@dataset{LenderCity2026ChannelPriceGap,
  author = {{LenderCity}},
  title = {LenderCity Historical Channel Price Gap: 2025 Missouri Fixed-Rate Pilot},
  year = {2026},
  version = {1.2.0},
  url = {https://www.lendercity.com/mortgage-channel-price-index/},
  note = {Descriptive historical pilot; not overall savings; updated 2026-09-21}
}