How do current bond market yields impact the spread on refinancing mortgage rates offered by online-only fintech lenders versus brick-and-mortar banks?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do current bond market yields impact the spread on refinancing mortgage rates offered by online-only fintech lenders versus brick-and-mortar banks?
3 real searches · 1 real-search pass
October 31 2026 10-year Treasury yield current mortgage rates MBS yield mortgage spread 2026Google ↗
OBSERVED
online mortgage lenders versus traditional banks refinance mortgage rate pricing spread lender margins fintech banks studyGoogle ↗
OBSERVED
Freddie Mac mortgage rates October 2026 refinance mortgage rates currentGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
October 31 2026 10-year Treasury yield current mortgage rates MBS yield mortgage spread 2026 Google ↗
online mortgage lenders versus traditional banks refinance mortgage rate pricing spread lender margins fintech banks study Google ↗
Freddie Mac mortgage rates October 2026 refinance mortgage rates current Google ↗
- Daily Treasury Rates · home.treasury.gov
- Mortgage Rates · freddiemac.com
- Why Mortgage Rates Exceed Treasury Yields · bostonfed.org
- US yield surge triggers mortgage hedging, adds to bond market pressure · reuters.com
- Interest Rates and Nonbank Market Share in the U.S. Mortgage Market · kansascityfed.org
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
October 31 2026 10-year Treasury yield current mortgage rates MBS yield mortgage spread 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
online mortgage lenders versus traditional banks refinance mortgage rate pricing spread lender margins fintech banks study OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Freddie Mac mortgage rates October 2026 refinance mortgage rates current OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |