www.bankrate.com
Report from 10/15/2026, 11:17:40 AM
https://www.bankrate.com
Latest run · lab, cold cache
84
10/15/2026
28-day score · p75 · the standard
84
26 runs
CRR100%latest
SSD78%latest
TC782 toklatest
TTFUT6 ms28-day p75
Scored by v3 · source-of-truth hashes: score db860d6ac94e · thresholds e94f8b33e500 — verifiable against the canonical scorer.
The 28-day score is the p75 of nightly runs — the stable number to cite. Deterministic metrics (CRR/SSD/TC) show their latest value (they move only when the site changes); timing (TTFUT) and answer-fidelity (AF) are smoothed by 28-day p75 — the same lab-vs-field split Core Web Vitals uses. Synthetic daily measurement, not real-user field data.
Embed this badge
Show your agent-readiness score anywhere — it links back to this report.
[](https://agentvitals.dev/results?url=https%3A%2F%2Fwww.bankrate.com)
<a href="https://agentvitals.dev/results?url=https%3A%2F%2Fwww.bankrate.com"><img src="https://agentvitals.dev/badge/bankrate.com.svg" alt="Core Agent Vitals" height="20"></a>
What AI tells your customers about youAgent confidence: MEDIUM
✅Business nameBank Rate
✅CategoryOrganization
🟡Price$3,34 · guessed from page text (no structured data)
✅Location1645 Palm Beach Lakes Blvd. Suite 1200, West Palm Beach, FL, 33401
❌Hoursnot found
❌Productsnot found
🟡DescriptionCompare today's mortgage rates, savings accounts, credit cards, and more. Bankrate helps you find the best rates from hundreds of banks and credit unions — free, unbiased, and updated daily. · guessed from page text (no structured data)
An agent gets the basics but will guess on the gaps. 3/7 applicable facts come from machine-readable structured data.
84
Overall score
weighted CAV (0–100)
PASS
0–4950–8990–100
Metrics
100%
0.78
782 tok
5 ms
Token Cost breakdown
Where the page's tokens go (≈9,967 across regions). 82% is non-content — chrome and boilerplate an agent pays for. Add landmark roles (main/nav/header/footer) so agents can skip it.
Content17.6% · 1,751
Chrome (nav / header / footer)66.2% · 6,600
Boilerplate (cookie / ad)0% · 0
Other16.2% · 1,616
Final screenshot
Diagnostics
high
TC
82.4% of tokens are non-content (boilerplate/chrome)
agent representation — token decomposition
EvidenceToken decomposition: content 17.6%, chrome 66.2%, boilerplate 0%, other 16.2%. Only 17.599999999999994% of the agent's tokens are real content.
ImpactAn agent pays for boilerplate on every request and has less context left for the real content.
Effort30–90 min
Fix: Strip repeated nav/header/footer/cookie chrome from the agent-visible output; wrap content in <main>/<article> so the extractor keeps signal and drops boilerplate.
Rendered profile: headless
84
Overall score
weighted CAV (0–100)
PASS
0–4950–8990–100
Metrics
100%
0.78
782 tok
6 ms
Token Cost breakdown
Where the page's tokens go (≈9,017 across regions). 81% is non-content — chrome and boilerplate an agent pays for. Add landmark roles (main/nav/header/footer) so agents can skip it.
Content19.4% · 1,751
Chrome (nav / header / footer)73.2% · 6,600
Boilerplate (cookie / ad)0% · 0
Other7.4% · 666
Final screenshot
Diagnostics
high
TC
80.6% of tokens are non-content (boilerplate/chrome)
agent representation — token decomposition
EvidenceToken decomposition: content 19.4%, chrome 73.2%, boilerplate 0%, other 7.4%. Only 19.400000000000006% of the agent's tokens are real content.
ImpactAn agent pays for boilerplate on every request and has less context left for the real content.
Effort30–90 min
Fix: Strip repeated nav/header/footer/cookie chrome from the agent-visible output; wrap content in <main>/<article> so the extractor keeps signal and drops boilerplate.
Rendered profile: headless
Agent Discoverability
84/100 · Agent Ready
Access & discovery checks — separate from the gated CAV metrics above. Click an issue for business impact, what we measured, and how to fix. · Take the Agent Readiness course →
Agent files & endpoints
✓
llms.txt
Found at /llms.txt Learn →
✓
robots.txt (AI bots)
Major AI bots allowed Learn →
✗
sitemap.xml
No /sitemap.xml Learn →
✓
JSON-LD structured data
Types: WebPage, Organization Learn →
~
agents.json
Absent (emerging standard) Learn →
~
WebMCP endpoint
Absent (emerging standard) Learn →
~
OpenAPI / API docs
No OpenAPI/Swagger found Learn →
Issues (5)
~ No content-blocking cookie wall medium impact Consent platform: onetrust (verify it doesn't block content)
Business impact A consent wall that hides content until a click is invisible to agents — they cannot click 'Accept'.
What we measured We fingerprint OneTrust, Cookiebot, Usercentrics and similar managers and flag content-blocking ones.
How to fix Use an overlay banner that leaves content in the DOM, not a blocking interstitial.
Spec: https://gdpr.eu/cookies/
✗ XML sitemap present medium impact No /sitemap.xml
Business impact A sitemap is your table of contents for AI crawlers. Without it agents follow homepage links and miss deep pages (products, docs, pricing) — shrinking what they can recommend.
What we measured We fetch /sitemap.xml (and /sitemap_index.xml), confirm valid XML with <loc> entries, and check <lastmod> freshness.
How to fix Generate an XML sitemap of all public pages with current lastmod dates and reference it in robots.txt.
# robots.txt
Sitemap: https://example.com/sitemap.xml~ agents.json discovery low impact Absent (emerging standard)
Business impact agents.json describes what your site can DO for agents (services, endpoints, capabilities) — an emerging discovery standard. Early adopters get native agent integration.
What we measured We check /agents.json and /.well-known/agents.json for a valid configuration.
How to fix Publish /agents.json describing your site's capabilities and actions.
~ WebMCP endpoint low impact Absent (emerging standard)
Business impact WebMCP lets agents call actions on your site directly (book, buy, query) instead of scraping the DOM. Early adopters get native AI-agent interoperability.
What we measured We check /.well-known/webmcp and /webmcp.json for a valid actions array.
How to fix Add a WebMCP endpoint exposing your key actions to agents.
Spec: https://webmcp.org
~ API documentation low impact No OpenAPI/Swagger found
Business impact Programmatic agents prefer a typed API. An OpenAPI/Swagger spec lets them integrate without scraping.
What we measured We probe /openapi.json, /swagger.json, /api-docs and /.well-known/openapi.json.
How to fix Publish an OpenAPI spec at a well-known path.
Passed audits (7)
✓ robots.txt allows AI bots✓ No CAPTCHA wall✓ Machine-readable prices✓ llms.txt present + valid✓ No login wall on public content✓ Structured data (JSON-LD)✓ Server response (TTFB)
Transport & Trust (SEC 1.0.0)
HTTPS, HSTS, CSP, sniffing, referrer and CORS posture. Diagnostic only — this does not affect the CAV score. A security header does not make a page more legible to an agent, so scoring it would reward a CDN toggle that changes nothing an agent can recover. We measure it and say so.
39Transport posture (0–100, unscored)
1pass
2warn
3fail
Per-header findings (6)
| Header | Evidence |
|---|---|
| ✅ HTTPS | served over HTTPS |
| ⚠️ HSTS | max-age=300 is below the 180-day baseline |
| ❌ Content-Security-Policy | no content-security-policy header |
| ❌ X-Content-Type-Options | missing nosniff |
| ⚠️ Referrer-Policy | no referrer-policy header (browser default applies) |
| ❌ CORS exposure | access-control-allow-origin: * WITH allow-credentials: true — invalid and unsafe |
Full profile — how to improve · unused JS · network · timing
How to improve
highSplit the heaviest unused bundlehighest leverage
otBannerSdk.js — 144 KiB transferred, 71.2% unused (third-party)
EvidenceCDP JS coverage: 103 KiB of this bundle is never executed on load.
Impact~-103 KiB transfer; lower Token Cost + faster agent parse.
Effort30–90 min
FixDynamic-import() the below-the-fold parts of otBannerSdk.js, or drop unused dependencies. It is third-party — lazy-load or remove it.
mediumCut third-party weight
googletagmanager.com — 584 KiB, 3 requests
EvidenceThird-party is 49.5% of total transfer (112 requests); googletagmanager.com is the largest.
ImpactFewer bytes + main-thread stalls before your content settles for an agent.
Effort1–3 h
FixLazy-load, self-host, or remove googletagmanager.com; defer non-critical third-party scripts.
mediumCut total transfer weight
2.8 MB total
Evidence2.8 MB transferred.
ImpactCheaper, faster fetch on slow links.
Effort1–3 h
FixEnable Brotli, serve WebP/AVIF images, defer non-critical resources.
Third-party impact
112 third-party requests · 1438 KiB (49.5% of transfer) — code an agent must also fetch/run before your content settles. Fewer, lazier third-parties = faster, cheaper agent reads.
| Third-party domain | Reqs | Transfer | Main-thread |
|---|---|---|---|
| googletagmanager.com | 3 | 584 KiB | — |
| facebook.net | 4 | 255 KiB | — |
| cookielaw.org | 5 | 193 KiB | — |
| tiktok.com | 11 | 167 KiB | — |
| ofgreencolumn.com | 8 | 58 KiB | — |
| taboola.com | 15 | 47 KiB | — |
| gstatic.com | 1 | 29 KiB | — |
| google-analytics.com | 3 | 22 KiB | — |
| licdn.com | 1 | 21 KiB | — |
| bing.com | 6 | 17 KiB | — |
| quora.com | 2 | 15 KiB | — |
| doubleclick.net | 8 | 11 KiB | — |
Wasted JavaScript (by bundle)
Transfer-accurate — each bundle's transfer size × its unused %, ranked by wasted bytes (the biggest code-splitting wins). Unused JS also inflates Token Cost (TC).
| Bundle | Transfer | Unused | Wasted |
|---|---|---|---|
| https://cdn.cookielaw.org/scripttemplates/202608.1.0/otBannerSdk.js 3P | 144 KiB | 71.2% | 103 KiB |
| https://www.googletagmanager.com/gtag/js?id=G-FY8QTRES9L&cx=c>m=4e6ac1 3P | 197 KiB | 42.7% | 84 KiB |
| https://www.bankrate.com/v8.63.3/next/build/assets/fountain-Z2cIrVDx.js | 257 KiB | 32.4% | 83 KiB |
| https://www.bankrate.com/v8.63.3/next/build/assets/ripple-QrL7s-JJ.js | 161 KiB | 50.5% | 81 KiB |
| https://analytics.tiktok.com/i18n/pixel/static/main.MWFjYmVlZGY0MQ.js 3P | 115 KiB | 69.1% | 80 KiB |
| https://www.googletagmanager.com/gtag/js?id=AW-1069166532&cx=c>m=4e6ac1 3P | 166 KiB | 45.8% | 76 KiB |
| https://www.googletagmanager.com/gtm.js?id=GTM-N74D8C 3P | 222 KiB | 31.3% | 69 KiB |
| https://connect.facebook.net/en_US/fbevents.js 3P | 111 KiB | 43.6% | 49 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.101.0/_next/static/chunks/19bj7o7eor0dt.js | 70 KiB | 62.2% | 44 KiB |
| https://ob.ofgreencolumn.com/i/7df672d92b7d11494afd621358f32494.js 3P | 55 KiB | 52.5% | 29 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.101.0/_next/static/chunks/452g4bl9dfqcn.js | 42 KiB | 57.6% | 24 KiB |
| https://connect.facebook.net/signals/config/1805085980359671?v=2.9.419&r=stable&domain=www.bankrate.com&hme=7459fa3e38c2784dbaf309537bed5fa7e8560fab51fb61e53e5ffafeb46a02a9&ex_m=118%2C241%2C171%2C27%2C82%2C83%2C162%2C78%2C77%2C11%2C181%2C102%2C20%2C153%2C141%2C46%2C85%2C90%2C149%2C176%2C183%2C8%2C4%2C5%2C7%2C6%2C3%2C103%2C115%2C32%2C17%2C31%2C18%2C33%2C34%2C35%2C37%2C55%2C163%2C87%2C126%2C22%2C24%2C51%2C47%2C49%2C48%2C95%2C104%2C108%2C124%2C160%2C164%2C53%2C125%2C29%2C26%2C133%2C79%2C43%2C166%2C165%2C167%2C157%2C155%2C30%2C42%2C66%2C123%2C178%2C80%2C21%2C128%2C93%2C76%2C23%2C97%2C98%2C130%2C96%2C151%2C150%2C154%2C109%2C177%2C180%2C41%2C56%2C127%2C54%2C161%2C72%2C185%2C110%2C184%2C210%2C255%2C84%2C274%2C273%2C272%2C14%2C25%2C28%2C40%2C62%2C117%2C68%2C10%2C73%2C111%2C112%2C113%2C119%2C144%2C38%2C36%2C146%2C147%2C148%2C143%2C142%2C172%2C86%2C175%2C173%2C174%2C57%2C69%2C67%2C137%2C19%2C179%2C52%2C324%2C325%2C326%2C323%2C339%2C361%2C248%2C237%2C70%2C238%2C236%2C364%2C355%2C59%2C249%2C121%2C145%2C92%2C135%2C61%2C134%2C140%2C139%2C65%2C74%2C168%2C88%2C89%2C129%2C44%2C39%2C60%2C63%2C114%2C182%2C1%2C138%2C16%2C136%2C12%2C2%2C64%2C105%2C15%2C75%2C71%2C132%2C101%2C100%2C187%2C188%2C106%2C107%2C9%2C116%2C186%2C58%2C158%2C99%2C91%2C81%2C131%2C120%2C169%2C50%2C159%2C0%2C94%2C152%2C156%2C170%2C45%2C122%2C13%2C189 3P | 89 KiB | 25.2% | 23 KiB |
| https://www.bankrate.com/cohesion/cohesion-latest.min.js?cDomain=.bankrate.com | 35 KiB | 53.5% | 19 KiB |
| https://connect.facebook.net/signals/config/1564326531369118?v=2.9.419&r=stable&domain=www.bankrate.com&hme=7459fa3e38c2784dbaf309537bed5fa7e8560fab51fb61e53e5ffafeb46a02a9&ex_m=118%2C241%2C171%2C27%2C82%2C83%2C162%2C78%2C77%2C11%2C181%2C102%2C20%2C153%2C141%2C46%2C85%2C90%2C149%2C176%2C183%2C8%2C4%2C5%2C7%2C6%2C3%2C103%2C115%2C32%2C17%2C31%2C18%2C33%2C34%2C35%2C37%2C55%2C163%2C87%2C126%2C22%2C24%2C51%2C47%2C49%2C48%2C95%2C104%2C108%2C124%2C160%2C164%2C53%2C125%2C29%2C26%2C133%2C79%2C43%2C166%2C165%2C167%2C157%2C155%2C30%2C42%2C66%2C123%2C178%2C80%2C21%2C128%2C93%2C76%2C23%2C97%2C98%2C130%2C96%2C151%2C150%2C154%2C109%2C177%2C180%2C41%2C56%2C127%2C54%2C161%2C72%2C185%2C110%2C184%2C210%2C255%2C84%2C274%2C273%2C272%2C14%2C25%2C28%2C40%2C62%2C117%2C68%2C10%2C73%2C111%2C112%2C113%2C119%2C144%2C38%2C36%2C146%2C147%2C148%2C143%2C142%2C172%2C86%2C175%2C173%2C174%2C57%2C69%2C67%2C137%2C19%2C179%2C52%2C324%2C325%2C326%2C323%2C339%2C361%2C248%2C237%2C70%2C238%2C236%2C364%2C355%2C59%2C249%2C121%2C145%2C92%2C135%2C61%2C134%2C140%2C139%2C65%2C74%2C168%2C88%2C89%2C129%2C44%2C39%2C60%2C63%2C114%2C182%2C1%2C138%2C16%2C136%2C12%2C2%2C64%2C105%2C15%2C75%2C71%2C132%2C101%2C100%2C187%2C188%2C106%2C107%2C9%2C116%2C186%2C58%2C158%2C99%2C91%2C81%2C131%2C120%2C169%2C50%2C159%2C0%2C94%2C152%2C156%2C170%2C45%2C122%2C13%2C189%2C230%2C225%2C228%2C229%2C207%2C223%2C304%2C308%2C312%2C313%2C314%2C309%2C315%2C307%2C302%2C317%2C318%2C306%2C316%2C320%2C310%2C305%2C311%2C319%2C321%2C303%2C240%2C301%2C206%2C226%2C227%2C251%2C224%2C222%2C340%2C235%2C234%2C233%2C278%2C242%2C220%2C221%2C219%2C382%2C374%2C375%2C366%2C371%2C368%2C370%2C369%2C367%2C376%2C378%2C373%2C379%2C372%2C377%2C365%2C231 3P | 37 KiB | 37.9% | 14 KiB |
| https://analytics.tiktok.com/i18n/pixel/static/identify_0504602d.js 3P | 40 KiB | 33.3% | 13 KiB |
Network
194Requests
2905 KiBTransferred
73Scripts
49.5%3rd-party
1Long tasks
Script (73)2082 KiB
Fetch (31)249 KiB
Document (2)240 KiB
Image (31)160 KiB
Font (3)89 KiB
Stylesheet (5)46 KiB
Other (6)19 KiB
XHR (22)13 KiB
Ping (21)7 KiB
Heaviest requests (30)
| URL | Type | Status | Transfer |
|---|---|---|---|
| https://www.bankrate.com/v8.63.3/next/build/assets/fountain-Z2cIrVDx.js | Script | 200 | 257 KiB |
| https://www.bankrate.com/ | Document | 200 | 240 KiB |
| https://www.googletagmanager.com/gtm.js?id=GTM-N74D8C | Script | 200 | 222 KiB |
| https://www.bankrate.com/mortgages/mortgage-rates/?_rsc=5CB68i4pnAekjehf | Fetch | 200 | 207 KiB |
| https://www.googletagmanager.com/gtag/js?id=G-FY8QTRES9L&cx=c>m=4e6ac1 | Script | 200 | 197 KiB |
| https://www.googletagmanager.com/gtag/js?id=AW-1069166532&cx=c>m=4e6ac1 | Script | 200 | 166 KiB |
| https://www.bankrate.com/v8.63.3/next/build/assets/ripple-QrL7s-JJ.js | Script | 200 | 161 KiB |
| https://cdn.cookielaw.org/scripttemplates/202608.1.0/otBannerSdk.js | Script | 200 | 144 KiB |
| https://analytics.tiktok.com/i18n/pixel/static/main.MWFjYmVlZGY0MQ.js | Script | 200 | 115 KiB |
| https://connect.facebook.net/en_US/fbevents.js | Script | 200 | 111 KiB |
| https://connect.facebook.net/signals/config/1805085980359671?v=2.9.419&r=stable&domain=www.bankrate.com&hme=7459fa3e38c2784dbaf309537bed5fa7e8560fab51fb61e53e5ffafeb46a02a9&ex_m=118%2C241%2C171%2C27%2C82%2C83%2C162%2C78%2C77%2C11%2C181%2C102%2C20%2C153%2C141%2C46%2C85%2C90%2C149%2C176%2C183%2C8%2C4%2C5%2C7%2C6%2C3%2C103%2C115%2C32%2C17%2C31%2C18%2C33%2C34%2C35%2C37%2C55%2C163%2C87%2C126%2C22%2C24%2C51%2C47%2C49%2C48%2C95%2C104%2C108%2C124%2C160%2C164%2C53%2C125%2C29%2C26%2C133%2C79%2C43%2C166%2C165%2C167%2C157%2C155%2C30%2C42%2C66%2C123%2C178%2C80%2C21%2C128%2C93%2C76%2C23%2C97%2C98%2C130%2C96%2C151%2C150%2C154%2C109%2C177%2C180%2C41%2C56%2C127%2C54%2C161%2C72%2C185%2C110%2C184%2C210%2C255%2C84%2C274%2C273%2C272%2C14%2C25%2C28%2C40%2C62%2C117%2C68%2C10%2C73%2C111%2C112%2C113%2C119%2C144%2C38%2C36%2C146%2C147%2C148%2C143%2C142%2C172%2C86%2C175%2C173%2C174%2C57%2C69%2C67%2C137%2C19%2C179%2C52%2C324%2C325%2C326%2C323%2C339%2C361%2C248%2C237%2C70%2C238%2C236%2C364%2C355%2C59%2C249%2C121%2C145%2C92%2C135%2C61%2C134%2C140%2C139%2C65%2C74%2C168%2C88%2C89%2C129%2C44%2C39%2C60%2C63%2C114%2C182%2C1%2C138%2C16%2C136%2C12%2C2%2C64%2C105%2C15%2C75%2C71%2C132%2C101%2C100%2C187%2C188%2C106%2C107%2C9%2C116%2C186%2C58%2C158%2C99%2C91%2C81%2C131%2C120%2C169%2C50%2C159%2C0%2C94%2C152%2C156%2C170%2C45%2C122%2C13%2C189 | Script | 200 | 89 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.101.0/_next/static/chunks/19bj7o7eor0dt.js | Script | 200 | 70 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.101.0/_next/static/media/section-bottom.11hufw7niyo_w.svg | Image | 200 | 58 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.101.0/_next/static/media/section-top.02pjz6uww_703.svg | Image | 200 | 55 KiB |
| https://ob.ofgreencolumn.com/i/7df672d92b7d11494afd621358f32494.js | Script | 200 | 55 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.101.0/_next/static/chunks/452g4bl9dfqcn.js | Script | 200 | 42 KiB |
| https://analytics.tiktok.com/i18n/pixel/static/identify_0504602d.js | Script | 200 | 40 KiB |
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Long tasks (>50 ms)
| Start | Duration |
|---|---|
| 243 ms | 61 ms |
Analyzing…
running mobile + desktop · ~30s