{
  "updated": "2026-09-18",
  "note": "Average mortgage rates used as APR presets by /tools/mortgage.html. Refreshed by scripts/update-rates.py at deploy time; the page also refreshes the Canadian series live from the Bank of Canada.",
  "US": {
    "fixed30": {
      "rate": 6.95,
      "date": "2026-09-17",
      "label": "30-year fixed, Freddie Mac PMMS weekly average",
      "source": "https://fred.stlouisfed.org/series/MORTGAGE30US"
    },
    "fixed15": {
      "rate": 6.26,
      "date": "2026-09-17",
      "label": "15-year fixed, Freddie Mac PMMS weekly average",
      "source": "https://fred.stlouisfed.org/series/MORTGAGE15US"
    }
  },
  "CA": {
    "fixed5": {
      "rate": 4.29,
      "date": "2026-06-02",
      "label": "5-year fixed, high-ratio mortgage (Bank of Canada)",
      "source": "https://www.bankofcanada.ca/valet/observations/FVI_MTG_RATE_5Y_FIX/json"
    },
    "posted5": {
      "rate": 6.09,
      "date": "2026-09-16",
      "label": "5-year conventional, posted (Bank of Canada)",
      "source": "https://www.bankofcanada.ca/valet/observations/V80691335/json"
    },
    "variable": {
      "rate": 3.6,
      "date": "2026-09-17",
      "label": "Estimated variable rate (Bank of Canada)",
      "source": "https://www.bankofcanada.ca/valet/observations/BROKER_AVERAGE_5YR_VRM/json"
    }
  }
}