Treasury Yield

Treasury yield is the interest rate paid on U.S. government debt securities. The 10-year Treasury yield is the most-watched benchmark in mortgage markets — most 30-year fixed mortgage rates track the 10-year yield plus a spread for risk and origination costs.

Mortgage rates move when Treasury yields move. When 10-year yields rise (e.g., during inflation expectations or Fed tightening), mortgage rates rise. When yields fall, mortgage rates fall — though the spread can widen during stress periods.

Why it matters for Milo customers

Milo's mortgage rates are influenced by Treasury yields like any other lender, but with an additional crypto-specific premium reflecting the unique risk profile of crypto collateral. When mortgage markets generally cheapen (Treasury yields drop), Milo rates typically follow.

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