What money costs, everywhere.

The number nobody publishes

Mortgages cost 1.81 points more than Treasuries

Mortgage rates track the 10-year Treasury, but never exactly. The gap is what lenders charge on top — and it moves for reasons that have nothing to do with the Federal Reserve. It has ranged from 0.97 to 3.26 points since 1990.

Read the full history →

Detected automatically

Recent movements

Found in the data, not chosen by an editor — inversions, multi-year extremes, and countries changing places.

• 2026-09-11OBMMI — LTV ≤80, FICO <680 moved +0.162pp in a day to 7.099%A notable single-day move — from 6.937% to 7.099% (pp = percentage points, not per cent).
• 2026-09-10OBMMI — 15-Year Fixed Rate Conforming moved +0.162pp in a day to 6.292%A notable single-day move — from 6.13% to 6.292% (pp = percentage points, not per cent).
• 2026-09-08OBMMI — LTV >80, FICO 680–699 moved -0.159pp in a day to 6.816%A notable single-day move — from 6.975% to 6.816% (pp = percentage points, not per cent).
• 2026-08-25OBMMI — LTV >80, FICO 680–699 moved -0.153pp in a day to 6.773%A notable single-day move — from 6.926% to 6.773% (pp = percentage points, not per cent).
• 2026-08-25OBMMI — LTV ≤80, FICO <680 moved -0.170pp in a day to 6.745%A notable single-day move — from 6.915% to 6.745% (pp = percentage points, not per cent).
• 2026-08-25OBMMI — LTV ≤80, FICO 720–739 moved -0.168pp in a day to 6.547%A notable single-day move — from 6.715% to 6.547% (pp = percentage points, not per cent).

All detected movements →