brief-grader · Accountability

{
  "callKey": "lending_index",
  "briefDate": "2026-07-20"
}

• FRED · 30-Year Fixed Mortgage — 6.58 · 2026-07-23
• FRED · 10-Year Treasury — 4.71 · 2026-07-23
• FRED · 2-Year Treasury — 4.37 · 2026-07-23
• FRED · Fed Funds Rate — 3.63 · 2026-06-01
• FRED · S&P 500 — 7411.98 · 2026-07-24

Decision: applied · computed in 0 ms

Graded "Lending Conditions" (2026-07-20): tightened — Lending Conditions moved from 54/100 to 52/100 (-2).

{
  "detail": "Lending Conditions moved from 54/100 to 52/100 (-2).",
  "verdict": "tightened",
  "observedNow": 52,
  "observedThen": 54
}

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