{
 "dataset": "Mortgage Rate Spread Over the 10-Year Treasury: 1971–2026",
 "source": "Freddie Mac",
 "fred_series": "MORTGAGE30US",
 "fred_url": "https://fred.stlouisfed.org/series/MORTGAGE30US",
 "unit": " pp",
 "frequency": "annual",
 "coverage": "1971-2026",
 "data_through": "week ending 2026-10-29",
 "publisher": "CapitalWire",
 "page": "https://infornkn.com/data/mortgage-spread/",
 "license": "CC BY 4.0",
 "attribution": "CapitalWire, from Freddie Mac via FRED",
 "observations": [
  {
   "year": "1971",
   "value": 1.35
  },
  {
   "year": "1972",
   "value": 1.17
  },
  {
   "year": "1973",
   "value": 1.2
  },
  {
   "year": "1974",
   "value": 1.62
  },
  {
   "year": "1975",
   "value": 1.07
  },
  {
   "year": "1976",
   "value": 1.26
  },
  {
   "year": "1977",
   "value": 1.42
  },
  {
   "year": "1978",
   "value": 1.22
  },
  {
   "year": "1979",
   "value": 1.76
  },
  {
   "year": "1980",
   "value": 2.32
  },
  {
   "year": "1981",
   "value": 2.77
  },
  {
   "year": "1982",
   "value": 3.11
  },
  {
   "year": "1983",
   "value": 2.11
  },
  {
   "year": "1984",
   "value": 1.43
  },
  {
   "year": "1985",
   "value": 1.81
  },
  {
   "year": "1986",
   "value": 2.5
  },
  {
   "year": "1987",
   "value": 1.83
  },
  {
   "year": "1988",
   "value": 1.5
  },
  {
   "year": "1989",
   "value": 1.84
  },
  {
   "year": "1990",
   "value": 1.59
  },
  {
   "year": "1991",
   "value": 1.39
  },
  {
   "year": "1992",
   "value": 1.39
  },
  {
   "year": "1993",
   "value": 1.45
  },
  {
   "year": "1994",
   "value": 1.28
  },
  {
   "year": "1995",
   "value": 1.38
  },
  {
   "year": "1996",
   "value": 1.36
  },
  {
   "year": "1997",
   "value": 1.24
  },
  {
   "year": "1998",
   "value": 1.69
  },
  {
   "year": "1999",
   "value": 1.78
  },
  {
   "year": "2000",
   "value": 2.04
  },
  {
   "year": "2001",
   "value": 1.94
  },
  {
   "year": "2002",
   "value": 1.93
  },
  {
   "year": "2003",
   "value": 1.82
  },
  {
   "year": "2004",
   "value": 1.57
  },
  {
   "year": "2005",
   "value": 1.58
  },
  {
   "year": "2006",
   "value": 1.62
  },
  {
   "year": "2007",
   "value": 1.7
  },
  {
   "year": "2008",
   "value": 2.38
  },
  {
   "year": "2009",
   "value": 1.76
  },
  {
   "year": "2010",
   "value": 1.47
  },
  {
   "year": "2011",
   "value": 1.67
  },
  {
   "year": "2012",
   "value": 1.85
  },
  {
   "year": "2013",
   "value": 1.63
  },
  {
   "year": "2014",
   "value": 1.63
  },
  {
   "year": "2015",
   "value": 1.71
  },
  {
   "year": "2016",
   "value": 1.81
  },
  {
   "year": "2017",
   "value": 1.66
  },
  {
   "year": "2018",
   "value": 1.64
  },
  {
   "year": "2019",
   "value": 1.8
  },
  {
   "year": "2020",
   "value": 2.21
  },
  {
   "year": "2021",
   "value": 1.51
  },
  {
   "year": "2022",
   "value": 2.39
  },
  {
   "year": "2023",
   "value": 2.85
  },
  {
   "year": "2024",
   "value": 2.51
  },
  {
   "year": "2025",
   "value": 2.3
  },
  {
   "year": "2026",
   "value": 1.99
  }
 ]
}