Market condition index · Current read
Real-estate financing ease/cost gauge. Rising REFI indicates easing credit and borrowing conditions; falling REFI indicates tighter credit, rising financing costs, and weaker capital formation.
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Official closes earn richer presentation. The selected current read is never spliced into certified history.
No certified official-close history yet. No line is drawn.
Only exact governed relationships are navigable. Shared tickers and price moves never create a link.
No Basket, Narrative, or Asset context is inferred from inputs, tickers, price moves, or static “related” lists.
Declared weights explain construction. They do not claim today's contribution or causal impact.
| Input | Source | Formula role | Weight | Cadence |
|---|---|---|---|---|
| MORTGAGE30US | fred | Rate · inverse | 18% | Weekly |
| DGS10 | fred | Rate · inverse | 15% | Daily |
Informational only — not investment advice. MarketSchema is not a registered investment adviser. Condition Percentile reads and indexes are quantitative measurements derived from public market data, not recommendations to buy or sell any security.
| fred |
| Rate · inverse |
| 12% |
| Daily |
| EFFR | fred | Rate · inverse | 12% | Daily |
| HYG | polygon | Price · positive | 16% | Intraday |
| DRSFRMACBS | fred | Macro · inverse | 8% | Quarterly |
| PERMIT | fred | Macro · positive | 7.0% | Monthly |
| VIX | cboe_polygon | Flow · inverse | 12% | Intraday |