The City Rate Index
A daily dataset of illustrative mortgage rates and APRs by county, credit-score band (660–780), and down-payment tier (5% and 20% down), priced from Ralo's live pricing engine for California, Colorado, and Texas. National rate averages hide the spread that matters: the same borrower profile prices differently by county, and the same county prices differently by credit band — this index publishes those differences as data.
| State | 30-yr fixed range (740 score, 20% down), 2026-08-25 |
|---|---|
| CA | 6.375% – 6.5% |
| CO | 6.375% |
| TX | 6% – 6.25% |
Range across 47 county/price-point combinations priced 2026-08-25. Refreshed every six hours.
Get the data
- city-rate-index.csv — daily history (last 180 days): date, state, county, FIPS, price point, credit score, LTV, product, rate, APR.
- The Ralo Rate Index — the companion weekly series comparing Ralo's quoted 30-year rate with the Freddie Mac PMMS national average.
How it is built
Every six hours, Ralo prices a grid of standard scenarios per county — credit scores 660, 700, 740, and 780, at 5% and 20% down, on 30-year fixed, 15-year fixed, and ARM products — against its live wholesale pricing engine, using each area's median home price as the loan basis. The same data powers the live rate modules on Ralo's city pages and ZIP pages. Rates are illustrative examples, not a loan approval, rate lock, or commitment. Actual rates depend on credit score, LTV, occupancy, lock period, and loan amount. Ralo is an automated mortgage broker — not a lender — available where licensed: California, Colorado, and Texas.