Housing Intel

Housing Mortgage History

housing_mortgage_history

Read-onlyIdempotent

Freddie Mac Primary Mortgage Market Survey — the weekly US mortgage INTEREST rate (the annual percentage borrowers pay on a home loan, e.g. 6.5%), back to 1971. This is the borrowing cost paid by home buyers. Returns the latest snapshot, a time series for the requested window, and min/max/avg stats. Sourced from Freddie Mac directly (not FRED), ingested weekly by the Pipeworx data pipeline.

Input Schema

TableJSON Schema

Name	Required	Description	Default
`as_of`	No	Optional YYYY-MM-DD — returns the rate for the closest observation on or before that date instead of the latest.
`window`	No	1m \| 3m \| 6m \| 1y \| 5y \| all (default 1y)

Output Schema

TableJSON Schema

Name	Required	Description
`note`	No
`stats`	No
`series`	No
`source`	No
`snapshot`	No
`freshness`	No
`treasury_10y_since_observation`	No	10-year Treasury (FRED DGS10) move since the last PMMS print. null when the print is under 2 days old or when as_of was given; {unavailable: reason} when FRED could not answer.

Schema Changelog

Changes observed during successful MCP inspections.

Changed16 schema fields changedOct 12, 2026
- changedOutput schema / properties / freshness / properties / age_days / type
```
Previous value: -"number"New value: +[
+  "number",
+  "null"
+]
```
- changedOutput schema / properties / freshness / properties / current_for_cadence / type
```
Previous value: -"boolean"New value: +[
+  "boolean",
+  "null"
+]
```
- changedOutput schema / properties / freshness / properties / next_publication_expected / type
```
Previous value: -"string"New value: +[
+  "string",
+  "null"
+]
```
- changedOutput schema / properties / series / items / properties / rate_15y_fixed / type
```
Previous value: -"number"New value: +[
+  "number",
+  "null"
+]
```
- changedOutput schema / properties / series / items / properties / rate_30y_fixed / type
```
Previous value: -"number"New value: +[
+  "number",
+  "null"
+]
```
- changedOutput schema / properties / series / items / properties / rate_5_1_arm / type
```
Previous value: -"null"New value: +[
+  "number",
+  "null"
+]
```
- changedOutput schema / properties / snapshot / properties / as_of_requested / type
```
Previous value: -"null"New value: +[
+  "string",
+  "null"
+]
```
- changedOutput schema / properties / snapshot / properties / points_15y / type
```
Previous value: -"null"New value: +[
+  "number",
+  "null"
+]
```
- changedOutput schema / properties / snapshot / properties / points_30y / type
```
Previous value: -"null"New value: +[
+  "number",
+  "null"
+]
```
- changedOutput schema / properties / snapshot / properties / rate_15y_fixed / type
```
Previous value: -"number"New value: +[
+  "number",
+  "null"
+]
```
- changedOutput schema / properties / snapshot / properties / rate_30y_fixed / type
```
Previous value: -"number"New value: +[
+  "number",
+  "null"
+]
```
- changedOutput schema / properties / snapshot / properties / rate_5_1_arm / type
```
Previous value: -"null"New value: +[
+  "number",
+  "null"
+]
```
- changedOutput schema / properties / stats / type
```
Previous value: -"object"New value: +[
+  "object",
+  "null"
+]
```
- addedOutput schema / properties / treasury_10y_since_observation / description
```
Added value: +"10-year Treasury (FRED DGS10) move since the last PMMS print. null when the print is under 2 days old or when as_of was given; {unavailable: reason} when FRED could not answer."
```
- addedOutput schema / properties / treasury_10y_since_observation / properties / unavailable
```
Added value: +{
+  "type": "string"
+}
```
- changedOutput schema / properties / treasury_10y_since_observation / type
```
Previous value: -"object"New value: +[
+  "object",
+  "null"
+]
```

Changed20 schema fields changedSep 27, 2026

removedOutput schema / properties / as_of_snapshot

Removed value: -{
-  "properties": {
-    "date": {
-      "description": "Closest observation on or before requested as_of date",
-      "type": "string"
-    },
-    "rate_30yr": {
-      "description": "30-year fixed mortgage rate (percent)",
-      "type": [
-        "number",
-        "null"
-      ]
-    }
-  },
-  "type": "object"
-}

addedOutput schema / properties / freshness

Added value: +{
+  "properties": {
+    "age_days": {
+      "type": "number"
+    },
+    "cadence": {
+      "type": "string"
+    },
+    "current_for_cadence": {
+      "type": "boolean"
+    },
+    "instrument": {
+      "type": "string"
+    },
+    "next_publication_expected": {
+      "type": "string"
+    },
+    "observation_date": {
+      "type": [
+        "string",
+        "null"
+      ]
+    },
+    "publishes": {
+      "type": "string"
+    },
+    "statement": {
+      "type": "string"
+    }
+  },
+  "type": "object"
+}

removedOutput schema / properties / latest

Removed value: -{
-  "properties": {
-    "date": {
-      "description": "ISO date of latest observation",
-      "type": "string"
-    },
-    "rate_30yr": {
-      "description": "30-year fixed mortgage rate (percent)",
-      "type": [
-        "number",
-        "null"
-      ]
-    }
-  },
-  "type": "object"
-}

addedOutput schema / properties / note
```
Added value: +{
+  "type": "string"
+}
```

addedOutput schema / properties / series

Added value: +{
+  "items": {
+    "properties": {
+      "date": {
+        "type": "string"
+      },
+      "rate_15y_fixed": {
+        "type": "number"
+      },
+      "rate_30y_fixed": {
+        "type": "number"
+      },
+      "rate_5_1_arm": {
+        "type": "null"
+      }
+    },
+    "type": "object"
+  },
+  "type": "array"
+}

addedOutput schema / properties / snapshot

Added value: +{
+  "properties": {
+    "as_of_requested": {
+      "type": "null"
+    },
+    "observation_date": {
+      "type": [
+        "string",
+        "null"
+      ]
+    },
+    "points_15y": {
+      "type": "null"
+    },
+    "points_30y": {
+      "type": "null"
+    },
+    "rate_15y_fixed": {
+      "type": "number"
+    },
+    "rate_30y_fixed": {
+      "type": "number"
+    },
+    "rate_5_1_arm": {
+      "type": "null"
+    }
+  },
+  "type": "object"
+}

addedOutput schema / properties / source
```
Added value: +{
+  "type": "string"
+}
```

removedOutput schema / properties / stats / properties / avg

Removed value: -{
-  "description": "Average rate in window (percent)",
-  "type": [
-    "number",
-    "null"
-  ]
-}

addedOutput schema / properties / stats / properties / avg_30y
```
Added value: +{
+  "type": "number"
+}
```

addedOutput schema / properties / stats / properties / from_date

Added value: +{
+  "type": [
+    "string",
+    "null"
+  ]
+}

removedOutput schema / properties / stats / properties / max

Removed value: -{
-  "description": "Maximum rate in window (percent)",
-  "type": [
-    "number",
-    "null"
-  ]
-}

addedOutput schema / properties / stats / properties / max_30y
```
Added value: +{
+  "type": "number"
+}
```

removedOutput schema / properties / stats / properties / min

Removed value: -{
-  "description": "Minimum rate in window (percent)",
-  "type": [
-    "number",
-    "null"
-  ]
-}

addedOutput schema / properties / stats / properties / min_30y
```
Added value: +{
+  "type": "number"
+}
```
addedOutput schema / properties / stats / properties / observations
```
Added value: +{
+  "type": "number"
+}
```

addedOutput schema / properties / stats / properties / to_date

Added value: +{
+  "type": [
+    "string",
+    "null"
+  ]
+}

addedOutput schema / properties / stats / properties / window
```
Added value: +{
+  "type": "string"
+}
```

removedOutput schema / properties / time_series

Removed value: -{
-  "description": "Historical mortgage rates in chronological order",
-  "items": {
-    "properties": {
-      "date": {
-        "description": "ISO date of observation",
-        "type": "string"
-      },
-      "rate_30yr": {
-        "description": "30-year fixed mortgage rate (percent)",
-        "type": [
-          "number",
-          "null"
-        ]
-      }
-    },
-    "type": "object"
-  },
-  "type": "array"
-}

addedOutput schema / properties / treasury_10y_since_observation

Added value: +{
+  "properties": {
+    "change_bp": {
+      "type": "number"
+    },
+    "from_date": {
+      "type": [
+        "string",
+        "null"
+      ]
+    },
+    "from_pct": {
+      "type": "number"
+    },
+    "observations": {
+      "type": "number"
+    },
+    "series_id": {
+      "type": "string"
+    },
+    "to_date": {
+      "type": [
+        "string",
+        "null"
+      ]
+    },
+    "to_pct": {
+      "type": "number"
+    }
+  },
+  "type": "object"
+}

removedOutput schema / properties / window

Removed value: -{
-  "description": "Time window requested (1m, 3m, 6m, 1y, 5y, all)",
-  "type": "string"
-}

AddedMay 28, 2026
RemovedMay 28, 2026
AddedMay 27, 2026
RemovedMay 27, 2026
AddedMay 26, 2026
RemovedMay 26, 2026
AddedMay 26, 2026
RemovedMay 26, 2026

Changed14 schema fields changedMay 24, 2026

addedInput schema / examples

Added value: +[
+  {
+    "window": "1y"
+  },
+  {
+    "as_of": "2024-01-15",
+    "window": "5y"
+  }
+]

addedOutput schema / properties / as_of_snapshot

Added value: +{
+  "properties": {
+    "date": {
+      "description": "Closest observation on or before requested as_of date",
+      "type": "string"
+    },
+    "rate_30yr": {
+      "description": "30-year fixed mortgage rate (percent)",
+      "type": [
+        "number",
+        "null"
+      ]
+    }
+  },
+  "type": "object"
+}

removedOutput schema / properties / current_rate

Removed value: -{
-  "description": "Latest mortgage rate (%)",
-  "type": "number"
-}

removedOutput schema / properties / error

Removed value: -{
-  "description": "Error message if data unavailable",
-  "type": "string"
-}

addedOutput schema / properties / latest

Added value: +{
+  "properties": {
+    "date": {
+      "description": "ISO date of latest observation",
+      "type": "string"
+    },
+    "rate_30yr": {
+      "description": "30-year fixed mortgage rate (percent)",
+      "type": [
+        "number",
+        "null"
+      ]
+    }
+  },
+  "type": "object"
+}

removedOutput schema / properties / note

Removed value: -{
-  "description": "Data source (Freddie Mac Primary Mortgage Market Survey)",
-  "type": "string"
-}

removedOutput schema / properties / snapshot_date

Removed value: -{
-  "description": "ISO date of latest observation",
-  "type": "string"
-}

removedOutput schema / properties / statistics

Removed value: -{
-  "properties": {
-    "average": {
-      "description": "Average rate in window",
-      "type": "number"
-    },
-    "maximum": {
-      "description": "Max rate in window",
-      "type": "number"
-    },
-    "minimum": {
-      "description": "Min rate in window",
-      "type": "number"
-    },
-    "observations": {
-      "description": "Number of observations in window",
-      "type": "integer"
-    }
-  },
-  "type": "object"
-}

addedOutput schema / properties / stats

Added value: +{
+  "properties": {
+    "avg": {
+      "description": "Average rate in window (percent)",
+      "type": [
+        "number",
+        "null"
+      ]
+    },
+    "max": {
+      "description": "Maximum rate in window (percent)",
+      "type": [
+        "number",
+        "null"
+      ]
+    },
+    "min": {
+      "description": "Minimum rate in window (percent)",
+      "type": [
+        "number",
+        "null"
+      ]
+    }
+  },
+  "type": "object"
+}

addedOutput schema / properties / time_series / description

Added value: +"Historical mortgage rates in chronological order"

changedOutput schema / properties / time_series / items / properties / date / description

Previous value: -"Observation date (YYYY-MM-DD)"New value: +"ISO date of observation"

removedOutput schema / properties / time_series / items / properties / rate

Removed value: -{
-  "description": "Mortgage rate (%)",
-  "type": "number"
-}

addedOutput schema / properties / time_series / items / properties / rate_30yr

Added value: +{
+  "description": "30-year fixed mortgage rate (percent)",
+  "type": [
+    "number",
+    "null"
+  ]
+}

removedOutput schema / required

Removed value: -[
-  "snapshot_date",
-  "window"
-]

Changed1 schema field changedMay 22, 2026

changedOutput schema / (root)

Previous value: -nullNew value: +{
+  "properties": {
+    "current_rate": {
+      "description": "Latest mortgage rate (%)",
+      "type": "number"
+    },
+    "error": {
+      "description": "Error message if data unavailable",
+      "type": "string"
+    },
+    "note": {
+      "description": "Data source (Freddie Mac Primary Mortgage Market Survey)",
+      "type": "string"
+    },
+    "snapshot_date": {
+      "description": "ISO date of latest observation",
+      "type": "string"
+    },
+    "statistics": {
+      "properties": {
+        "average": {
+          "description": "Average rate in window",
+          "type": "number"
+        },
+        "maximum": {
+          "description": "Max rate in window",
+          "type": "number"
+        },
+        "minimum": {
+          "description": "Min rate in window",
+          "type": "number"
+        },
+        "observations": {
+          "description": "Number of observations in window",
+          "type": "integer"
+        }
+      },
+      "type": "object"
+    },
+    "time_series": {
+      "items": {
+        "properties": {
+          "date": {
+            "description": "Observation date (YYYY-MM-DD)",
+            "type": "string"
+          },
+          "rate": {
+            "description": "Mortgage rate (%)",
+            "type": "number"
+          }
+        },
+        "type": "object"
+      },
+      "type": "array"
+    },
+    "window": {
+      "description": "Time window requested (1m, 3m, 6m, 1y, 5y, all)",
+      "type": "string"
+    }
+  },
+  "required": [
+    "snapshot_date",
+    "window"
+  ],
+  "type": "object"
+}

AddedMay 21, 2026

TDQS

A3.8/5.0

Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare readOnly, idempotent, openWorld and non-destructive, so the safety profile is covered. The description adds genuinely useful behavioral context beyond that: the upstream source (Freddie Mac directly, not FRED), the weekly ingestion cadence, and the shape of the response (latest snapshot + windowed time series + min/max/avg stats). No rate limits or latency characteristics are mentioned.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Front-loaded with the source and metric, and sized reasonably at four sentences. However, 'the annual percentage borrowers pay on a home loan' and 'This is the borrowing cost paid by home buyers' restate the same idea, and the Freddie Mac provenance is stated twice — a small amount of redundancy that could be trimmed.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

An output schema exists, so return values needn't be spelled out, yet the description still outlines them helpfully. With full schema coverage, complete annotations, and explicit statements about data source, cadence, historical depth and response shape, an agent has everything needed to invoke this correctly.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100% — both 'as_of' and 'window' are documented in the schema with formats and allowed values, so the schema carries the parameter burden. The description never mentions either parameter, so it adds no meaning beyond the schema. Baseline 3 applies.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description states a precise resource (Freddie Mac PMMS weekly US mortgage interest rate) with real-world framing ('annual percentage borrowers pay on a home loan, e.g. 6.5%') and a clear temporal scope (back to 1971), so an agent immediately knows what data this returns. It disambiguates from the *source* FRED, but not from sibling housing_* tools (e.g. housing_market_snapshot, housing_affordability_check), which is why this lands at 4 rather than 5.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Usage is only implied: a weekly series back to 1971 signals 'use me for historical rate / borrowing-cost questions,' and the FRED exclusion clarifies the data lineage. There is no explicit when-to-use, no when-not-to-use, and no named alternative among the many housing_* siblings an agent must choose between.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

All Housing Intel tools Inspect

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