brief-grader · Accountability

{
  "callKey": "lending_index",
  "briefDate": "2026-08-29"
}

• FRED · 30-Year Fixed Mortgage — 6.71 · 2026-09-03
• FRED · 10-Year Treasury — 4.77 · 2026-09-03
• FRED · 2-Year Treasury — 4.34 · 2026-09-03
• FRED · Fed Funds Rate — 3.63 · 2026-08-01
• FRED · S&P 500 — 7718.6 · 2026-09-04

Decision: applied · computed in 0 ms

Graded "Lending Conditions" (2026-08-29): tightened — Lending Conditions moved from 53/100 to 51/100 (-2).

{
  "detail": "Lending Conditions moved from 53/100 to 51/100 (-2).",
  "verdict": "tightened",
  "observedNow": 51,
  "observedThen": 53
}

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