Honest Comparison
CUB vs checking individual lender websites.
CUB: Track daily Mortgage rate is not a replacement for lender websites. It is a research tool that helps users decide which lenders may be worth checking directly.
Direct answer: Use CUB to compare published mortgage rates, history, filters, favorites, and alerts in one place. Use lender websites to confirm final rate, APR, fees, points, eligibility, membership, and application terms.
| Task | CUB | Lender websites |
|---|---|---|
| Scan many published rates quickly | Useful | Slow if checking one by one |
| See one-year lender trend charts | Premium feature | Usually not available |
| Confirm final APR and fees | Informational only | Required |
| Apply for a mortgage | Not available | Required |
| Set rate drop alerts | Premium feature | Varies by lender |
Who CUB is not for
CUB is not for users who want a loan marketplace, prequalification engine, broker quote, or lender application. It is best for independent research before contacting lenders.
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