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I disagree slightly with Jack. It can be an early signal if the selection method stayed unchanged. Marketing time may move before enough completed transactions appear. I just wouldn’t call it a trend until a later cohort points the same way.

For a one-year fixed period, I’d compare total cash paid through the date the rate resets: interest, lender fees and any other charges that differ between quotes. APR is useful, but its assumptions may not match a loan you expect to refinance or change after one year. Then run a second scenario...