US keyless mortgage-rate pressure panel (weekly, Freddie Mac PMMS)
Weekly US mortgage-rate pressure intelligence from Freddie Mac's Primary Mortgage Market Survey full-history archive (keyless XLSX, 1971-04-02 -> present; 30y/15y fixed rates with fees/points and the 5/1 ARM through the November 2022 survey revamp). Per week: 30y-15y spread, 1/4/13-week changes in basis points, 52-week change, trailing-52-week z-score, 13-week change volatility, a documented 5-state rate_regime classifier, high/low-rate flags, and a documented 0-100 pressure_score composite (high = expensive and rising: a demand headwind for rate-sensitive businesses). Keyless replacement path for the FRED-key-gated fred_mortgage_signals dataset, rebuilt from the primary source. Who joins this: a subscription business joins weekly churn or expansion revenue to week_ending to model household-budget-pressure-driven cancellations; an online shop selling big-ticket or durable goods joins weekly orders to week_ending to capture rate-driven demand swings; a sales team times territory outreach on rate_regime shifts. Caveat: Freddie Mac occasionally restates the latest weekly observation the following Thursday, so momentum flags on the newest week carry revision risk. Source: Freddie Mac.
- Source
- Freddie Mac
- Rows
- 2,896
- Columns
- 23
- Source cadence
- Weekly
- Last refreshed
- Sep 29, 2026
- Theme
- finance
| Column | Type | Description |
|---|---|---|
| week_ending | string | Survey week (Thursday), ISO date. Primary join key: a business joins its own weekly series on this date. (unit: ISO date) |
| country_code | string | ISO alpha-3 country code (USA for every row). (unit: ISO 3166-1 alpha-3) |
| country | string | Canonical country name (United States). |
| fr30_rate_pct | float | 30-year fixed-rate mortgage, U.S. weekly average, percent. The anchor series for every derived feature. (unit: percent) |
| fr15_rate_pct | float | 15-year fixed-rate mortgage, U.S. weekly average, percent. (unit: percent) |
| arm51_rate_pct | float | 5/1 adjustable-rate mortgage, U.S. weekly average, percent. Null after 2022-11-10: Freddie Mac discontinued the 5/1 ARM in the November 2022 PMMS revamp. (unit: percent) |
| fr30_points | float | 30-year FRM average fees and points. Null after 2022-11-10 (discontinued in the November 2022 PMMS revamp). (unit: points) |
| fr15_points | float | 15-year FRM average fees and points. Null after 2022-11-10 (discontinued in the November 2022 PMMS revamp). (unit: points) |
| arm51_points | float | 5/1 ARM average fees and points. Null after 2022-11-10 (discontinued in the November 2022 PMMS revamp). (unit: points) |
| arm51_margin_pct | float | 5/1 ARM average margin, percent. Null after 2022-11-10 (discontinued in the November 2022 PMMS revamp). (unit: percent) |
| spread_30y_15y_bp | float | 100 * (30y FRM - 15y FRM): the term premium households pay for the longer fix, in basis points. (unit: basis points) |
| chg_1w_bp | float | Week-over-week change in the 30y FRM, basis points. (unit: basis points) |
| chg_4w_bp | float | 4-week change in the 30y FRM, basis points. Drives rate_regime. (unit: basis points) |
| chg_13w_bp | float | 13-week (~quarterly) change in the 30y FRM, basis points. (unit: basis points) |
| chg_52w_pp | float | 52-week change in the 30y FRM, percentage points. (unit: percentage points) |
| zscore_52w | float | Z-score of the 30y FRM against the trailing 52 weeks (exclusive of the current week). Null until 52 weeks of history exist. (unit: z-score) |
| vol_13w_bp | float | Standard deviation of weekly 30y FRM changes over the trailing 13 weeks, in basis points. Null until 13 weekly changes exist. (unit: basis points) |
| rate_regime | string | Documented 5-state classifier on chg_4w_bp: plunging (<= -50bp), falling (-50bp, -15bp], stable (-15bp, +15bp), rising [+15bp, +50bp], surging (> +50bp). (unit: category) |
| high_rate_flag | integer | 1 when the 30y FRM exceeds 7.0%. (unit: binary) |
| low_rate_flag | integer | 1 when the 30y FRM is below 4.0%. (unit: binary) |
| pressure_score | float | Documented 0-100 composite: clip(0.65 * level_pctile_5y + 0.35 * (50 + 50 * mom), 0, 100), where level_pctile_5y is the 0-100 percentile rank of the 30y rate within the trailing 260 weeks and mom = clip(chg_4w_bp, -75, +75) / 75. High = expensive and rising: a demand headwind for rate-sensitive businesses. Null until 260 weeks of history exist. (unit: 0-100 score) |
| source_url | string | Exact PMMS archive URL behind this row's provenance. (unit: URL) |
| row_hash | string | Deterministic 16-hex row id: sha256('PMMS|<week_ending>'). (unit: hash) |
First 10 sample rows — a preview, not the complete dataset.
| week_ending | country_code | country | fr30_rate_pct | fr15_rate_pct | arm51_rate_pct | fr30_points | fr15_points | arm51_points | arm51_margin_pct | spread_30y_15y_bp | chg_1w_bp | chg_4w_bp | chg_13w_bp | chg_52w_pp | zscore_52w | vol_13w_bp | rate_regime | high_rate_flag | low_rate_flag | pressure_score | source_url | row_hash |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1971-04-02 | USA | United States | 7.33 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 1 | 0 | — | https://www.freddiemac.com/pmms/docs/historicalweeklydata.xlsx | 28708aafe4888a0c |
| 1971-04-09 | USA | United States | 7.31 | — | — | — | — | — | — | — | -2 | — | — | — | — | — | — | 1 | 0 | — | https://www.freddiemac.com/pmms/docs/historicalweeklydata.xlsx | 57ea34eb5d161103 |
| 1971-04-16 | USA | United States | 7.31 | — | — | — | — | — | — | — | 0 | — | — | — | — | — | — | 1 | 0 | — | https://www.freddiemac.com/pmms/docs/historicalweeklydata.xlsx | dddb6e7776bde884 |
| 1971-04-23 | USA | United States | 7.31 | — | — | — | — | — | — | — | 0 | — | — | — | — | — | — | 1 | 0 | — | https://www.freddiemac.com/pmms/docs/historicalweeklydata.xlsx | b35220b2d5a1ea65 |
| 1971-04-30 | USA | United States | 7.29 | — | — | — | — | — | — | — | -2 | -4 | — | — | — | — | stable | 1 | 0 | — | https://www.freddiemac.com/pmms/docs/historicalweeklydata.xlsx | 7d1abef31a5a1ac4 |
| 1971-05-07 | USA | United States | 7.38 | — | — | — | — | — | — | — | 9 | 7 | — | — | — | — | stable | 1 | 0 | — | https://www.freddiemac.com/pmms/docs/historicalweeklydata.xlsx | d7512b0f7b0cd318 |
| 1971-05-14 | USA | United States | 7.42 | — | — | — | — | — | — | — | 4 | 11 | — | — | — | — | stable | 1 | 0 | — | https://www.freddiemac.com/pmms/docs/historicalweeklydata.xlsx | 2615c4508ee57712 |
| 1971-05-21 | USA | United States | 7.44 | — | — | — | — | — | — | — | 2 | 13 | — | — | — | — | stable | 1 | 0 | — | https://www.freddiemac.com/pmms/docs/historicalweeklydata.xlsx | 9802f4161db43e71 |
| 1971-05-28 | USA | United States | 7.46 | — | — | 1 | — | — | — | — | 2 | 17 | — | — | — | — | rising | 1 | 0 | — | https://www.freddiemac.com/pmms/docs/historicalweeklydata.xlsx | 86ae7d26c4587d12 |
| 1971-06-04 | USA | United States | 7.52 | — | — | — | — | — | — | — | 6 | 14 | — | — | — | — | stable | 1 | 0 | — | https://www.freddiemac.com/pmms/docs/historicalweeklydata.xlsx | ea8a8d416d793d79 |
- Current
20260929T175903Z-e0587b851e0c · sha256 e0587b851e0c…
2,896 rows · first snapshot
Point any LLM at the metadata endpoint — the documentation above is machine-readable too (JSON-LD + Croissant).
curl "https://datazimuts.com/v1/datasets/pmms_mortgage_rate_signals/us_pmms_mortgage_rate_weekly" | jq '{title, rows, columns_count, license}'import requests
ds = requests.get("https://datazimuts.com/v1/datasets/pmms_mortgage_rate_signals/us_pmms_mortgage_rate_weekly").json()
print(ds["title"], ds["rows"], "rows")
# Sample rows for an LLM context window
for row in ds.get("sample_rows", [])[:5]:
print(row)API endpoint: https://datazimuts.com/v1/datasets/pmms_mortgage_rate_signals/us_pmms_mortgage_rate_weekly
Tip: fetch /llms.txt for the full machine-readable catalog.
Where this data comes from and what was made from it. Other people's work shows as counts; only shared projects are named.
Cite this snapshot
Pinned to snapshot 20260929T175903Z-e0587b851e0c and its content hash, so readers get exactly the data you used.
Freddie Mac. (2026). US keyless mortgage-rate pressure panel (weekly, Freddie Mac PMMS) [Data set, snapshot 20260929T175903Z-e0587b851e0c, sha256 e0587b851e0c]. Datazimuts. Retrieved 2026-09-30, from https://datazimuts.com/en/datasets/pmms_mortgage_rate_signals/us_pmms_mortgage_rate_weekly?snapshot=20260929T175903Z-e0587b851e0c
@misc{dz_pmms_mortgage_rate_signals_us_pmms_mortg_e0587b85,
title = {{US keyless mortgage-rate pressure panel (weekly, Freddie Mac PMMS)}},
author = {{Freddie Mac}},
year = {2026},
publisher = {Datazimuts},
howpublished = {\url{https://datazimuts.com/en/datasets/pmms_mortgage_rate_signals/us_pmms_mortgage_rate_weekly?snapshot=20260929T175903Z-e0587b851e0c}},
note = {Snapshot 20260929T175903Z-e0587b851e0c, sha256 e0587b851e0ca55ccffe51a557d16c5932e9f89cb1509fe8ae8e720e28c04346; accessed 2026-09-30}
}Embed a table or a chart
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<iframe src="https://datazimuts.com/embed/chart?dataset=pmms_mortgage_rate_signals%2Fus_pmms_mortgage_rate_weekly&lang=en&theme=auto&snapshot=20260929T175903Z-e0587b851e0c&x=week_ending&y=fr30_rate_pct&agg=avg" title="US keyless mortgage-rate pressure panel (weekly, Freddie Mac PMMS)" width="100%" height="380" style="border:0" loading="lazy"></iframe>
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