Live Yield Curve
10Y Yield
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2s10s Spread
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Curve Shape
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30d Change
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10Y yield
Treasury vs Mortgage Rates

Gaps in OB/MND data are bridged automatically. More history builds as the daily pipeline runs.

Mortgage-Treasury Spread

Current Spread: -- bps

120bps (Tight) 170bps (Avg) 300bps (Wide)
<150bps: Tight spread — great for borrowers
150-200bps: Tracking normally
>200bps: Wide spread — rates overpriced vs Treasuries
Current Mortgage Rates
OB 30Y Conv
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Optimal Blue
OB 30Y FHA
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Optimal Blue
OB 30Y VA
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Optimal Blue
MND 30Y Fixed
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Mortgage News Daily
Rate Direction Signal
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Spread Z
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Momentum
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Curve
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Treasury Auctions
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Upcoming Auctions

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Recent Results

Internal Analytics
Spread Z-Score History (30 Days)
TLT Technical Overlay

TLT data loads from Notion via /api/treasury when available.

Treasury General Account Balance
Major Foreign Holders of U.S. Treasuries