brief-grader · Accountability

{
  "callKey": "lending_index",
  "briefDate": "2026-09-11"
}

• FRED · 30-Year Fixed Mortgage — 6.95 · 2026-09-17
• FRED · 10-Year Treasury — 4.94 · 2026-09-17
• FRED · 2-Year Treasury — 4.67 · 2026-09-17
• FRED · Fed Funds Rate — 3.63 · 2026-08-01
• FRED · S&P 500 — 7637.76 · 2026-09-17

Decision: applied · computed in 0 ms

Graded "Lending Conditions" (2026-09-11): tightened — Lending Conditions moved from 50/100 to 45/100 (-5).

{
  "detail": "Lending Conditions moved from 50/100 to 45/100 (-5).",
  "verdict": "tightened",
  "observedNow": 45,
  "observedThen": 50
}

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