πŸ“‘ Mortgage Market Signal Β· Updated Weekly

Mortgage Approval
Window Signal

The Approval Window Signal monitors current underwriting conditions and forward-looking indicators β€” helping brokers assess whether market conditions are opening or narrowing for their borrowers.

ℹ️ Educational tool only. Not a loan offer, mortgage advice, or approval guarantee. Results based on historical HMDA data β€” individual outcomes vary. Always consult a licensed mortgage professional. Methodology & limitations β†’
Approval Window Recommendation
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W2 Employment
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Approval Window Score
OFI Market Sensitivity
OFI 90-Day Forecast
Today
47
Current
60 Days
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90 Days
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Leading Indicators
30yr Mortgage Rate
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Unemployment
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Rate Momentum (6wk)
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Building Permits
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Market Pressure
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Last Updated
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Weekly refresh
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Methodology: Approval Window Score (AWS) combines current OFI with forward-looking FRED indicators: 30-year mortgage rate momentum (35% weight), building permits (20%), housing starts (15%), consumer sentiment (15%), weekly jobless claims (10%), fed funds direction (5%). Income type sensitivity modifies the base score β€” self-employed profiles are 2.7Γ— more sensitive to OFI changes than W2. OFI base model: OFI = 4.81 Γ— rate + 20.17 (r=0.902, n=44). Forecast horizon: 60-90 days. AWS is a probabilistic signal, not a guarantee. Market conditions change rapidly. Not financial advice. Full methodology β†’