Hacker News: mhashemi

New comment by mhashemi in "Working to Make Python Lazy"

mhashemi — Thu, 03 Sep 2026 23:27:58 +0000

I've got my reservations about lazy imports, but scipy in particular is such a memory hog, I've increasingly been vendoring smaller utilities out of it. Good lazy imports would be a big help.

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Thu, 04 Dec 2025 20:18:07 +0000

This kind existed for a while in the USA. Current admin turned off the data stream: https://www.consumerfinance.gov/owning-a-home/explore-rates/

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Thu, 04 Dec 2025 19:39:01 +0000

I'd say the exact rate as displayed might not matter as such. It's more a discovery tool for folks to find a competitive CU that they're eligible for. If the CU looks good for one type of rate, it's probably worth exploring for others.

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Thu, 04 Dec 2025 05:43:03 +0000

Real talk, it's so hard to find TOTP 2FA in banking.

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Thu, 04 Dec 2025 04:03:00 +0000

Yeah, it's partially automated. It doesn't use firecrawler or any other services (other than Render for hosting).

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Thu, 04 Dec 2025 04:01:32 +0000

That's actually where I started! Majority (but not all) of the institutions present on the dashboard are from the CUMA :) I don't technically crawl that portal, but their robots.txt certainly seems to encourage it. Great resource.

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Thu, 04 Dec 2025 03:55:31 +0000

Definitely. Unlikely that anyone starting here will get exactly the estimated monthly payment, especially as it takes time to lock in a rate and rates can change daily. What it does do is only use APRs to give as much of an apples-to-apples comparison as can be had. Click any entry in the table to go through to the CU's site, which usually has some means of getting a more accurate rate and/or quote.

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Thu, 04 Dec 2025 03:52:49 +0000

Those are just some medians I either Googled or LLM'd to act as defaults. You can click that sentence and change all those values to estimate.

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Thu, 04 Dec 2025 03:17:18 +0000

Love a public rates page. Added to my list for tomorrow.

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Thu, 04 Dec 2025 01:06:34 +0000

Thanks, and thanks for the heads up! Feel free to shoot me a screenshot/more browser details if you don't mind: blog@finfam.app

The data table is based on https://svelte-headless-table.bryanmylee.com/

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Thu, 04 Dec 2025 01:04:53 +0000

It's more manual than you might think! Sent a message to the email in your profile with more details :)

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Thu, 04 Dec 2025 01:00:05 +0000

If you'd like, I'd be happy to add that CU to the roster. Hoping to do more to make the full range of market options more mainstream.

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Thu, 04 Dec 2025 00:59:06 +0000

Oh snap! I was just looking at originationdata.com this week! So awesome. I had originally hoped HMDA data was more than annual, but no luck. It's also a shame that the current admin turned off the data stream here: https://www.consumerfinance.gov/owning-a-home/explore-rates/

I thought maybe you'd been hit by that update, but even more bummed to hear Google enshittification struck again.

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Wed, 03 Dec 2025 23:40:15 +0000

The more the merrier, but as far as I can tell, there are no public rates listed on the CommunityAmerica CU site. All behind a "get in touch" interact: https://www.communityamerica.com/personal/borrow/resources/m...

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Wed, 03 Dec 2025 23:12:34 +0000

Yes, extremely, especially for confirming loans: https://singlefamily.fanniemae.com/originating-underwriting/...

Patrick McKenzie (https://news.ycombinator.com/user?id=patio11) has a great deep dive on this: https://www.bitsaboutmoney.com/archive/mortgages-are-a-manuf...

Closing/switching costs are certainly a consideration still, but the "Truth in Lending Act" (TILA) made it easier to compare the all-in cost by providing a standardized APR number, which is what the dashboard focuses on.

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Wed, 03 Dec 2025 22:15:27 +0000

Haha, my uncreative username betrays me once again. Small world! Congrats on founding to you, too!

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Wed, 03 Dec 2025 22:13:02 +0000

Yeah, there's a somewhat wide variance in CUs, in terms of rates, quality of service, etc. I called a few just to spot check and these public rates are supposedly about as good as they can do. From what I gather, even the large CUs (like Transportation FCU) just don't have that sophisticated of an operating model.

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Wed, 03 Dec 2025 22:03:22 +0000

Thanks! Re: DSCRs, point me to the data!

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Wed, 03 Dec 2025 22:02:50 +0000

Pushing a fix to this now. Assuming we're seeing the same thing: clicking the checkbox doesn't work, but clicking the label should. Should be right as rain shortly. Thanks!

New comment by mhashemi in "Show HN: I built a dashboard to compare mortgage rates across 120 credit unions"

mhashemi — Wed, 03 Dec 2025 21:54:25 +0000

Haha, wait until you hear about our fancy 50-year mortgages we'll be getting any day now!

But seriously, my favorite discovery when researching CU mortgages is the prevalence of the 15/15 ARM. It's fixed for 15 years, and then adjusts once. Most people refinance within 7 years, or move within 12. So it's like a 30Y fixed, but comes in at 20 basis points cheaper (0.2% lower APR).