Information Sources & Data References

To maintain accuracy, our financial models use data points published by federal agencies, national mortgage surveys, and credit bureaus.

Freddie Mac Primary Mortgage Market Survey (PMMS)

National interest rate baselines are modeled on weekly surveys published by Freddie Mac. This survey tracks average conforming interest rates and points offered by lenders to prime borrowers across the country.

Target Metric: conforming fixed interest rates

U.S. Census Bureau American Community Survey (ACS)

Median property tax rates and home valuations are derived from historical census data. We cross-reference ACS county tax records to pre-populate property tax averages.

Target Metric: county-level property tax median ratios

Federal Housing Finance Agency (FHFA) House Price Index

State-specific median home prices are estimated based on quarterly residential purchase price surveys compiled by the FHFA, tracking home value movements over time.

Target Metric: purchase price index and loan conforming limits

Consumer Financial Protection Bureau (CFPB)

Qualified mortgage underwriting criteria, Debt-to-Income brackets, and homeowners disclosures comply with lending rules defined by the CFPB.

Target Metric: Qualified Mortgage lending thresholds