Demo

Methodology

Public sources. Clear as-of dates. Citation-ready.

Three national series are live. Area scores stay in draft until they clear the rules below.

Government data gets revised, so we always show the date a number is from.

Source ledger

Where each number comes from, and how it changes.

Each series has a publisher, a schedule, and a revision habit. The date on the figure is the vintage you are citing.

30-year fixed mortgage rate

MORTGAGE30US

Freddie Mac PMMS, via FRED

Weekly, Thursdays

A published week is not normally restated.

November 5, 2026

House price index

U.S. purchase-only, seasonally adjusted

FHFA

Monthly, about two months behind

Recent months are re-estimated with each release.

August 2026

New housing units permitted

Building Permits Survey, state monthly, summed

U.S. Census Bureau

Monthly

Figures are revised in later releases.

September 2026

Rules for a score

  1. 01

    Source and as-of on every figure

    A figure without both does not belong in the memo. Public series are revised. The as-of date is the vintage on the page.

  2. 02

    Withhold below 70% coverage

    If fewer than 70% of an area’s inputs have data, the score is withheld. A missing input is shown as missing.

  3. 03

    Back-test before release

    A score is checked against what happened next before it leaves draft. Heat and Affordability are still in draft. Nine further scores are named and not scored.

  4. 04

    Never about a borrower

    Scores describe a property or a community. They do not describe an individual borrower.

What we are not

Viderics provides market information and analytical tools for professional audiences. Nothing on this site is investment, legal, tax, or lending advice.

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