Daily Rate Signal Log
BlueSkyFI rate signal track record
Every current-era lock, float, or hold call in one place, with the original rationale and the five-business-day mortgage-rate outcome once it is available.
Current public scoring starts May 19, 2026, after the daily OBMMI call-rate source and grading workflow changes. Earlier rows through May 18, 2026 remain archived below, but they no longer count in current accuracy.
Directional Accuracy
33%
1 correct out of 3 lock/float calls
Strict All-Call Accuracy
24%
4 correct out of 17 valid graded calls, including strict hold-band checks
Confident Calls (70%+)
44%
4 correct out of 9 high-confidence calls
Tracked Rows
22
Current-era rows since May 19, 2026
Calibration watch
Only 17 current-era calls have been graded, so the sample is still thin. The Brier score is 0.358, worse than the 0.25 coin-flip baseline, so confidence is not calibrated yet. High-confidence calls are only 44% correct so far, so confidence should stay capped until the hit rate improves.
Directional accuracy is the primary rate-timing score. Hold outcomes are strict band checks, not lock/float predictions.
Lock Calls
33%
1 correct of 3
Float Calls
n/a
0 correct of 0
Hold Band Checks
21%
3 inside band of 14
Calibration
How well does confidence match outcomes?
Brier score measures the average squared gap between stated confidence and the realized outcome. Lower is better. 0.25 is the coin-flip baseline; below that means the confidence number carries information.
Brier Score
0.358
over 17 graded calls
Signal-enhanced lift
Hidden until at least 5 graded calls were actually influenced by external indicator pressure. No lift claim is shown before then.
50-59% confidence
0/7 correct
60-69% confidence
0/1 correct
70-79% confidence
3/6 correct
80-89% confidence
1/3 correct
Methodology + Status
Public grading rules
Current-era calls are graded against the first FRED OBMMI 30-year mortgage observation on or after five business days, with a one-business-day cushion for source publication. Pending rows have not reached that source window yet. Awaiting backfill rows are eligible and still waiting on the historical source pass. Hold calls are strict band checks: they count only if the five-business-day rate stays within the tolerance band, while lock and float calls are the directional score.
Current Era Start
May 19, 2026
The public scorecard reset after the daily OBMMI source change.
Tolerance
0.03%
Hold calls are band checks, not directional calls.
Eligible Through
Jun 5, 2026
Rows on or before this date should have a daily OBMMI source reading available.
Latest Source Date
Jun 12, 2026
Most recent historical source date used in a graded row.
Invalid Rows
0
Rows with malformed rate inputs are excluded from accuracy until repaired.
Source
FRED OBMMIC30YF
Public daily lock-rate index used for the five-business-day grading window.
Current-Era Accuracy
How the hit rate develops from the reset
17 graded calls
Read This Table
What gets logged
- The daily signal records whether BlueSkyFI leaned `lock`, `float`, or `hold`.
- Confidence reflects how strong the setup looked when the call was made.
- Directional accuracy is the primary score. Strict all-call accuracy includes hold band checks and is reported separately.
- Hold means “do not force a lock/float call”; it only grades correct if the five-business-day rate stays inside the tolerance band.
- Rows stay labeled `Pending grading` until the five-business-day source reading should exist.
- Invalid rows are excluded from grading until the stored call-time rate is repaired.
Current-era daily calls
| Date | Signal | Confidence | Rate At Call | 7d Rate | Outcome | Rationale |
|---|---|---|---|---|---|---|
| Jun 15, 2026 | HOLD | 64% | 6.48% | Pending grading | Pending grading Expected by Jun 22, 2026 | Credit Stress is the main influence today, but the rest of the market is still mixed. |
| Jun 12, 2026 | HOLD | 64% | 6.53% | Pending grading | Pending grading Expected by Jun 19, 2026 | The daily playbook is asking for confirmation before a directional rate call: Rate desk read: inventory gives agents room to negotiate structure, but borrower margin still decides whether the deal survives. |
| Jun 11, 2026 | HOLD | 64% | 6.53% | Pending grading | Pending grading Expected by Jun 18, 2026 | The daily playbook is asking for confirmation before a directional rate call: Rate desk read: use payment sensitivity, spread checks, and concession math before giving clients a lock, refi, or list-price answer. |
| Jun 9, 2026 | HOLD | 64% | 6.50% | Pending grading | Pending grading Expected by Jun 16, 2026 | Credit Stress is at 2.9% and now looks contained. A major scheduled event is too close, so holding is safer than forcing a directional call before that repricing window. |
| Jun 8, 2026 | LOCK | 89% | 6.51% | Awaiting backfill | Awaiting backfill Expected by Jun 15, 2026 | Credit Stress is at 2.9% and now looks contained. Right now, inflation is still sticky at 3.95%, the IEF bond proxy is down 0.47% today, which points to rising same-day rate pressure. Locking protects against another rate backup while rates and spreads are leaning higher. |
| Jun 5, 2026 | HOLD | 72% | 6.47% | 6.48% | Correct Graded from Jun 12, 2026 | Credit Stress is at 2.9% and now looks contained. A major scheduled event is too close, so holding is safer than forcing a directional call before that repricing window. |
| Jun 4, 2026 | HOLD | 72% | 6.46% | 6.53% | Missed Graded from Jun 11, 2026 | Credit Stress is at 2.9% and now looks contained. A major scheduled event is too close, so holding is safer than forcing a directional call before that repricing window. |
| Jun 3, 2026 | HOLD | 59% | 6.47% | 6.53% | Missed Graded from Jun 10, 2026 | Credit Stress is the main influence today, but the rest of the market is still mixed. |
| Jun 2, 2026 | HOLD | 58% | 6.45% | 6.53% | Missed Graded from Jun 9, 2026 | Credit Stress is the main influence today, but the rest of the market is still mixed. |
| Jun 1, 2026 | HOLD | 52% | 6.10% | 6.50% | Missed Graded from Jun 8, 2026 | Signal conflict is fairly low today, so the market message is cleaner than usual. When the inputs disagree, conviction should come down. |
| May 30, 2026 | HOLD | 72% | 6.45% | 6.51% | Missed Graded from Jun 5, 2026 | Credit Stress is the main influence today, but the rest of the market is still mixed. |
| May 29, 2026 | HOLD | 72% | 6.48% | 6.51% | Missed Graded from Jun 5, 2026 | Credit Stress is the main influence today, but the rest of the market is still mixed. |
| May 28, 2026 | HOLD | 72% | 6.48% | 6.47% | Correct Graded from Jun 4, 2026 | Credit Stress is the main influence today, but the rest of the market is still mixed. |
| May 27, 2026 | HOLD | 71% | 6.47% | 6.46% | Correct Graded from Jun 3, 2026 | Credit Stress is at 2.9% and now looks contained. A major scheduled event is too close, so holding is safer than forcing a directional call before that repricing window. |
| May 26, 2026 | HOLD | 61% | 6.51% | 6.43% | Missed Graded from Jun 2, 2026 | Credit Stress is the main influence today, but the rest of the market is still mixed. |
| May 25, 2026 | HOLD | 59% | 6.56% | 6.47% | Missed Graded from Jun 1, 2026 | Credit Stress is the main influence today, but the rest of the market is still mixed. |
| May 24, 2026 | HOLD | 59% | 6.56% | 6.44% | Missed Graded from May 29, 2026 | Credit Stress is the main influence today, but the rest of the market is still mixed. |
| May 23, 2026 | HOLD | 59% | 6.56% | 6.44% | Missed Graded from May 29, 2026 | Credit Stress is the main influence today, but the rest of the market is still mixed. |
| May 22, 2026 | HOLD | 57% | 6.56% | 6.44% | Missed Graded from May 29, 2026 | Credit Stress is the main influence today, but the rest of the market is still mixed. |
| May 21, 2026 | LOCK | 89% | 6.58% | 6.45% | Missed Graded from May 28, 2026 | Credit Stress is at 2.9% and now looks contained. Right now, mortgage rates are already up 0.2% from last week, the 10-year Treasury is up 0.21%. Locking protects against another rate backup while rates and spreads are leaning higher. |
| May 20, 2026 | LOCK | 89% | 6.63% | 6.48% | Missed Graded from May 27, 2026 | Credit Stress is at 2.9% and now looks contained. Right now, mortgage rates are already up 0.21% from last week, the 10-year Treasury is up 0.15%. Locking protects against another rate backup while rates and spreads are leaning higher. |
| May 19, 2026 | LOCK | 89% | 6.36% | 6.47% | Correct Graded from May 26, 2026 | Credit Stress is at 2.9% and now looks contained. Right now, the 10-year Treasury is up 0.17%, inflation is still sticky at 3.95%. Locking protects against another rate backup while rates and spreads are leaning higher. |
Archived pre-reset track record
Pre-reset rows are preserved
The older public run through May 18, 2026 stays available for accountability and audit history. It is archived separately so the current scorecard can start clean after the OBMMI source change.
Latest Archived Row
May 18, 2026
Archived Rows
67
Kept outside the current accuracy metrics.
Archived Graded Calls
65
Historical sample size before the reset.
Archived Directional
46%
12 correct of 26
Archived All-Call
23%
15 correct of 65