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Understanding Mortgage Rates in 2026
The national mortgage average held steady, the 10-year Treasury moved lower and fresh inflation data arrived. Here is why those readings belong on different timelines.
October 19, 2026 · Issue 07Rates, Inflation & Timing
Why an unchanged mortgage average, a lower 10-year Treasury reading and September CPI should be read on different timelines—not as a forecast.
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October 12, 2026 · Issue 06Higher Rates, CPI Next
Why the latest mortgage average and Treasury reading tell different parts of the story—and how to use the next CPI release without turning it into a forecast.
Read Issue 06
October 5, 2026 · Issue 05Higher Rates, New Jobs Data
Why the latest mortgage reading cannot yet show the response to Friday’s unemployment release—and what Utah borrowers can review now.
Read Issue 05
September 28, 2026 · Issue 04Higher Rates, Clearer Decisions
The latest FRED readings and practical questions for Utah buyers, homeowners and real-estate partners.
Read Issue 04 September 21, 2026 · Issue 03One week, two rate signals
Why the mortgage average rose even as the latest 10-year Treasury yield eased—and why timing matters.
Read Issue 03 September 14, 2026 · Issue 02Rates rise ahead of the Fed
Why a jump in the 10-year Treasury matters more than trying to predict Wednesday’s headline.
Read Issue 02 September 8, 2026 · Issue 01Understanding Mortgage Rates in 2026
Why the 10-year Treasury, inflation and the labor market matter more than a single Fed headline.
Read Issue 01Start with a conversation
Use the data to build a plan—not a prediction.
Bring the goal, the timing and the questions. We’ll work through the financing paths that deserve a closer look.