brief-grader · Accountability

{
  "callKey": "lending_index",
  "briefDate": "2026-09-22"
}

• FRED · 30-Year Fixed Mortgage — 7.28 · 2026-10-01
• FRED · 10-Year Treasury — 5.24 · 2026-10-01
• FRED · 2-Year Treasury — 4.78 · 2026-10-01
• FRED · Fed Funds Rate — 3.75 · 2026-09-01
• FRED · S&P 500 — 7722.72 · 2026-10-02

Decision: applied · computed in 0 ms

Graded "Lending Conditions" (2026-09-22): tightened — Lending Conditions moved from 44/100 to 41/100 (-3).

{
  "detail": "Lending Conditions moved from 44/100 to 41/100 (-3).",
  "verdict": "tightened",
  "observedNow": 41,
  "observedThen": 44
}

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