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US Rates Monitor: SOFR, Treasury Yields, Fed Policy & Mortgage Rates

Dashboard tying together funding costs, curve signals, and consumer impact.

Latest data (updates daily for previous business day) — SOFR: Feb 5, 2026 | Fed policy: Feb 5, 2026 | SOFR vs. Fed Funds: Feb 5, 2026 | Treasuries: Feb 5, 2026 | 2S/10S Spread: Feb 5, 2026 | Mortgages: Feb 5, 2026

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Liquidity (Short-Term Rates)

SOFR (Benchmark)
3.65%
30-Day Avg: 3.66%
30-Day Trend
View Past & Averages >
Fed Funds (Effective)
3.64%
Target range: 3.50% – 3.75%
30-Day Trend
View Policy Rates >
SOFR vs. Fed Funds
+0.01%
SOFR minus Effective Fed Funds Rate
30-Day Trend

Investment (Treasuries & Curve)

2-Year Yield
3.47%
US Treasury 2Y
30-Day Trend
View Treasury Yields >
10-Year Yield
4.21%
US Treasury 10Y
30-Day Trend
View Treasury Yields >
2s/10s Spread
+0.74%
10y minus 2y yield NOT inverted
30-Day Trend
View Yield Curve >

Consumer (Mortgages)

15y Mortgage Rate
5.50%
Average 15-Year Fixed
30-Day Trend
View Mortgage Rates >
30y Mortgage Rate
6.11%
Average 30-Year Fixed
30-Day Trend
View Mortgage Rates >
Est. ARM Reset Rate
6.41%
30d SOFR + 2.75% margin
30-Day Trend
SOFR sensitivity >

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