All values come directly from U.S. Treasury via FRED (DGS10). We do not modify, smooth, or interpolate published values.
The yield on 10-year US Treasury bonds, a key benchmark for long-term borrowing costs. Mortgage rates correlate ~0.9 with this series over 25 years. Higher yields typically push mortgage rates up with a 1-3 week lag.
Daily — we refresh every hour during US market hours; upstream publishes on business days.
We gate dateModified updates to actual value changes (threshold: 0.01% absolute or 0.5% relative) to prevent freshness spoofing. If the upstream value hasn't moved, we don't claim we updated the page.
Full historical series is available as CSV with primary-source attribution:
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CalcFi. (2026). 10-Year Treasury Yield. Retrieved from https://calcfi.app/data/mortgage-rates/10-year-treasury/revisions. Source: U.S. Treasury via FRED (DGS10).
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