Borrowing and its costs, tracked for households and companies alike: mortgages, card balances, arrears and defaults, corporate leverage and refinancing schedules. Pieces show how tighter credit reaches spending within a quarter or two. Useful to lenders, credit analysts and finance teams planning around rate changes.
The 30-year mortgage rate tracks the 10-year Treasury plus a spread — and since 2022 that spread has stayed unusually wide, which is why Fed cuts barely moved home loans.
Gabriela Montoya · March 22, 2026
Card interest rates reprice off the prime rate plus a margin your credit score sets — which is why they rose a full 5 points with the Fed and fall back at a crawl.
Lena Fischer · February 27, 2026
APR describes a loan's yearly cost without compounding; APY describes an account's yearly yield with it — and quoting the flattering one is legal marketing on both sides.
Gabriela Montoya · February 4, 2026
The Federal Reserve sets one overnight rate, but the rates households actually pay and earn pass through banks, funding markets, and competition — with very different speeds.
Gabriela Montoya · January 13, 2026