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StationFX Mortgage Rate vs 10-Year Treasury Spread
x402
StationFX Mortgage Rate vs 10-Year Treasury Spread is a paid API for AI agents from stationfx.com, paid per call via x402, $0.008/call, status unknown (last checked 2026-10-02).
Returns the pre-computed weekly spread between the 30-year fixed mortgage rate and the 10-year Treasury yield, with statistical enrichments like z-scores, percentile ranks, and rolling averages.
Price / call$0.008
Success—
StatusUnknown
How this service works
30-year fixed mortgage rate minus 10-year Treasury yield. Measures the premium mortgage lenders charge above the risk-free benchmark. Normal range 150-200bps; elevated spread signals lender risk aversion or MBS prepayment concerns. Pre-computed weekly from MORTGAGE30US and DGS10.
Output
Returns an array of weekly observations, each containing the spread value (30-year mortgage rate minus 10-year Treasury yield, in percentage points), along with enriched statistics: month-over-month and year-over-year absolute and percentage changes, 12-month and 5-year z-scores, 5-year percentile rank, 3-month and 12-month rolling averages, and an above-trend binary flag. Output is available in standard JSON or compact 'toon' format for agent consumption.
Example use cases
Detecting lender risk aversion spike
“Has the mortgage-Treasury spread spiked recently? Pull the last 6 months of data and tell me if the current spread is statistically elevated — show me the z-score and percentile rank relative to the past 5 years.”
Housing affordability macro briefing
“I'm putting together a macro housing affordability note — can you get me the weekly mortgage rate vs 10-year Treasury spread from 2023-01-01 to 2024-12-31 so I can see how the premium lenders charged evolved over that period?”
Monitoring MBS prepayment risk signal
“Is the mortgage spread signaling MBS prepayment concerns right now? Show me the latest reading and whether it's above the long-run trend.”
Technical details
Endpoint
GEThttps://stationfx.com/economic-data/cross-signal/mortgage-rate-vs-10y-treasury-spread?utm_source=zero.xyzWhen to prefer
Choose this endpoint when you need a pre-computed, statistically enriched time series of the mortgage-Treasury spread without having to source and subtract MORTGAGE30US and DGS10 yourself. It is superior to raw FRED data pulls when you need z-scores, percentile ranks, and trend flags already calculated. Ideal for macro dashboards, housing market alerts, and agent workflows that need to assess lender risk aversion or MBS market conditions on a weekly cadence.
Side effects
- Invalid date format returns a 400 error
- date_from after date_to results in empty data array or error
- Requesting dates before available history returns empty or partial results
- Invalid fmt enum value may return a 400 or default to json
- Micropayment failure (x402) blocks response if USDC balance insufficient
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"schema": {
"type": "object",
"properties": {
"data": {
"type": "array",
"items": {
"type": "object",
"properties": {
"date": {
"type": "string",
"description": "Observation date YYYY-MM-DD"
},
"value": {
"type": "number",
"description": "Raw observed value in series units"
},
"mom_pct": {
"type": "number",
"description": "Month-over-month % change"
},
"yoy_pct": {
"type": "number",
"description": "Year-over-year % change"
},
"zscore_5y": {
"type": "number",
"description": "Z-score relative to trailing 5 years"
},
"mom_change": {
"type": "number",
"description": "Month-over-month absolute change"
},
"yoy_change": {
"type": "number",
"description": "Year-over-year absolute change"
},
"zscore_12m": {
"type": "number",
"description": "Z-score relative to trailing 12 months"
},
"above_trend": {
"type": "integer",
"description": "1 if value is above long-run trend, else 0"
},
"pct_rank_5y": {
"type": "number",
"description": "Percentile rank over trailing 5 years (0-100)"
},
"rolling_3m_avg": {
"type": "number",
"description": "3-month rolling average"
},
"rolling_12m_avg": {
"type": "number",
"description": "12-month rolling average"
},
"trend_direction": {
"type": "integer",
"description": "Trend: 1 rising, -1 falling, 0 flat"
}
}
},
"description": "Observations ordered by date ascending"
},
"meta": {
"type": "object",
"description": "Series metadata: source_key (FRED series ID), units, frequency (D/W/M/Q/A), date_from, date_to, fields"
}
},
"description": "Station f(x) response with metadata and pre-computed derived metrics"
},
"example": {
"data": [
{
"date": "2024-01-01",
"value": 5.33,
"mom_pct": 0,
"yoy_change": 0.5,
"zscore_12m": 1.2,
"trend_direction": 1
}
],
"meta": {
"frequency": "M",
"source_key": "SERIES_ID"
}
}
}Tags
x402
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