CFBTrack Labs / Data status
Source releases, not request-time guesses
Mortgage Time Machine never calls a government or third-party API in the critical page-request path. A value can become public only after download, checksum, validation, versioning, attribution review, and atomic release approval.
| Source | Role | Status |
|---|---|---|
| Freddie Mac PMMS / FRED | National fixed-rate benchmark history | Pending public-release approval |
| FHFA House Price Index | Market-level modeled price paths | Pending public-release approval |
| Census ACS | Rent, value anchors, and effective tax estimates | Pending variable/release approval |
| HUD Fair Market Rent | Named FMR benchmark—not median asking rent | Pending terms/attribution approval |
| BLS CPI-U | Observed real-dollar conversion | Pending release approval |
| CFPB / FFIEC HMDA | Suppressed aggregate originated-rate distributions | Disabled pending Phase 9 privacy and methodology gate |
What the live calculator uses today
Until an approved release is active, the flagship displays manual inputs and clearly labeled projected/default assumptions. It does not present modeled HPI values as recorded sale prices, FMR as asking rent, ACS estimates as exact bills, or a national mortgage benchmark as a personalized offer.