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Mortgage Rate Lookup

用 patchright 无头浏览器抓取 13 家贷款机构利率，并通过直连方式获取 Freddie Mac PMMS 与 Mortgage News Daily 基准，按 30 年固定、15 年固定、ARM、FHA、VA 等产品从低到高排序，保留 90 天历史用于日环比变化，最终把文本报告输出到标准输出。

seang1121
seang1121
热度 31.50
最近更新 2026-05-11 17:40:52
分类：数据依赖：代码执行 / 联网浏览搜索 / 第三方 API / 读写文件应用场景：财务 / 个人理财 / 报告撰写 / 推荐

安装技能

复制下面的话术发给你的 Agent，它会通过 secure-skills 检索并安装该技能。

执行命令安装此 skill： npx secure-skills-cli add mortgage-rate-lookup
Metadata
name
mortgage-rate-lookup
description
Multi-lender mortgage rate comparison — scrapes 13 lenders + Freddie Mac + Mortgage News Daily benchmarks, ranks lowest to highest, tracks day-over-day changes.
version
1.0.0
metadata
{"openclaw":{"requires":{"bins":["python3"]},"emoji":"🏠","homepage":"https://github.com/seang1121/Multi-Lender-Mortgage-Rate-Lookup","os":["macos","linux"],"install":[{"kind":"node","package":"patchright","bins":[]}]}}

Mortgage Rate Lookup

Multi-lender mortgage rate comparison tool. Scrapes real rates from 13 lenders + 2 national benchmarks (Freddie Mac PMMS, Mortgage News Daily), ranks them lowest to highest, and tracks day-over-day changes.

What It Does

  • Scrapes 13 lenders via patchright stealth browser (headless Chromium)
  • Pulls Freddie Mac PMMS via direct CSV API (no browser)
  • Pulls Mortgage News Daily via urllib (no browser)
  • Compares 30yr fixed, 15yr fixed, ARM, FHA, VA products
  • Ranks by lowest rate with APR
  • Tracks 90-day rolling history for day-over-day change detection
  • Outputs clean text report to stdout (pipe to Discord/Slack/email)

Setup

pip install patchright
python3 -m patchright install chromium

Create config.json in the skill directory:

{
  "zip_code": "YOUR_ZIP"
}

Usage

# Headless, automated lenders only
python3 mortgage_rate_report.py

# Override ZIP code
python3 mortgage_rate_report.py --zip 90210

# Visible browser for debugging
python3 mortgage_rate_report.py --headed

Architecture

Two-tier fetching

  1. Tier 1 — Direct APIs (no browser): Freddie Mac CSV + MND HTML via urllib. Fastest.
  2. Tier 2 — Stealth browser: 13 lenders via patchright. Parallel batches of 4, sequential retry on failure.

Retry logic

  • Batches of 4 lenders in parallel
  • Failed lenders retry sequentially (up to 3 attempts)
  • Wait schedule: 8s → 12s → 15s

Rate extraction

Regex patterns find rate/APR pairs for each product type. Rates validated between 3.0% and 12.0%.

Output Example

=== Mortgage Rate Report (2026-04-06) ===
ZIP: 12540

30-Year Fixed (lowest → highest):
  Freddie Mac PMMS:  6.65%
  Rocket Mortgage:   6.75% (APR 6.82%)  ▼ -0.125
  Wells Fargo:       6.875% (APR 6.94%)
  Chase:             6.99% (APR 7.05%)  ▲ +0.125
  ...

15-Year Fixed (lowest → highest):
  ...

Cron Integration

Works as an OpenClaw cron job — outputs to stdout, OpenClaw delivers to Discord/Telegram.

Dependencies

  • patchright (stealth Chromium automation)
  • Python 3.10+ stdlib only beyond that

Lenders Covered

Automated (headless): Rocket, Wells Fargo, Chase, Bank of America, US Bank, Citizens, PNC, Navy Federal, USAA, TD Bank, Guaranteed Rate, New American Funding, loanDepot

Benchmarks: Freddie Mac PMMS, Mortgage News Daily