class Akismet_REST_API { /** * Register the REST API routes. */ public static function init() { if ( ! function_exists( 'register_rest_route' ) ) { // The REST API wasn't integrated into core until 4.4, and we support 4.0+ (for now). return false; } register_rest_route( 'akismet/v1', '/key', array( array( 'methods' => WP_REST_Server::READABLE, 'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ), 'callback' => array( 'Akismet_REST_API', 'get_key' ), ), array( 'methods' => WP_REST_Server::EDITABLE, 'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ), 'callback' => array( 'Akismet_REST_API', 'set_key' ), 'args' => array( 'key' => array( 'required' => true, 'type' => 'string', 'sanitize_callback' => array( 'Akismet_REST_API', 'sanitize_key' ), 'description' => __( 'A 12-character Akismet API key. Available at akismet.com/get/', 'akismet' ), ), ), ), array( 'methods' => WP_REST_Server::DELETABLE, 'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ), 'callback' => array( 'Akismet_REST_API', 'delete_key' ), ) ) ); register_rest_route( 'akismet/v1', '/settings/', array( array( 'methods' => WP_REST_Server::READABLE, 'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ), 'callback' => array( 'Akismet_REST_API', 'get_settings' ), ), array( 'methods' => WP_REST_Server::EDITABLE, 'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ), 'callback' => array( 'Akismet_REST_API', 'set_boolean_settings' ), 'args' => array( 'akismet_strictness' => array( 'required' => false, 'type' => 'boolean', 'description' => __( 'If true, Akismet will automatically discard the worst spam automatically rather than putting it in the spam folder.', 'akismet' ), ), 'akismet_show_user_comments_approved' => array( 'required' => false, 'type' => 'boolean', 'description' => __( 'If true, show the number of approved comments beside each comment author in the comments list page.', 'akismet' ), ), ), ) ) ); register_rest_route( 'akismet/v1', '/stats', array( 'methods' => WP_REST_Server::READABLE, 'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ), 'callback' => array( 'Akismet_REST_API', 'get_stats' ), 'args' => array( 'interval' => array( 'required' => false, 'type' => 'string', 'sanitize_callback' => array( 'Akismet_REST_API', 'sanitize_interval' ), 'description' => __( 'The time period for which to retrieve stats. Options: 60-days, 6-months, all', 'akismet' ), 'default' => 'all', ), ), ) ); register_rest_route( 'akismet/v1', '/stats/(?P[\w+])', array( 'args' => array( 'interval' => array( 'description' => __( 'The time period for which to retrieve stats. Options: 60-days, 6-months, all', 'akismet' ), 'type' => 'string', ), ), array( 'methods' => WP_REST_Server::READABLE, 'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ), 'callback' => array( 'Akismet_REST_API', 'get_stats' ), ) ) ); register_rest_route( 'akismet/v1', '/alert', array( array( 'methods' => WP_REST_Server::READABLE, 'permission_callback' => array( 'Akismet_REST_API', 'remote_call_permission_callback' ), 'callback' => array( 'Akismet_REST_API', 'get_alert' ), 'args' => array( 'key' => array( 'required' => false, 'type' => 'string', 'sanitize_callback' => array( 'Akismet_REST_API', 'sanitize_key' ), 'description' => __( 'A 12-character Akismet API key. Available at akismet.com/get/', 'akismet' ), ), ), ), array( 'methods' => WP_REST_Server::EDITABLE, 'permission_callback' => array( 'Akismet_REST_API', 'remote_call_permission_callback' ), 'callback' => array( 'Akismet_REST_API', 'set_alert' ), 'args' => array( 'key' => array( 'required' => false, 'type' => 'string', 'sanitize_callback' => array( 'Akismet_REST_API', 'sanitize_key' ), 'description' => __( 'A 12-character Akismet API key. Available at akismet.com/get/', 'akismet' ), ), ), ), array( 'methods' => WP_REST_Server::DELETABLE, 'permission_callback' => array( 'Akismet_REST_API', 'remote_call_permission_callback' ), 'callback' => array( 'Akismet_REST_API', 'delete_alert' ), 'args' => array( 'key' => array( 'required' => false, 'type' => 'string', 'sanitize_callback' => array( 'Akismet_REST_API', 'sanitize_key' ), 'description' => __( 'A 12-character Akismet API key. Available at akismet.com/get/', 'akismet' ), ), ), ) ) ); register_rest_route( 'akismet/v1', '/webhook', array( 'methods' => WP_REST_Server::CREATABLE, 'callback' => array( 'Akismet_REST_API', 'receive_webhook' ), 'permission_callback' => array( 'Akismet_REST_API', 'remote_call_permission_callback' ), ) ); } /** * Get the current Akismet API key. * * @param WP_REST_Request $request * @return WP_Error|WP_REST_Response */ public static function get_key( $request = null ) { return rest_ensure_response( Akismet::get_api_key() ); } /** * Set the API key, if possible. * * @param WP_REST_Request $request * @return WP_Error|WP_REST_Response */ public static function set_key( $request ) { if ( defined( 'WPCOM_API_KEY' ) ) { return rest_ensure_response( new WP_Error( 'hardcoded_key', __( 'This site\'s API key is hardcoded and cannot be changed via the API.', 'akismet' ), array( 'status'=> 409 ) ) ); } $new_api_key = $request->get_param( 'key' ); if ( ! self::key_is_valid( $new_api_key ) ) { return rest_ensure_response( new WP_Error( 'invalid_key', __( 'The value provided is not a valid and registered API key.', 'akismet' ), array( 'status' => 400 ) ) ); } update_option( 'wordpress_api_key', $new_api_key ); return self::get_key(); } /** * Unset the API key, if possible. * * @param WP_REST_Request $request * @return WP_Error|WP_REST_Response */ public static function delete_key( $request ) { if ( defined( 'WPCOM_API_KEY' ) ) { return rest_ensure_response( new WP_Error( 'hardcoded_key', __( 'This site\'s API key is hardcoded and cannot be deleted.', 'akismet' ), array( 'status'=> 409 ) ) ); } delete_option( 'wordpress_api_key' ); return rest_ensure_response( true ); } /** * Get the Akismet settings. * * @param WP_REST_Request $request * @return WP_Error|WP_REST_Response */ public static function get_settings( $request = null ) { return rest_ensure_response( array( 'akismet_strictness' => ( get_option( 'akismet_strictness', '1' ) === '1' ), 'akismet_show_user_comments_approved' => ( get_option( 'akismet_show_user_comments_approved', '1' ) === '1' ), ) ); } /** * Update the Akismet settings. * * @param WP_REST_Request $request * @return WP_Error|WP_REST_Response */ public static function set_boolean_settings( $request ) { foreach ( array( 'akismet_strictness', 'akismet_show_user_comments_approved', ) as $setting_key ) { $setting_value = $request->get_param( $setting_key ); if ( is_null( $setting_value ) ) { // This setting was not specified. continue; } // From 4.7+, WP core will ensure that these are always boolean // values because they are registered with 'type' => 'boolean', // but we need to do this ourselves for prior versions. $setting_value = Akismet_REST_API::parse_boolean( $setting_value ); update_option( $setting_key, $setting_value ? '1' : '0' ); } return self::get_settings(); } /** * Parse a numeric or string boolean value into a boolean. * * @param mixed $value The value to convert into a boolean. * @return bool The converted value. */ public static function parse_boolean( $value ) { switch ( $value ) { case true: case 'true': case '1': case 1: return true; case false: case 'false': case '0': case 0: return false; default: return (bool) $value; } } /** * Get the Akismet stats for a given time period. * * Possible `interval` values: * - all * - 60-days * - 6-months * * @param WP_REST_Request $request * @return WP_Error|WP_REST_Response */ public static function get_stats( $request ) { $api_key = Akismet::get_api_key(); $interval = $request->get_param( 'interval' ); $stat_totals = array(); $request_args = array( 'blog' => get_option( 'home' ), 'key' => $api_key, 'from' => $interval, ); $request_args = apply_filters( 'akismet_request_args', $request_args, 'get-stats' ); $response = Akismet::http_post( Akismet::build_query( $request_args ), 'get-stats' ); if ( ! empty( $response[1] ) ) { $stat_totals[$interval] = json_decode( $response[1] ); } return rest_ensure_response( $stat_totals ); } /** * Get the current alert code and message. Alert codes are used to notify the site owner * if there's a problem, like a connection issue between their site and the Akismet API, * invalid requests being sent, etc. * * @param WP_REST_Request $request * @return WP_Error|WP_REST_Response */ public static function get_alert( $request ) { return rest_ensure_response( array( 'code' => get_option( 'akismet_alert_code' ), 'message' => get_option( 'akismet_alert_msg' ), ) ); } /** * Update the current alert code and message by triggering a call to the Akismet server. * * @param WP_REST_Request $request * @return WP_Error|WP_REST_Response */ public static function set_alert( $request ) { delete_option( 'akismet_alert_code' ); delete_option( 'akismet_alert_msg' ); // Make a request so the most recent alert code and message are retrieved. Akismet::verify_key( Akismet::get_api_key() ); return self::get_alert( $request ); } /** * Clear the current alert code and message. * * @param WP_REST_Request $request * @return WP_Error|WP_REST_Response */ public static function delete_alert( $request ) { delete_option( 'akismet_alert_code' ); delete_option( 'akismet_alert_msg' ); return self::get_alert( $request ); } private static function key_is_valid( $key ) { $request_args = array( 'key' => $key, 'blog' => get_option( 'home' ), ); $request_args = apply_filters( 'akismet_request_args', $request_args, 'verify-key' ); $response = Akismet::http_post( Akismet::build_query( $request_args ), 'verify-key' ); if ( $response[1] == 'valid' ) { return true; } return false; } public static function privileged_permission_callback() { return current_user_can( 'manage_options' ); } /** * For calls that Akismet.com makes to the site to clear outdated alert codes, use the API key for authorization. */ public static function remote_call_permission_callback( $request ) { $local_key = Akismet::get_api_key(); return $local_key && ( strtolower( $request->get_param( 'key' ) ) === strtolower( $local_key ) ); } public static function sanitize_interval( $interval, $request, $param ) { $interval = trim( $interval ); $valid_intervals = array( '60-days', '6-months', 'all', ); if ( ! in_array( $interval, $valid_intervals ) ) { $interval = 'all'; } return $interval; } public static function sanitize_key( $key, $request, $param ) { return trim( $key ); } /** * Process a webhook request from the Akismet servers. * * @param WP_REST_Request $request * @return WP_Error|WP_REST_Response */ public static function receive_webhook( $request ) { Akismet::log( array( 'Webhook request received', $request->get_body() ) ); /** * The request body should look like this: * array( * 'key' => '1234567890abcd', * 'endpoint' => '[comment-check|submit-ham|submit-spam]', * 'comments' => array( * array( * 'guid' => '[...]', * 'result' => '[true|false]', * 'comment_author' => '[...]', * [...] * ), * array( * 'guid' => '[...]', * [...], * ), * [...] * ) * ) * * Multiple comments can be included in each request, and the only truly required * field for each is the guid, although it would be friendly to include also * comment_post_ID, comment_parent, and comment_author_email, if possible to make * searching easier. */ // The response will include statuses for the result of each comment that was supplied. $response = array( 'comments' => array(), ); $endpoint = $request->get_param( 'endpoint' ); switch ( $endpoint ) { case 'comment-check': $webhook_comments = $request->get_param( 'comments' ); if ( ! is_array( $webhook_comments ) ) { return rest_ensure_response( new WP_Error( 'malformed_request', __( 'The \'comments\' parameter must be an array.', 'akismet' ), array( 'status' => 400 ) ) ); } foreach ( $webhook_comments as $webhook_comment ) { $guid = $webhook_comment['guid']; if ( ! $guid ) { // Without the GUID, we can't be sure that we're matching the right comment. // We'll make it a rule that any comment without a GUID is ignored intentionally. continue; } // Search on the fields that are indexed in the comments table, plus the GUID. // The GUID is the only thing we really need to search on, but comment_meta // is not indexed in a useful way if there are many many comments. This // should help narrow it down first. $queryable_fields = array( 'comment_post_ID' => 'post_id', 'comment_parent' => 'parent', 'comment_author_email' => 'author_email', ); $query_args = array(); $query_args['status'] = 'any'; $query_args['meta_key'] = 'akismet_guid'; $query_args['meta_value'] = $guid; foreach ( $queryable_fields as $queryable_field => $wp_comment_query_field ) { if ( isset( $webhook_comment[ $queryable_field ] ) ) { $query_args[ $wp_comment_query_field ] = $webhook_comment[ $queryable_field ]; } } $comments_query = new WP_Comment_Query( $query_args ); $comments = $comments_query->comments; if ( ! $comments ) { // Unexpected, although the comment could have been deleted since being submitted. Akismet::log( 'Webhook failed: no matching comment found.' ); $response['comments'][ $guid ] = array( 'status' => 'error', 'message' => __( 'Could not find matching comment.', 'akismet' ) ); continue; } if ( count( $comments ) > 1 ) { // Two comments shouldn't be able to match the same GUID. Akismet::log( 'Webhook failed: multiple matching comments found.', $comments ); $response['comments'][ $guid ] = array( 'status' => 'error', 'message' => __( 'Multiple comments matched request.', 'akismet' ) ); continue; } else { // We have one single match, as hoped for. Akismet::log( 'Found matching comment.', $comments ); $current_status = wp_get_comment_status( $comments[0] ); $result = $webhook_comment['result']; if ( 'true' == $result ) { Akismet::log( 'Comment should be spam' ); // The comment should be classified as spam. if ( 'spam' != $current_status ) { // The comment is not classified as spam. If Akismet was the one to act on it, move it to spam. if ( Akismet::last_comment_status_change_came_from_akismet( $comments[0]->comment_ID ) ) { Akismet::log( 'Comment is not spam; marking as spam.' ); wp_spam_comment( $comments[0] ); Akismet::update_comment_history( $comments[0]->comment_ID, '', 'webhook-spam' ); } else { Akismet::log( 'Comment is not spam, but it has already been manually handled by some other process.' ); Akismet::update_comment_history( $comments[0]->comment_ID, '', 'webhook-spam-noaction' ); } } } else if ( 'false' == $result ) { Akismet::log( 'Comment should be ham' ); // The comment should be classified as ham. if ( 'spam' == $current_status ) { Akismet::log( 'Comment is spam.' ); // The comment is classified as spam. If Akismet was the one to label it as spam, unspam it. if ( Akismet::last_comment_status_change_came_from_akismet( $comments[0]->comment_ID ) ) { Akismet::log( 'Akismet marked it as spam; unspamming.' ); wp_unspam_comment( $comments[0] ); akismet::update_comment_history( $comments[0]->comment_ID, '', 'webhook-ham' ); } else { Akismet::log( 'Comment is not spam, but it has already been manually handled by some other process.' ); Akismet::update_comment_history( $comments[0]->comment_ID, '', 'webhook-ham-noaction' ); } } } $response['comments'][ $guid ] = array( 'status' => 'success' ); } } break; case 'submit-ham': case 'submit-spam': // Nothing to do for submit-ham or submit-spam. break; default: // Unsupported endpoint. break; } /** * Allow plugins to do things with a successfully processed webhook request, like logging. * * @since 5.3.2 * * @param WP_REST_Request $request The REST request object. */ do_action( 'akismet_webhook_received', $request ); Akismet::log( 'Done processing webhook.' ); return rest_ensure_response( $response ); } } Mortgage demand drops to 27-year low as interest rates pull back | Modern Business International
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HomeNewsMortgage demand drops to 27-year low as interest rates pull back

Mortgage demand drops to 27-year low as interest rates pull back

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A “For Sale” sign is displayed in front of a home on August 30, 2023 in Los Angeles, California.

Mario Tama | Getty Images

After rising sharply for several weeks, mortgage interest rates pulled back slightly last week, but not enough to revive mortgage demand.

Total mortgage application volume fell 2.9% last week, compared with the previous week, according to the Mortgage Bankers Association’s seasonally adjusted index.

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($726,200 or less) decreased to 7.21% from 7.31%, with points falling to 0.69 from 0.73 (including the origination fee) for loans with a 20% down payment.

“Mortgage applications declined to the lowest level since December 1996, despite a drop in mortgage rates,” said Joel Kan, an MBA economist. “Rates remained more than a full percentage point higher than a year ago, despite mixed data on the health of the economy and signs of a cooling job market.”

Applications to refinance a home loan — which are most sensitive to weekly interest rate changes — fell 5%, compared with the previous week, and were 30% lower than the same week one year ago. The vast majority of borrowers today have loans with rates below 4%. Even with high rates of home equity, borrowers are more likely to take out a second loan to pull cash out, rather than lose their low rate through a cash-out refinance.

Applications for a mortgage to purchase a home fell 2% for the week and were 28% lower than the same week one year ago.

“Prospective buyers remain on the sidelines due to low housing inventory and elevated mortgage rates,” Kan added.

Mortgage rates turned higher again to start this week, and more economic data out this week could impact rates further. While they have moved in a narrow range the past few weeks, 7% appears to be the new normal. This has thrown cold water on home prices, which had been rising for much of the year but which appear to be easing now yet again.



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