mhashemi

I've got my reservations about lazy imports, but scipy in particular is such a memory hog, I've increasingly been vendoring smaller utilities out of it. Good lazy imports would be a big help.

This kind existed for a while in the USA. Current admin turned off the data stream: https://www.consumerfinance.gov/owning-a-home/explore-rates/

I'd say the exact rate as displayed might not matter as such. It's more a discovery tool for folks to find a competitive CU that they're eligible for. If the CU looks good for one type of rate, it's probably worth exploring for others.

Real talk, it's so hard to find TOTP 2FA in banking.

Yeah, it's partially automated. It doesn't use firecrawler or any other services (other than Render for hosting).

That's actually where I started! Majority (but not all) of the institutions present on the dashboard are from the CUMA :) I don't technically crawl that portal, but their robots.txt certainly seems to encourage it. Great resource.

Definitely. Unlikely that anyone starting here will get exactly the estimated monthly payment, especially as it takes time to lock in a rate and rates can change daily. What it does do is only use APRs to give as much of an apples-to-apples comparison as can be had. Click any entry in the table to go through to the CU's site, which usually has some means of getting a more accurate rate and/or quote.

Those are just some medians I either Googled or LLM'd to act as defaults. You can click that sentence and change all those values to estimate.

Love a public rates page. Added to my list for tomorrow.

Thanks, and thanks for the heads up! Feel free to shoot me a screenshot/more browser details if you don't mind: blog@finfam.app

The data table is based on https://svelte-headless-table.bryanmylee.com/

It's more manual than you might think! Sent a message to the email in your profile with more details :)

If you'd like, I'd be happy to add that CU to the roster. Hoping to do more to make the full range of market options more mainstream.

Oh snap! I was just looking at originationdata.com this week! So awesome. I had originally hoped HMDA data was more than annual, but no luck. It's also a shame that the current admin turned off the data stream here: https://www.consumerfinance.gov/owning-a-home/explore-rates/

I thought maybe you'd been hit by that update, but even more bummed to hear Google enshittification struck again.

The more the merrier, but as far as I can tell, there are no public rates listed on the CommunityAmerica CU site. All behind a "get in touch" interact: https://www.communityamerica.com/personal/borrow/resources/m...

Yes, extremely, especially for confirming loans: https://singlefamily.fanniemae.com/originating-underwriting/...

Patrick McKenzie (https://news.ycombinator.com/user?id=patio11) has a great deep dive on this: https://www.bitsaboutmoney.com/archive/mortgages-are-a-manuf...

Closing/switching costs are certainly a consideration still, but the "Truth in Lending Act" (TILA) made it easier to compare the all-in cost by providing a standardized APR number, which is what the dashboard focuses on.

Haha, my uncreative username betrays me once again. Small world! Congrats on founding to you, too!

Yeah, there's a somewhat wide variance in CUs, in terms of rates, quality of service, etc. I called a few just to spot check and these public rates are supposedly about as good as they can do. From what I gather, even the large CUs (like Transportation FCU) just don't have that sophisticated of an operating model.

Thanks! Re: DSCRs, point me to the data!

Pushing a fix to this now. Assuming we're seeing the same thing: clicking the checkbox doesn't work, but clicking the label should. Should be right as rain shortly. Thanks!

Haha, wait until you hear about our fancy 50-year mortgages we'll be getting any day now!

But seriously, my favorite discovery when researching CU mortgages is the prevalence of the 15/15 ARM. It's fixed for 15 years, and then adjusts once. Most people refinance within 7 years, or move within 12. So it's like a 30Y fixed, but comes in at 20 basis points cheaper (0.2% lower APR).

If that's the future you're waiting for, you'll be waiting for a while. Better to get back in control now ;)

supjeff, the author has screenshots of linkedin convos transacting with other businesses. there are also actual users on the product hunt site. the grift is real, and not just on LinkedIn.

Show HN! Or, another commenter mentioned peerlist. But the real answer is (from the post): wherever your customers are.

Yep, from a founder's perspective PH is mostly an SEO thing. I'm not sure if it's the _best_ SEO thing, but I guess that's part of being a first-time founder!

Re: feeling too frugal, my friends came up with a name for it, "poor man brain" lol. I talk a little about it here: https://sedimental.org/announcing_finfam.html

Yes, DIT is dead on. Though not completely for free. Front page is gonna cost ya $100-200.

And they're still sticking to the kitty 10 years later? There are kids launching apps born after the extinction of Google Glass.

AlternativeTo is full of SaaS apps! If you're not finding one, you should join and add it :)

Woooow, there are so many! Impressive list, but do any of them work?

Well, it's not a bad thesis in 2014. They seem to have had a pretty big hand in killing their baby in 2022, by bundling it with a crypto startup with a URL that already fails to DNS resolve <3 years later: https://a16z.com/announcement/investing-in-prologue/

Exactly. The PH docs make a big deal about having a video demo, too. Then they go ahead and hand-pick launches to feature that don't even meet that criterion. And for what?