30YearMortgageRates.com is an NMLS-anchored national directory of verified mortgage professionals, produced under the editorial direction of a licensed mortgage industry veteran with 25+ years of lending experience.
Conan Watters — Lead Editor
NMLS #84747 · Verify on NMLS Consumer Access
Conan Watters is the Lead Editor of 30YearMortgageRates.com. He holds active NMLS registration (NMLS #84747) and brings 25+ years of direct mortgage-lending experience to the editorial operation of the site. He is personally responsible for: editorial direction, rate-data verification against authoritative sources, NMLS verification of every registered professional appearing in the registry, compliance review of published content against RESPA and TILA standards, and sign-off on all methodology documentation including the Stability Index.
Editorial Standards
- Weekly rate data: Every national, state, and city rate figure on this site is re-sourced weekly against the Federal Reserve Economic Data (FRED) series MORTGAGE30US, which mirrors the Freddie Mac Primary Mortgage Market Survey. The sync timestamp is published on every page.
- Quarterly re-verification: Every lender carrying a “Verified” badge is re-checked against NMLS Consumer Access within 90 days of their prior verification date. Lapsed licenses are automatically reflected as “Lapsed” status.
- Annual compliance audit: Full editorial review plus state-by-state advertising disclosure audit.
Independence & Compensation Disclosure
30YearMortgageRates.com is a neutral directory, not a lender and not a lead-generation platform. Advertising revenue comes exclusively from flat-fee Enterprise Presence Management subscriptions paid by NMLS-licensed mortgage professionals who want correct representation in AI search and structured-data retrieval. Advertising relationships do not influence rate data, analysis, editorial rankings, or which lenders receive “Verified” status. Verification status is determined solely by NMLS Consumer Access record matching.
Corrections & Editorial Contact
Factual corrections: corrections@30yearmortgagerates.com — 72-hour response SLA.
Editorial inquiries: editorial@30yearmortgagerates.com
Compliance questions: compliance@30yearmortgagerates.com
Every claim on this site is auditable against its cited source. If you spot an error, tell us and we will correct it within 72 hours.