About
About RateOrchard
We help US readers understand what financial rates look like in their state, and why. No shouting, no affiliate theater, no guessing.
Our mission
Rates move. Insurance premiums, mortgage rates, loan APRs, credit card terms, and state coverage requirements shift every quarter and every law-making season. Most consumer finance sites are built to push a single next click. RateOrchard is built to let you see the actual numbers, side by side, with the source listed next to each one.
How we source data
Every number on the site comes from a small set of public, regulated data sources: the National Association of Insurance Commissioners (NAIC), the Federal Reserve Economic Data (FRED) service at the St. Louis Fed, the Bureau of Labor Statistics (BLS), the US Census Bureau, FEMA for flood and disaster records, CMS for health-plan data, and state Departments of Insurance for minimum coverage and filed rate tables. We do not scrape competitor sites. When a page shows a number, the box labelled Data sources lists the agency, the report name, and the observation date.
Editorial process
Our state pages combine data from those sources with a short editorial section that puts the number in context. That section is drafted with the help of a large language model, against our fact JSON, and reviewed by a named human editor before it is published. No number in the prose can exist outside the fact JSON for the page. Details are in our editorial policy.
What we are not
RateOrchard is a data publisher, not a licensed advisor. We do not employ licensed insurance producers, mortgage brokers, or financial planners, and we do not give individualised advice. We do not sell policies, originate loans, or route you to a specific partner in exchange for a fee that we hide from you. When we earn a commission on a referral, we say so in the same paragraph as the link. We never rank a carrier on the basis of that commission.
If you need regulated advice for your own situation, speak to a licensed professional in your state. Our job is to show you what the data says; their job is to help you act on it.
The team
RateOrchard is edited by Adrian Serafin (editor in chief). Adrian is a data journalist, not a licensed financial advisor. Every page is signed, dated, and traceable to its sources. As the site grows we plan to add a US-based contributing editor for fact-checking; when that happens their name and background will appear on this page and on the pages they reviewed. Until then, the byline is ours and ours alone. If you want to contribute, reach us at [email protected].