{
  "generated_at_utc": "2026-10-25T18:33:35Z",
  "mock": false,
  "entries": {
    "mortgage_30y_conv": {
      "name": "30-yr fixed mortgage avg (Freddie Mac PMMS via FRED)",
      "value": 7.32,
      "unit": "%",
      "as_of": "2026-10-22",
      "source_url": "https://fred.stlouisfed.org/series/MORTGAGE30US",
      "product": "RATE WATCH",
      "cadence": "weekly (Thu)",
      "note": "",
      "prev_value": 7.4,
      "prev_as_of": "2026-10-15",
      "max_age_days": 12,
      "age_days": 3,
      "stale": false
    },
    "mortgage_15y_conv": {
      "name": "15-yr fixed mortgage avg (Freddie Mac PMMS via FRED)",
      "value": 6.68,
      "unit": "%",
      "as_of": "2026-10-22",
      "source_url": "https://fred.stlouisfed.org/series/MORTGAGE15US",
      "product": "RATE WATCH",
      "cadence": "weekly (Thu)",
      "note": "",
      "prev_value": 6.71,
      "prev_as_of": "2026-10-15",
      "max_age_days": 12,
      "age_days": 3,
      "stale": false
    },
    "va_30y_daily_index": {
      "name": "30-yr fixed VA mortgage index, daily lock average (Optimal Blue OBMMI via FRED)",
      "value": 6.915,
      "unit": "%",
      "as_of": "2026-10-22",
      "source_url": "https://fred.stlouisfed.org/series/OBMMIVA30YF",
      "product": "RATE WATCH",
      "cadence": "daily (business days)",
      "note": "Optimal Blue Mortgage Market Index: average of actual locked VA 30-yr rates across 1/3+ of U.S. mortgage transactions, published one business day behind. Market average, not a quote.",
      "prev_value": 6.958,
      "prev_as_of": "2026-10-21",
      "max_age_days": 5,
      "age_days": 3,
      "stale": false
    },
    "ten_year_treasury": {
      "name": "10-year Treasury constant maturity yield (FRED)",
      "value": 4.96,
      "unit": "%",
      "as_of": "2026-10-22",
      "source_url": "https://fred.stlouisfed.org/series/DGS10",
      "product": "RATE WATCH",
      "cadence": "daily (business days)",
      "note": "Context series: the daily market driver mortgage rates loosely follow. Not a mortgage rate.",
      "prev_value": 5.13,
      "prev_as_of": "2026-10-21",
      "max_age_days": 5,
      "age_days": 3,
      "stale": false
    },
    "conventional_30y_index": {
      "name": "30-yr fixed conventional conforming index, daily lock average (Optimal Blue OBMMI via FRED)",
      "value": 7.251,
      "unit": "%",
      "as_of": "2026-10-22",
      "source_url": "https://fred.stlouisfed.org/series/OBMMIC30YF",
      "product": "RATE WATCH",
      "cadence": "daily (business days)",
      "note": "Same OBMMI methodology as the VA index: average of actual locked conventional conforming 30-yr rates. Shown as the spread benchmark next to the VA average.",
      "prev_value": 7.304,
      "prev_as_of": "2026-10-21",
      "max_age_days": 5,
      "age_days": 3,
      "stale": false
    },
    "conventional_30y_best_tier": {
      "name": "30-yr conventional conforming, LTV 80 or less and FICO above 740 (Optimal Blue OBMMI via FRED)",
      "value": 7.174,
      "unit": "%",
      "as_of": "2026-10-22",
      "source_url": "https://fred.stlouisfed.org/series/OBMMIC30YFLVLE80FGE740",
      "product": "RATE WATCH",
      "cadence": "daily (business days)",
      "note": "The best-priced credit tier Optimal Blue publishes. Conventional data: no VA credit-tier sub-index exists publicly. Used as the low edge of the published-range band.",
      "prev_value": 7.224,
      "prev_as_of": "2026-10-21",
      "max_age_days": 5,
      "age_days": 3,
      "stale": false
    },
    "conventional_30y_tough_tier": {
      "name": "30-yr conventional conforming, LTV above 80 and FICO below 680 (Optimal Blue OBMMI via FRED)",
      "value": 7.518,
      "unit": "%",
      "as_of": "2026-10-22",
      "source_url": "https://fred.stlouisfed.org/series/OBMMIC30YFLVGT80FLT680",
      "product": "RATE WATCH",
      "cadence": "daily (business days)",
      "note": "The highest-priced credit tier Optimal Blue publishes. Conventional data. Used as the high edge of the published-range band.",
      "prev_value": 7.395,
      "prev_as_of": "2026-10-21",
      "max_age_days": 5,
      "age_days": 3,
      "stale": false
    },
    "auto_loan_48m": {
      "name": "48-mo new-car loan avg, commercial banks (FRED)",
      "value": 7.47,
      "unit": "%",
      "as_of": "2026-08-01",
      "source_url": "https://fred.stlouisfed.org/series/TERMCBAUTO48NS",
      "product": "AUTO WATCH",
      "cadence": "monthly (delayed)",
      "note": "",
      "prev_value": null,
      "prev_as_of": null,
      "max_age_days": 45,
      "age_days": 85,
      "stale": true
    },
    "auto_loan_weekly": {
      "name": "60-mo new-car loan avg, Bankrate weekly (via FRED)",
      "value": 7.13,
      "unit": "%",
      "as_of": "2026-10-21",
      "source_url": "https://fred.stlouisfed.org/series/BRMALR0102",
      "product": "AUTO WATCH",
      "cadence": "weekly",
      "note": "Bankrate Monitor national average; fresher than the Fed G.19 bank series.",
      "prev_value": 7.14,
      "prev_as_of": "2026-10-14",
      "max_age_days": 12,
      "age_days": 4,
      "stale": false
    },
    "auto_loan_60m": {
      "name": "60-mo new-car loan avg, commercial banks (FRED)",
      "value": 7.54,
      "unit": "%",
      "as_of": "2026-08-01",
      "source_url": "https://fred.stlouisfed.org/series/RIFLPBCIANM60NM",
      "product": "AUTO WATCH",
      "cadence": "quarterly",
      "note": "",
      "prev_value": null,
      "prev_as_of": null,
      "max_age_days": 120,
      "age_days": 85,
      "stale": false
    },
    "auto_loan_72m": {
      "name": "72-mo new-car loan avg, commercial banks (FRED)",
      "value": 7.17,
      "unit": "%",
      "as_of": "2026-08-01",
      "source_url": "https://fred.stlouisfed.org/series/RIFLPBCIANM72NM",
      "product": "AUTO WATCH",
      "cadence": "quarterly",
      "note": "Fed G.19 now headlines 72-mo as terms have lengthened; 48-mo remains available via FRED.",
      "prev_value": null,
      "prev_as_of": null,
      "max_age_days": 120,
      "age_days": 85,
      "stale": false
    },
    "electricity_kwh_us": {
      "name": "US avg electricity price, $/kWh (BLS via FRED)",
      "value": 0.196,
      "unit": "$/kWh",
      "as_of": "2026-09-01",
      "source_url": "https://fred.stlouisfed.org/series/APU000072610",
      "product": "SOLAR WATCH",
      "cadence": "monthly",
      "note": "",
      "prev_value": 0.196,
      "prev_as_of": "2026-08-01",
      "max_age_days": 45,
      "age_days": 54,
      "stale": true
    },
    "savings_national_rate": {
      "name": "National savings account rate (FDIC, via FRED)",
      "value": 0.38,
      "unit": "%",
      "as_of": "2026-10-01",
      "source_url": "https://fred.stlouisfed.org/series/SNDR",
      "product": "SAVINGS WATCH",
      "cadence": "monthly",
      "note": "FDIC National Rates and Rate Caps, savings deposit products.",
      "prev_value": 0.37,
      "prev_as_of": "2026-09-01",
      "max_age_days": 45,
      "age_days": 24,
      "stale": false
    },
    "money_market_national_rate": {
      "name": "National money market account rate (FDIC, via FRED)",
      "value": 0.63,
      "unit": "%",
      "as_of": "2026-10-01",
      "source_url": "https://fred.stlouisfed.org/series/MMNDR",
      "product": "SAVINGS WATCH",
      "cadence": "monthly",
      "note": "FDIC National Rates and Rate Caps, money market deposit products.",
      "prev_value": 0.63,
      "prev_as_of": "2026-09-01",
      "max_age_days": 45,
      "age_days": 24,
      "stale": false
    },
    "cd_12m_national_rate": {
      "name": "National 12-month CD rate (FDIC, via FRED)",
      "value": 1.76,
      "unit": "%",
      "as_of": "2026-10-01",
      "source_url": "https://fred.stlouisfed.org/series/NDR12MCD",
      "product": "SAVINGS WATCH",
      "cadence": "monthly",
      "note": "FDIC National Rates and Rate Caps, 12-month certificate of deposit.",
      "prev_value": 1.73,
      "prev_as_of": "2026-09-01",
      "max_age_days": 45,
      "age_days": 24,
      "stale": false
    },
    "checking_national_rate": {
      "name": "National interest checking rate (FDIC, via FRED)",
      "value": 0.07,
      "unit": "%",
      "as_of": "2026-10-01",
      "source_url": "https://fred.stlouisfed.org/series/ICNDR",
      "product": "SAVINGS WATCH",
      "cadence": "monthly",
      "note": "FDIC National Rates and Rate Caps, interest checking products.",
      "prev_value": 0.07,
      "prev_as_of": "2026-09-01",
      "max_age_days": 45,
      "age_days": 24,
      "stale": false
    },
    "cd_6m_national_rate": {
      "name": "National 6-month CD rate (FDIC, via FRED)",
      "value": 1.39,
      "unit": "%",
      "as_of": "2026-10-01",
      "source_url": "https://fred.stlouisfed.org/series/NDR6MCD",
      "product": "SAVINGS WATCH",
      "cadence": "monthly",
      "note": "FDIC National Rates and Rate Caps, 6-month certificate of deposit.",
      "prev_value": 1.41,
      "prev_as_of": "2026-09-01",
      "max_age_days": 45,
      "age_days": 24,
      "stale": false
    },
    "cd_24m_national_rate": {
      "name": "National 24-month CD rate (FDIC, via FRED)",
      "value": 1.55,
      "unit": "%",
      "as_of": "2026-10-01",
      "source_url": "https://fred.stlouisfed.org/series/NDR24MCD",
      "product": "SAVINGS WATCH",
      "cadence": "monthly",
      "note": "FDIC National Rates and Rate Caps, 24-month certificate of deposit.",
      "prev_value": 1.61,
      "prev_as_of": "2026-09-01",
      "max_age_days": 45,
      "age_days": 24,
      "stale": false
    },
    "cd_60m_national_rate": {
      "name": "National 60-month CD rate (FDIC, via FRED)",
      "value": 1.4148478381798204,
      "unit": "%",
      "as_of": "2026-10-01",
      "source_url": "https://fred.stlouisfed.org/series/NDR60MCD",
      "product": "SAVINGS WATCH",
      "cadence": "monthly",
      "note": "FDIC National Rates and Rate Caps, 60-month certificate of deposit.",
      "prev_value": 1.3809193014408043,
      "prev_as_of": "2026-09-01",
      "max_age_days": 45,
      "age_days": 24,
      "stale": false
    },
    "auto_insurance_cpi": {
      "name": "Private passenger auto insurance premiums PPI (BLS via FRED)",
      "value": 223.344,
      "unit": "index",
      "as_of": "2026-09-01",
      "source_url": "https://fred.stlouisfed.org/series/PCU9241269241261",
      "product": "INSURANCE WATCH",
      "cadence": "monthly",
      "note": "Index, not dollars: site shows the YoY trend (which way premiums are moving), never a fake premium.",
      "prev_value": 223.475,
      "prev_as_of": "2026-08-01",
      "yoy_pct": -0.3,
      "prev_yoy_pct": 0.5,
      "max_age_days": 45,
      "age_days": 54,
      "stale": true
    },
    "home_insurance_cpi": {
      "name": "Tenants' & household insurance CPI index (BLS via FRED)",
      "value": 175.093,
      "unit": "index",
      "as_of": "2026-09-01",
      "source_url": "https://fred.stlouisfed.org/series/CUUR0000SEHD",
      "product": "INSURANCE WATCH",
      "cadence": "monthly",
      "note": "Renters'/household insurance trend. Index, not dollars: site shows the YoY trend only.",
      "prev_value": 174.806,
      "prev_as_of": "2026-08-01",
      "yoy_pct": 4.3,
      "max_age_days": 45,
      "age_days": 54,
      "stale": true
    }
  },
  "derived": {
    "va_30y_estimate": {
      "name": "VA 30-yr refi estimate (derived: PMMS 30-yr minus 0.375)",
      "value": 6.945,
      "unit": "%",
      "as_of": "2026-10-22",
      "derived_from": "mortgage_30y_conv",
      "product": "RATE WATCH",
      "label": "DERIVED ESTIMATE, not a published VA rate: Freddie Mac 30-yr minus 0.375",
      "source_url": "https://fred.stlouisfed.org/series/MORTGAGE30US",
      "cadence": "weekly (Thu)",
      "prev_value": 7.025,
      "prev_as_of": "2026-10-15"
    }
  },
  "manual": {
    "editorial_best_va_30y": {
      "id": "editorial_best_va_30y",
      "name": "Navy Federal (VA 30-yr, advertised: 0.625 pts, 6.186% APR)",
      "value": 5.75,
      "unit": "%",
      "product": "RATE WATCH",
      "source_url": "https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates/va-loans.html",
      "as_of": "2026-08-23",
      "max_age_days": 14,
      "age_days": 63,
      "stale": true
    }
  }
}