Our Mortgage products include 10, 15, 20 & 30 year fixed rates as well as 1, 3, 5, 7 & 10 year adjustable rates, all of which can be presented ranging from conforming to jumbo values. We also provide to our customers a full listing of index values from the H15 federal report, the corresponding yield curve of these values as well as a product yield curve of average rates for all Mortgage products. Included in our Mortgage surveys are rates, discount points, origination points, and APR (either calculated or reported). The frequency of reports received by our executive clientele is determined solely by the customer and thus can range from daily, weekly or monthly at the customer’s discretion.

Deposit products include all consumer or business accounts, all tiers including dollar amounts and/or terms as determined by the surveyed institution. Included in the data set for each institution are features that may not be included in a typical rate sheet or online. Thus our clients determine which fields they would like to appear in the summary or detail report and our research reflects their needs accordingly. We separate specials and promotional offers in order to include and display all promoted products tagged in our data base. This feature allows you to separate and receive a screen search or report for review of the market trends. A summary of your competitor’s promotions can be viewed either with your report set or online using our web-based features.

Prorates now offers reports to our executive clientele detailing the various fees which apply to specific financial institutions. Not every bank is the same in their protocol regarding everything from processing fees to hidden checking, savings or credit payments. Therefore our Fee Surveys can be used by our clients to better inform their own customers as well as stay informed in order to remain competitive in today’s market.

We also offer research reports which detail the Promotional offers that come and go throughout the calendar year. Financial institutions will frequently offer short term promotional rates on the various products they offer. Keeping updated on these promotions and their frequency would be a full time job for one person preparing a report, but here at Prorates we have an experienced staff whom pride themselves on staying updated with financial market trends and making sure our clients don’t miss out on what could potentially be highly valuable information.