opportunity in mortgage credit and housing. We do not discriminate in our published content on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance income, familial status, disability, sexual orientation, or gender identity.

We display the Equal Housing Opportunity logo in our site footer. We do not restrict our published informational rate content by protected class. Sponsored lenders are required to attest, as a condition of placement, that they operate in compliance with the Equal Credit Opportunity Act (ECOA / 15 U.S.C. §1691), Regulation B (12 CFR §1002), and the Fair Housing Act (42 U.S.C. §3601 et seq.).

State Compliance

Where applicable, 30YearMortgageRates.com complies with state-level advertising disclosure requirements, including but not limited to:

  • California — California DFPI mortgage advertising guidance and California Consumer Privacy Act (CCPA) disclosures.
  • Texas — Texas SML advertising rules and Texas Finance Code provisions applicable to residential mortgage advertising.
  • New York — New York DFS advertising disclosure and prohibition provisions in 3 NYCRR §38.
  • Illinois — Illinois Residential Mortgage License Act advertising standards.
  • Florida — Florida OFR Ch. 494 residential mortgage lending advertising rules.

Sponsored lenders who appear on a city or state page are required to hold active licensure in that state as a condition of their placement. Licensure is verified against the Nationwide Multistate Licensing System & Registry (NMLS) at the time of onboarding and re-verified annually.

Your Rights

How can I report an error or inaccuracy on this site?

Use the form on our Contact page. All reports are reviewed by a named editor within two business days. Verified corrections are live within one business day of review. See our Methodology page for the corrections process.

Do you collect personal information about me?

Standard server logs (IP address, user agent, referrer, request path) are retained for 30 days for security and analytics purposes. We do not use tracking cookies that route consumer data to lenders. We do not maintain consumer contact lists for resale or lead generation. Our Privacy Policy documents the full data-handling practice.

Can I opt out of any data collection?

Yes. Send a written request to the address listed on our Contact page. California, Colorado, Connecticut, Virginia, and Utah residents have additional statutory rights summarized in our Privacy Policy.

Does this site provide financial advice?

No. Nothing on this site — including rate data, methodology explanations, educational content, or responses to consumer inquiries — constitutes financial advice, credit counseling, or a recommendation to obtain or refinance a specific loan. Consumers should consult a HUD-approved housing counselor (HUD counselor directory) or a licensed financial professional for individualized guidance.

Updates to This Disclosure

This disclosure will be updated when our operational practices change or when applicable regulatory frameworks are modified. Material changes will be announced on the homepage for at least 30 days prior to effect. The review date at the top of this page reflects the last full review; the effective date of any material change will be stated inline.

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