system
A chat on subreddit /r/wallstreetbets
human
As someone who worked in finance, the “anyone knows any banks/CUs offering decent rates?” cracks me right up. 

Yeah, literally every bank or credit union if your score isn’t trash.
gpt
I'm not sure, even fixed rate 30 year mortgages for those with good credit are 7% around here.  If someone went with an ARM during the lowest rates in history, I would bet 7% is just as unaffordable as 10% to them.