{
  "meta": {
    "generated": "2026-10-30T14:00:00Z",
    "sources": [
      {
        "name": "Freddie Mac PMMS",
        "url": "https://www.freddiemac.com/pmms",
        "mirror": "https://fred.stlouisfed.org/series/MORTGAGE30US"
      }
    ],
    "disclaimer": "National averages for information only. Your rate depends on credit score, down payment, loan type, points and lender. Not financial advice."
  },
  "rates": [
    {
      "source": "Freddie Mac PMMS",
      "date": "2026-10-29",
      "30yr_fixed": 7.24,
      "15yr_fixed": 6.6,
      "type": "actual",
      "source_url": "https://www.freddiemac.com/pmms",
      "notes": "Weekly survey, released Thursdays (FRED MORTGAGE30US / MORTGAGE15US)"
    },
    {
      "source": "Freddie Mac PMMS",
      "date": "2026-10-22",
      "30yr_fixed": 7.32,
      "15yr_fixed": 6.68,
      "type": "actual",
      "source_url": "https://www.freddiemac.com/pmms",
      "notes": "Prior week"
    },
    {
      "source": "RateScore Forecast",
      "date": "2026-10-30",
      "30yr_fixed": 7.28,
      "15yr_fixed": 6.64,
      "type": "forecast",
      "source_url": "https://getratescore.com/forecasts/2026-W45",
      "notes": "Target: PMMS of Thu Nov 5, 2026"
    }
  ],
  "historical_pmms": [
    {
      "date": "2026-10-29",
      "rate_30yr": 7.24,
      "rate_15yr": 6.6
    },
    {
      "date": "2026-10-22",
      "rate_30yr": 7.32,
      "rate_15yr": 6.68
    },
    {
      "date": "2026-10-15",
      "rate_30yr": 7.4,
      "rate_15yr": 6.71
    },
    {
      "date": "2026-10-08",
      "rate_30yr": 7.4,
      "rate_15yr": 6.73
    },
    {
      "date": "2026-10-01",
      "rate_30yr": 7.28,
      "rate_15yr": 6.6
    },
    {
      "date": "2026-09-24",
      "rate_30yr": 7.03,
      "rate_15yr": 6.42
    },
    {
      "date": "2026-09-17",
      "rate_30yr": 6.95,
      "rate_15yr": 6.26
    },
    {
      "date": "2026-09-10",
      "rate_30yr": 6.76,
      "rate_15yr": 6.09
    },
    {
      "date": "2026-09-03",
      "rate_30yr": 6.71,
      "rate_15yr": 6.04
    },
    {
      "date": "2026-08-27",
      "rate_30yr": 6.66,
      "rate_15yr": 5.98
    },
    {
      "date": "2026-08-20",
      "rate_30yr": 6.65,
      "rate_15yr": 5.95
    },
    {
      "date": "2026-08-13",
      "rate_30yr": 6.67,
      "rate_15yr": 5.96
    }
  ]
}