Floor one
Storey Home Lending publishes no rates. Not a table, not an APR, not an “as of” date, not a starting-from figure. A demonstration lender producing a rate would be inventing one, and an invented rate on a mortgage website is the kind of number people repeat.
That leaves the more interesting half of the question. Most people asking for a quote are not really asking for a decimal; they are asking whether the thing they want is affordable, and whether the person quoting it is being straight with them. Both of those are answerable without a rate.
Start with what a quote is. A quoted rate is an indication, generated from assumptions about your credit, the property and the structure of the loan, priced against a market that moves during the day. It is not an offer, it does not bind anybody, and it is worth almost nothing without the assumptions printed beside it. Two lenders quoting the same morning can differ purely because one assumed a point paid at closing and the other assumed a credit toward costs.
The document that does carry weight is the Loan Estimate: three pages on a standard federal form, which a lender must give you within three business days of a completed application. Because every lender must use the same form in the same order, it is the one artefact in the whole process designed for comparison. Page two is where the costs live, and page three is where the numbers that follow you for thirty years live.
And a rate stops moving only when it is locked — for a stated number of days, in writing, with what happens on expiry spelled out. Everything before that is weather.
Floor two
None of these are prices, so they can be stated honestly here. They are the mechanics — the reasons two quotes on the same morning are not the same number, and the questions worth asking before you accept either.
Pricing is stepped, not continuous. Scores fall into bands, and moving from just under a band edge to just over it can change the price more than a month of market movement. It is worth knowing which side of a step you are on before you shop.
How much you borrow against what the property is worth drives both the rate and whether mortgage insurance applies at all. The thresholds are hard edges — 80%, 90%, 95% — not a smooth slope.
A rate can be bought down with points paid at closing, or raised in exchange for a credit toward costs. Two quotes are not comparable until you know which of these each one contains, which is why the points page exists.
A rate is only a rate for as long as it is locked. Thirty days prices differently from sixty, and an unlocked quote is a description of the market this morning rather than a commitment about your closing.
A primary residence, a second home and a rental are priced differently, and so are a single-family house, a condominium and a two-to-four unit building. These are not negotiable inputs; they are facts about the loan.
FHA, VA, conventional and jumbo are separate pricing worlds with separate insurance and fee structures. Comparing a rate across two programmes without comparing their insurance is comparing halves of two different numbers.
Floor three
These are the fields a real lender needs before it can price anything, which is worth seeing even though this one will not price it. Nothing here is sent.
Nothing was stored, nothing was sent and nobody will follow up. There is also no rate waiting behind this: the site publishes none, so there is nothing to withhold and nothing to email you later.
What you can have immediately is the arithmetic. Put your own rate into thepayment calculator and it will itemise every component; the points page will tell you how long you would have to stay for a buy-down to pay for itself.
Floor four
Put any rate you like into these — one you were quoted elsewhere, or a round number to see the shape — and each will show the rule it followed beside the answer.
Colour scheme
Each scheme is drawn twice — once for the light theme and once for the dark — and contrast-checked in both before it is offered here.
Built against WCAG 2.2 AA as a target. It has not been independently audited, so no conformance is claimed. If something here blocks you, that is a bug.