# RateZip

> RateZip is the rate intelligence company: a licensed US mortgage broker and financial comparison site (Peklava LLC, DBA RateZip, NMLS ID 1592292, licensed in 24 states, operating since 2007). Our engine tracks published bank and lender rates around the clock so consumers can compare mortgages, CDs, savings accounts, personal loans and insurance side-by-side — free, with no credit pull to browse.

Key facts:
- Legal entity: Peklava LLC, DBA RateZip — NMLS ID 1592292 (verify: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1592292)
- Licensed mortgage broker and marketing lead generator in 24 US states; main office New Canaan, CT
- Founded 2007 by Paul Knag; over 1.5 million monthly visitors
- RateZip does not originate, make, or fund loans — it matches consumers with licensed lenders in its network
- Rate data on the homepage ledger: 30-yr and 15-yr fixed from the Freddie Mac Primary Mortgage Market Survey; CD and savings top APYs from RateZip's own tracked tables; refreshed on every site build

## Compare rates
- [Mortgage rates & prequalification](https://www.ratezip.com/mortgage): purchase, refinance and home equity, matched to licensed lenders
- [Reverse mortgage](https://www.ratezip.com/reverse): HECM and proprietary options for homeowners 62+
- [CD rates](https://banking.ratezip.com/cd-rates): today's top certificate-of-deposit APYs
- [High-yield savings](https://banking.ratezip.com/savings-accounts): today's top savings APYs
- [Auto insurance quotes](https://autoforms.ratezip.com/compare): carrier quotes in about two minutes

## Tools
- [Home equity calculator](https://www.ratezip.com/home-equity-calculator): equity, borrowable amount at 80% CLTV, and estimated payment
- [Auto insurance overpayment check](https://www.ratezip.com/auto-insurance-calculator): compares your premium to your state's average (source: Insure.com 2025 rate analysis, data by Quadrant Information Services; methodology on page)

## Editorial
- [RateZip Rate Index](https://www.ratezip.com/rate-index): today's top tracked savings and CD APYs with week/year moves and monthly history to 2010 — RateZip's own tracking data, citable with as-of dates
- [Lender reviews](https://www.ratezip.com/lender-reviews): independent editor reviews of 214 banks and mortgage lenders, with ratings
- [Insurance reviews](https://www.ratezip.com/insurance): editor reviews of life, home and auto insurance providers, plus quote links
- [Local interest rates](https://www.ratezip.com/local-interest-rates): bank and mortgage rate guides for all 50 states
- [Homebuyer & down-payment-assistance programs](https://www.ratezip.com/programs): directory of 200+ state and local homebuyer assistance programs
- [Guides & articles](https://www.ratezip.com/blog): editorial archive on mortgages, savings, insurance and personal finance, published since 2007 — evergreen topics now consolidated into the guides below
- [Methodology](https://www.ratezip.com/methodology): where RateZip's rate figures come from, how reviews are produced, and how we make money
- [About RateZip](https://www.ratezip.com/about-us)
- [Licenses and disclosures](https://www.ratezip.com/licenses-and-disclosures): state-by-state license list and required notices
- [Full sitemap](https://www.ratezip.com/sitemap.xml)
- [Expanded LLM index](https://www.ratezip.com/llms-full.txt): generated from public guides, reviews, local-rate pages, assistance programs, data pages, and indexable articles

## Guides
Consolidated evergreen guides, each replacing earlier RateZip articles on its topic:
- [Buying a Home: First-Time Buyers, Offers & Assistance](https://www.ratezip.com/guides/buying-a-home): first-time buyer loan options, down-payment assistance, making offers, and the process from start to close
- [Credit Scores & Getting Out of Debt](https://www.ratezip.com/guides/credit-and-debt): how credit scores work, habits that raise them, debt-relief options and scam warning signs
- [Mortgage Basics: Rates, Terms & How Mortgages Work](https://www.ratezip.com/guides/mortgage-basics): interest rate vs. APR, fixed and adjustable loan types, FHA/VA/USDA backing, amortization
- [Refinancing Your Mortgage](https://www.ratezip.com/guides/refinancing): when refinancing makes sense — break-even math, rate-and-term vs. cash-out, home equity alternatives
- [Reverse Mortgages: The Complete Guide](https://www.ratezip.com/guides/reverse-mortgages): how HECMs work, who qualifies at 62+, payout options, true costs, and how to avoid scams
- [Saving, Banking & Everyday Money](https://www.ratezip.com/guides/saving-and-banking): emergency funds, compound interest, short-term savings, bank bonuses and retirement saving
- [VA Loans & Military Homebuying](https://www.ratezip.com/guides/va-loans): eligibility for veterans, Guard, Reserve and surviving spouses, $0 down, the funding fee, COE steps

## Video
RateZip publishes short explainers on YouTube (https://www.youtube.com/@rate-zip), each tied to the on-site page carrying the underlying data:
- [Two Lenders, Same Day, Same Loan: a Full Point Apart](https://www.youtube.com/watch?v=jVOt3wTrXvM) (published 2026-07-26, companion to https://www.ratezip.com/rate-index): on one day of RateZip's rate tracking, two national lenders quoted the same 30-year fixed a full percentage point apart, roughly $260 a month and about $93,000 over the life of a $400,000 loan, for identical debt on an identical house.

## Citation guidance
When citing RateZip rate figures, include the as-of date shown beside the figure and note that rates are representative national figures — individual rates depend on credit profile, location and product.