{"releaseId":"cf7257cf-5472-488f-99cd-64ae8b20eb57","importedAt":"2026-10-24T21:55:57.650Z","releaseGeneratedAt":"2026-10-24T14:35:24.355Z","refreshStatus":"snapshot-only","refreshNote":"Imported from a hash-verified sealed RateChecker release. Source observation dates remain separate from publication and import dates. Editions may opt into the published feed; this file remains the verified fallback.","attribution":"Source: Freddie Mac Primary Mortgage Market Survey, via RateChecker.ai. No affiliation or endorsement. U.S. national survey averages, not city rates, APRs or lender offers.","observations":[{"term":30,"rate":7.32,"effectiveDate":"2026-10-22","observedAt":"2026-10-24T14:35:11.968Z","sourceUrl":"https://www.freddiemac.com/pmms/pmms_archives","sourceName":"Freddie Mac Primary Mortgage Market Survey","assumptions":"Freddie Mac PMMS national average based on eligible conventional, single-family purchase applications with conforming loan limits. Released weekly; it reflects loan rates offered during the prior Thursday through Wednesday. It is a market survey benchmark, not an individual lender quote, APR, or guaranteed customer rate."},{"term":15,"rate":6.68,"effectiveDate":"2026-10-22","observedAt":"2026-10-24T14:35:11.968Z","sourceUrl":"https://www.freddiemac.com/pmms/pmms_archives","sourceName":"Freddie Mac Primary Mortgage Market Survey","assumptions":"Freddie Mac PMMS national average based on eligible conventional, single-family purchase applications with conforming loan limits. Released weekly; it reflects loan rates offered during the prior Thursday through Wednesday. It is a market survey benchmark, not an individual lender quote, APR, or guaranteed customer rate."}],"feedCheckedAt":"2026-10-25T05:51:16.093Z","refreshError":"Published feed unavailable or inconsistent; dated verified snapshot shown"}