Coverage

Coverage: what this record holds, and what it does not

What fraction of the published Canadian rate universe we hold, section by section, and what we do not hold yet, with the reason for each gap.

Use it to judge how much stands behind any figure on this site: a gap named here is a gap we know about and are working on.

Rates Coverage Ledger: the complete published rate universe

Captured 2026-11-14. This ledger is the honest denominator for the money layer. It states, angle by angle, what the estate holds of everything Canadian lenders and rate sources publish, what it does not hold yet, and why. Nothing in the underlying files is estimated: every row is a figure a source printed, with the source, the capture date and the table's own as-of wording on the row.

Headline numbers

• Current-rate rows before this pass: 377 (money/rates.json 280, mortgages/rates.json 97).
• Current-rate rows added by this pass: 2,288, in 81 new files (8 source files, 73 lender files).
• Current-rate rows held now: 2,665.
• Publishing lenders in the encyclopedia: 75 of 92 (17 publish no rates and are flagged as such in mortgages/lenders.json).
• Publishing lenders whose own published rates the estate now holds: 39 of 75 (52 percent), 38 through their own rate sheets captured lender-direct and one (nesto) through its source capture.
• Named sources attempted: 9 of 9 briefed sources were attempted where a verbatim URL existed in the estate's files; 7 produced captures, 2 (GreedyRates, RateSelect) could not be attempted because no verbatim URL for either exists anywhere in the estate's files and the web search quota was exhausted on capture day. They are named remainders below, not silent gaps.
• Rate history: the estate holds 13 history files with 26,035 points, including one new source-published series captured this pass (WOWA's own historical 1-year posted table, 83 monthly points, January 2016 to November 2022).

Rows added, by source file

Rows added, by lender (lender-direct captures)

Rows held: DUCA 90, FirstOntario 86, Access 74, NLCU 74, Servus 67, First National 57, Ukrainian 55, WFCU 55, YNCU 54, RFA 53, Kawartha 52, Northern Credit Union 48, IC Savings 47, Caisse Alliance 46, Shinhan 45, Omista 39, Conexus 36, Affinity 31, RBC 30, Provincial 27, East Coast 20, Desjardins 19, Meridian 15, Tandia 13, Scotiabank 13, Steinbach 13, Butler Mortgage 10 (broker's own published rates), Dominion Lending Centres 9 (broker's own published rates), Wealth One 9, ATB 6, Multi-Prêts 5 (broker's own published rates), Alterna Savings 4, Alterna Bank 3, Mainstreet 3, Bow Valley 2, Assiniboine 1, Cambrian 1.

Broker rows are recorded under the broker's own name with conditions stating they are the broker's published rates. No broker-channel rate is attributed to any lender anywhere in this pass.

The estate by angle, after this pass

Product counts are exact. Mortgage term buckets are parsed from each row's published term wording, so a handful of rows whose wording is unusual (a 25-year closed term, a lender prime line) sit in their own lines.

Auto loans: no source the estate reads publishes a dedicated auto loan table, which is the same gap the earlier sweep recorded. Vehicle rates do exist inside three lenders' own sheets captured this pass and are held as 12 personal-loan rows naming the vehicle product in their term wording (DUCA new car loans, WFCU auto loans, NLCU vehicle loans). The angle is therefore partially held through lender sheets and empty at the source-table level.

Variable rates: every variable row prints the effective rate exactly as the source published it. Where a source prints the prime-relative form per row, that wording is preserved verbatim in the row's conditions (50 of the 205 new variable rows carry it inline, WOWA's variable tables among them). Where a lender prints its prime on the same sheet, the prime itself is captured as its own row or in the sheet's conditions (Servus, Access, Affinity, Steinbach and others), so the spread can be read off the same capture.

Angle by angle: what is captured in full, what is not, and why

Mortgage fixed, by term

Captured in full: WOWA's complete 3-year and 5-year fixed tables (every lender row, all three variants: insured, insurable, uninsurable); LowestRates' complete 9-term matrix across five variants; RATESDOTCA's embedded 9-term table; NerdWallet's Big Six table; BankMortgages' posted and special tables; the complete own-site sheets of First National, RFA, Shinhan, Servus, Access, Conexus, Affinity, Steinbach, DUCA, FirstOntario, NLCU, WFCU, Ukrainian, YNCU, Kawartha, Northern, IC Savings, Caisse Alliance, Omista, Provincial, East Coast, Tandia, Meridian, RBC, Scotiabank, Desjardins, ATB, Wealth One, Butler and Dominion Lending Centres.

Not yet captured, with the reason:

• Ratehub's per-term and per-variant mortgage tables (1, 2, 3, 4, 5, 6, 7, 10-year fixed, 3 and 5-year variable, each in insured, uninsured, refinance and rental variants) and its HELOC page: every one of those links returned the fetch service's 429 limit during the pass and was not retried, by the pass rule. This is the single largest remainder in the mortgage angle. Ratehub's homepage best-rate rows (6) are held.
• WOWA's 1, 2 and 10-year fixed lender tables and its 3 and 5-year variable lender tables: the pages loaded but the lender tables extracted blank, so nothing was written rather than anything guessed. WOWA's 4-year and 7-year fixed pages returned 429 and were not retried. No 6-year fixed page is linked anywhere on WOWA.
• BMO, CIBC and National Bank own-site sheets: their starting pages returned 429 in the parallel opening burst and were not retried. Their posted and special rates are held second-hand through BankMortgages.ca, labelled with that source, and WOWA's tables carry their discounted rows.
• TD: its rates page was fetched repeatedly and renders its figures dynamically; the text extraction prints bare percent placeholders with no figures, so TD's own sheet is not capturable by this route. TD figures are held through BankMortgages.ca, NerdWallet and WOWA, each labelled with its source.
• The five big western credit unions (Vancity, Coast Capital, Prospera, Northern Savings, Beem): their rates pages returned 429 on the first parallel fetches and were not retried. Their discounted rows appear inside WOWA's tables where WOWA lists them.
• Assiniboine: only its featured 3-year rate was captured; the link to its full rates page returned 429.
• Cambrian and Mainstreet: only featured rates appear in extraction; no full table was reachable by this route.
• Lenders whose own sites publish no rate sheet (dated findings in their files): Mortgage Alliance, Homewise, True North Mortgage, Home Trust, Laurentian Bank, ICICI Bank Canada, Peoples Bank, HomeEquity Bank, Fairstone, First Nations Bank of Canada. Several of these appear as rows inside WOWA's and other aggregators' tables, captured there under the aggregator as source.
• Lenders whose pages were reached but printed no figures in extraction: CMLS, EQ Bank, Equitable Bank, PenFinancial, UNI (its comparison PDF prints no numeric rates), Citadel Mortgages (headings and insured conditions, no figures), Frank Mortgage (its live-rates section did not appear; its homepage comparison is labelled approximate and educational and was not captured as a rate sheet), Innovation Credit Union (no figures and no rates link in extraction).
• Lenders rate limited on their starting pages, owed a paced re-check: Simplii Financial, Manulife Bank, Strive, Libro, Kindred, Pathwise, Perch. Tangerine served a maintenance page during the pass, so its state is unknown rather than negative.
• CanWise (Ratehub's brokerage): its lender page printed monthly payments with an empty rate column; no rate was derived from a payment. Its rates are a remainder until the page prints figures.

Variable mortgages

Held through the same captures as fixed: WOWA's current variable context and lender rows where its tables printed them, LowestRates' variable rows inside its matrix, nesto's variable rows, and the variable lines on every captured lender sheet (Conexus prints 1 to 5-year variable at one rate, Steinbach prints high-ratio and conventional closed variable plus an open variable, Access prints open and closed variable with its prime-relative form, Affinity prints closed variable as prime minus 0.50 percent with its prime stated). WOWA's dedicated 3 and 5-year variable lender tables extracted blank and Ratehub's variable pages were rate limited; both are remainders named above.

HELOC

21 rows held. WOWA's HELOC table is captured in full (7 lender rows; the page itself states the Big 5 publish no HELOC rates there). Lender-direct HELOC rows came from DUCA (PrimeLine), FirstOntario, NLCU, Shinhan (prime plus 1.50 percent, from its published PDF sheet) and Butler Mortgage. Ratehub's HELOC page was rate limited twice and is a remainder. Most lenders simply do not publish a HELOC rate on their sheets; where a sheet was captured in full and no HELOC line appears, that absence is the finding.

GICs, by term

The strongest angle in the estate. Ratehub's GIC matrix is complete (19 providers, every term 1 to 5 years). WOWA's GIC tables are complete (44 institutions, every term 1 to 5 years). Lender-direct GIC sheets are held for most captured credit unions, several with full term ladders plus cashable, short-term and special-offer lines (Servus publishes the deepest single GIC sheet captured, including US dollar terms). NerdWallet's GIC picks are held as published. GIC remainders ride on the same lender remainders as mortgages: the 429-blocked lenders' GIC sheets are uncaptured, and a few captured lenders' separate term-deposit pages printed no figures in extraction (Conexus).

Savings accounts

313 rows held: WOWA's complete savings tables, Ratehub's savings picks, MoneySense's complete published high-interest savings summary, NerdWallet's picks, and the savings lines on captured lender sheets (Access and Servus publish tiered savings in full). One caution is recorded in the MoneySense file itself: that page's summary table and its body text disagree on two EQ Bank Notice account figures, and the file holds the table's figures with the disagreement noted.

Chequing accounts

30 rows held (Ratehub's complete chequing picks plus the earlier sweep's rows). No lender publishes a chequing rate table as such; chequing is a fee product, and the rows held are the published monthly fees and interest figures the sources print.

Credit cards

26 rows held. Card rates live on individual card pages rather than tables; the captures hold the published purchase and cash-advance rates from NerdWallet's and LowestRates' card pages and the earlier sweep. The tails of both card pages were cut off by the fetch route (one 429, one flattened list that could not be tied to card names), so the card angle is partial by source design and is recorded as such rather than padded.

Personal loans

97 rows held: Ratehub's complete personal loan picks, WOWA's and the earlier sweep's rows, and lender-sheet loan lines (DUCA, FirstOntario, NLCU, WFCU, Ukrainian, Northern and others publish personal and vehicle loan rates on their sheets). No source publishes a full-market personal loan table.

Auto loans

See the note under the angle table: no dedicated auto loan table exists at any source the estate reads; 12 vehicle-loan rows are held inside lender sheets under the personal loan product, with the vehicle product named in each row's term wording.

Rate history a source itself publishes

• WOWA's 1-year fixed page publishes a full historical table of posted conventional 1-year rates by month, January 2016 through November 2022, citing the Bank of Canada. Captured this pass into money/history/wowa-1yr-posted-history.json (83 points), in the same pattern as the existing history files. The estate separately holds the Bank of Canada's own weekly 1-year posted series back to 1980, so WOWA's monthly rendering is preserved as the source-published form.
• WOWA's 5-year fixed history is a chart with no figures in the text extraction; recorded, not captured.
• Ratehub publishes a historical comparison feature ("From 2006 - Today") but no dated series table printed in extraction; recorded as a remainder.
• The pre-existing history files stand as they were (12 files, 25,952 points before this pass): Bank of Canada posted 1, 3 and 5-year weekly series, the daily and monthly policy rate series, chartered bank prime series, a posted 5-year GIC series, the government 5-year benchmark yield, and the CREA, Teranet and StatCan house price index histories (money/history/HISTORY.md carries the full inventory and the named next pulls).

Who does not publish

The 17 encyclopedia lenders flagged as publishing no rates (MCAP, Community Trust, IG Wealth Management, B2B Bank, Haventree Bank, Bank of China (Canada), TMG The Mortgage Group, VERICO, Pineapple Financial, CENTUM, Mortgage Intelligence, Credit Union Atlantic, RMG Mortgages, Merix Financial, Radius Financial, Marathon Mortgage, Tru Cooperative Bank) were not re-checked in this pass; their flags stand from the sweep that set them. Ten more lenders checked this pass published no rate sheet on the pages reached and are listed with dated findings in the mortgage section above. Their discounted rates, where aggregators print them, are held under the aggregator as source and never under the lender's own name.

Named remainders for the next pass

1. Ratehub's full mortgage table set and HELOC page (429 this pass; run paced and sequential).
2. BMO, CIBC and National Bank own-site sheets (429 this pass).
3. Vancity, Coast Capital, Prospera, Northern Savings, Beem and Assiniboine's full rates page (429 this pass).
4. Simplii, Manulife Bank, Strive, Libro, Kindred, Pathwise and Perch re-checks (429 this pass), plus Tangerine once its maintenance page clears.
5. WOWA's 1, 2 and 10-year fixed and 3 and 5-year variable lender tables (extracted blank this pass), and its 4 and 7-year fixed pages (429).
6. TD's own sheet, which needs a route that can read dynamically rendered figures.
7. RATESDOTCA's dedicated per-category rate pages and LowestRates' five per-term pages (403 and 429 this pass).
8. GreedyRates and RateSelect, which need a verbatim URL from a fresh search before the fetch route can attempt them.
9. MoneySense's mortgage and GIC pages, same reason.
10. CanWise's rate figures, if its lender page begins printing them.
11. Conexus term deposits, Servus's stepped Rate Builder sequence, and Affinity's escalator GIC, which need a route that reads compressed page sections without misattributing variants.

De-aggregation pass, 2026-11-15 (addendum)

The provenance audit (~/workspace/5quotes-expansion/RATE-PROVENANCE.md) found 1,733 of 2,945 published rows resting on aggregators and roughly 280 rows published twice. The de-aggregation pass that followed (full report: ~/workspace/5quotes-expansion/DEAGGREGATION.md) removed the 280 duplicate rows carried in both rates.json and the research files, captured 243 new lender-direct rows, and replaced 121 aggregator rows whose origin the estate now holds directly. Published totals after the pass: 2,787 rows, of which 1,455 (52.2 percent) are lender-direct, up from 1,212 (41.2 percent). Named remainders 2, 3 and 4 above are partly closed by this pass: Vancity, Coast Capital, Manulife Bank, Libro, Kindred and Pathwise are now captured from their own pages, and Simplii's savings figures are captured from simplii.com. BMO, CIBC and TD publish their figures behind JavaScript and are registered below for a browser pass; National Bank's promotional figures are captured and its posted table is registered for the same pass.

Registered origin sources

Registered under the owner's method ruling of 2026-11-15: where an aggregator's table points back to an originating lender or issuer page, the figure is captured from the origin and the origin is registered here, so every future refresh goes straight to the origin. The weekly refresh job re-runs captures from this list. Each entry gives the origin, what it publishes, the capture route, and the dataset file it feeds. Origins captured before this pass hold their source addresses on their rows in the rates-lender files; this register covers the origins added or identified by the de-aggregation pass.

Captured 2026-11-15 by text fetch:

Identified, browser pass required (the pages publish figures that render only in JavaScript; a text fetch returns the page with placeholders where the figures belong):

Publishes nothing directly, or the route refuses (registered so the refresh job does not rediscover them each cycle):

Two findings in this pass correct the "Who does not publish" section above: Community Trust and Marathon Mortgage do publish rate pages on their own sites, captured at the origins registered here; their encyclopedia flags should be updated on the next lender pass.