{
 "month": "2026-10",
 "as_of": "2026-10-17",
 "state": "California",
 "active_listings": 3994,
 "listings_with_rate": 3643,
 "states": {
  "CA": 3994
 },
 "median_rate": 5.38,
 "mean_rate": 4.92,
 "share_under_3": 18.2,
 "share_under_4": 36.4,
 "share_under_5": 46.0,
 "current_rate_va": 7.035,
 "current_rate_fha": 7.202,
 "median_price": 589000,
 "median_balance": 409728,
 "median_gap": 153586,
 "mean_gap": 233788,
 "gap_buckets": {
  "under_100k": 35.7,
  "100_200k": 24.2,
  "200_300k": 14.8,
  "300k_plus": 25.4
 },
 "median_monthly_saving": 319,
 "mean_monthly_saving": 418,
 "share_saving_over_500": 32.8,
 "by_loan": {
  "FHA": {
   "listings": 2408,
   "median_rate": 5.92,
   "share_under_4": 28.2,
   "median_price": 550000
  },
  "VA": {
   "listings": 1586,
   "median_rate": 4.17,
   "share_under_4": 48.2,
   "median_price": 650000
  }
 },
 "counties": [
  {
   "county": "Riverside County",
   "listings": 789,
   "median_rate": 5.3,
   "median_price": 585000
  },
  {
   "county": "San Bernardino County",
   "listings": 767,
   "median_rate": 5.79,
   "median_price": 479999
  },
  {
   "county": "Los Angeles County",
   "listings": 733,
   "median_rate": 5.37,
   "median_price": 710000
  },
  {
   "county": "San Diego County",
   "listings": 654,
   "median_rate": 5.41,
   "median_price": 749999
  },
  {
   "county": "Orange County",
   "listings": 153,
   "median_rate": 5.48,
   "median_price": 898000
  },
  {
   "county": "Kern County",
   "listings": 129,
   "median_rate": 6.25,
   "median_price": 399000
  },
  {
   "county": "Contra Costa County",
   "listings": 117,
   "median_rate": 3.95,
   "median_price": 650000
  },
  {
   "county": "Ventura County",
   "listings": 88,
   "median_rate": 4.19,
   "median_price": 732000
  },
  {
   "county": "Butte County",
   "listings": 64,
   "median_rate": 4.81,
   "median_price": 352500
  },
  {
   "county": "Lake County",
   "listings": 47,
   "median_rate": 4.19,
   "median_price": 330000
  }
 ],
 "by_year": [
  {
   "year": "2019",
   "listings": 148,
   "median_rate": 4.19
  },
  {
   "year": "2020",
   "listings": 373,
   "median_rate": 2.99
  },
  {
   "year": "2021",
   "listings": 699,
   "median_rate": 2.85
  },
  {
   "year": "2022",
   "listings": 608,
   "median_rate": 5.0
  },
  {
   "year": "2023",
   "listings": 478,
   "median_rate": 6.46
  },
  {
   "year": "2024",
   "listings": 646,
   "median_rate": 6.49
  },
  {
   "year": "2025",
   "listings": 384,
   "median_rate": 6.32
  },
  {
   "year": "2026",
   "listings": 144,
   "median_rate": 5.96
  }
 ]
}