<![CDATA[LendZen Mortgage Rate Index]]>https://www.lendzenindex.comhttps://substackcdn.com/image/fetch/$s_!iRcu!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fcdd482a8-ac74-4432-9fbe-8a19bbec15aa_1000x1000.pngLendZen Mortgage Rate Indexhttps://www.lendzenindex.comSubstackThu, 16 Apr 2026 16:46:40 GMT<![CDATA[Mortgage Rates Index – APR 15]]>https://www.lendzenindex.com/p/mortgage-rates-index-apr-15https://www.lendzenindex.com/p/mortgage-rates-index-apr-15Wed, 15 Apr 2026 23:31:47 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -20 basis points (bps).

The last 24-hour change is 0 bps.

Since April 2, the price of mortgage rates decreased 62 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have decreased in price by 20 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 138 basis points.

This was a change of $6,900 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  156 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Apr 15  =  0.92           24h  =  -3 bps 

12m Avg  =  1.10       YoY  =  - 50 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – APR 14]]>https://www.lendzenindex.com/p/mortgage-rates-index-apr-14https://www.lendzenindex.com/p/mortgage-rates-index-apr-14Tue, 14 Apr 2026 23:53:46 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -30 basis points (bps).

The last 24-hour change is -15 bps.

Since April 1, the price of mortgage rates decreased 63 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 25 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 148 basis points.

This was a change of $7,400 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  156 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Apr 14  =  0.95           24h  =  -1 bps 

12m Avg  =  1.11       YoY  =  - 46 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – APR 13]]>https://www.lendzenindex.com/p/mortgage-rates-index-apr-13https://www.lendzenindex.com/p/mortgage-rates-index-apr-13Mon, 13 Apr 2026 23:10:22 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -42 basis points (bps).

The last 24-hour change is -3 bps.

Since March 31, the price of mortgage rates decreased 49 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 57 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 165 basis points.

This was a change of $8,250 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  141 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Apr 13  =  0.96           24h  =  0 bps 

12m Avg  =  1.11       YoY  =  - 46 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – APR 10]]>https://www.lendzenindex.com/p/mortgage-rates-index-apr-10https://www.lendzenindex.com/p/mortgage-rates-index-apr-10Fri, 10 Apr 2026 22:51:10 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -30 basis points (bps).

The last 24-hour change is -2 bps.

Since March 30, the price of mortgage rates decreased 72 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 64 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 170 basis points.

This was a change of $8,500 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  138 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Apr 10  =  0.96           24h  =  - 3 bps 

12m Avg  =  1.11       YoY  =  - 50 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – APR 9]]>https://www.lendzenindex.com/p/mortgage-rates-index-apr-9https://www.lendzenindex.com/p/mortgage-rates-index-apr-9Thu, 09 Apr 2026 23:48:30 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -28 basis points (bps).

The last 24-hour change is -11 bps.

Since March 27, the price of mortgage rates decreased 104 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 66 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 169 basis points.

This was a change of $8,450 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  136 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Apr 9  =  0.99           24h  =  - 1 bps 

12m Avg  =  1.11       YoY  =  - 42 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – APR 8]]>https://www.lendzenindex.com/p/mortgage-rates-index-apr-8https://www.lendzenindex.com/p/mortgage-rates-index-apr-8Wed, 08 Apr 2026 23:21:03 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -31 basis points (bps).

The last 24-hour change is -27 bps.

Since March 26, the price of mortgage rates decreased 81 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 79 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 171 basis points.

This was a change of $8,550 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  126 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Apr 8  =  1.00           24h  =  - 7 bps 

12m Avg  =  1.11       YoY  =  - 58 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – APR 7]]>https://www.lendzenindex.com/p/mortgage-rates-index-apr-7https://www.lendzenindex.com/p/mortgage-rates-index-apr-7Tue, 07 Apr 2026 23:56:51 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -5 basis points (bps).

The last 24-hour change is 10 bps.

Since March 25, the price of mortgage rates decreased 14 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 127 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 192 basis points.

This was a change of $9,600 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  99 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Apr 7  =  1.07           24h  =  + 5 bps 

12m Avg  =  1.12       YoY  =  - 34 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – APR 6]]>https://www.lendzenindex.com/p/mortgage-rates-index-apr-6https://www.lendzenindex.com/p/mortgage-rates-index-apr-6Mon, 06 Apr 2026 23:55:55 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -17 basis points (bps).

The last 24-hour change is 0 bps.

Since March 24, the price of mortgage rates decreased 50 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 120 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 195 basis points.

This was a change of $9,750 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now 109 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Apr 6  =  1.02           24h  =  0 bps 

12m Avg  =  1.12       YoY  =  - 33 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – APR 3]]>https://www.lendzenindex.com/p/mortgage-rates-index-apr-3https://www.lendzenindex.com/p/mortgage-rates-index-apr-3Sat, 04 Apr 2026 01:24:28 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -43 basis points (bps).

The last 24-hour change is -14 bps.

Since March 23, the price of mortgage rates decreased 18 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 133 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 208 basis points.

This was a change of $10,400 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now 108 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Apr 3  =  1.02           24h  =  + 1 bps 

12m Avg  =  1.12       YoY  =  - 40 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – APR 2]]>https://www.lendzenindex.com/p/mortgage-rates-index-apr-2https://www.lendzenindex.com/p/mortgage-rates-index-apr-2Thu, 02 Apr 2026 23:07:02 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -62 basis points (bps).

The last 24-hour change is -1 bps.

Since March 20, the price of mortgage rates decreased 19 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 161 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 223 basis points.

This was a change of $11,150 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  94 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Apr 2  =  1.01           24h  =  - 1 bps 

12m Avg  =  1.12       YoY  =  - 38 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – APR 1]]>https://www.lendzenindex.com/p/mortgage-rates-index-apr-01https://www.lendzenindex.com/p/mortgage-rates-index-apr-01Wed, 01 Apr 2026 23:54:29 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -49 basis points (bps).

The last 24-hour change is -2 bps.

Since March 19, the price of mortgage rates increased 35 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 155 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 223 basis points.

This was a change of $11,150 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  93 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Apr 1  =  1.02           24h  =  - 4 bps 

12m Avg  =  1.12       YoY  =  - 35 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – MAR 31]]>https://www.lendzenindex.com/p/mortgage-rates-index-mar-31https://www.lendzenindex.com/p/mortgage-rates-index-mar-31Tue, 31 Mar 2026 23:54:35 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -7 basis points (bps).

The last 24-hour change is -26 bps.

Since March 18, the price of mortgage rates increased 56 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 154 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 223 basis points.

This was a change of $11,150 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  92 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Mar 31  =  1.06           24h  =  - 3 bps 

12m Avg  =  1.12       YoY  =  - 27 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – MAR 30]]>https://www.lendzenindex.com/p/mortgage-rates-index-mar-30https://www.lendzenindex.com/p/mortgage-rates-index-mar-30Mon, 30 Mar 2026 23:30:32 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -7 basis points (bps).

The last 24-hour change is -33 bps.

Since March 17, the price of mortgage rates increased 105 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 182 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 223 basis points.

This was a change of $11,150 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  66 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Mar 30  =  1.09           24h  =  - 5 bps 

12m Avg  =  1.12       YoY  =  - 27 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – MAR 27]]>https://www.lendzenindex.com/p/mortgage-rates-index-mar-27https://www.lendzenindex.com/p/mortgage-rates-index-mar-27Sat, 28 Mar 2026 00:33:47 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is +58 basis points (bps).

The last 24-hour change is +12 bps.

Since March 16, the price of mortgage rates increased 123 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 216 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 223 basis points.

This was a change of $11,150 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  33 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Mar 27  =  1.14           24h  =  + 3 bps 

12m Avg  =  1.13       YoY  =  - 19 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – MAR 26]]>https://www.lendzenindex.com/p/mortgage-rates-index-mar-26https://www.lendzenindex.com/p/mortgage-rates-index-mar-26Thu, 26 Mar 2026 23:53:56 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is +32 basis points (bps).

The last 24-hour change is +40 bps.

Since March 13, the price of mortgage rates increased 88 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 198 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 211 basis points.

This was a change of $10,550 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  44 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Mar 26  =  1.11           24h  =  + 2 bps 

12m Avg  =  1.13       YoY  =  - 17 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – MAR 25]]>https://www.lendzenindex.com/p/mortgage-rates-index-mar-25https://www.lendzenindex.com/p/mortgage-rates-index-mar-25Thu, 26 Mar 2026 00:22:09 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is +44 basis points (bps).

The last 24-hour change is -26 bps.

Since March 11, the price of mortgage rates increased 52 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 157 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 197 basis points.

This was a change of $9,850 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  -259 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Mar 25  =  1.09           24h  =  - 2 bps 

12m Avg  =  1.13       YoY  =  - 18 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – MAR 24]]>https://www.lendzenindex.com/p/mortgage-rates-index-mar-24https://www.lendzenindex.com/p/mortgage-rates-index-mar-24Wed, 25 Mar 2026 01:12:23 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is +89 basis points (bps).

The last 24-hour change is +32 bps.

Since March 11, the price of mortgage rates increased 122 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 182 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 197 basis points.

This was a change of $9,850 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  59 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Mar 24  =  1.11           24h  =  + 5 bps 

12m Avg  =  1.13       YoY  =  - 18 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – MAR 23]]>https://www.lendzenindex.com/p/mortgage-rates-index-mar-23https://www.lendzenindex.com/p/mortgage-rates-index-mar-23Tue, 24 Mar 2026 00:42:00 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is +80 basis points (bps).

The last 24-hour change is -15 bps.

Since March 10, the price of mortgage rates increased 107 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 149 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 180 basis points.

This was a change of $9,000 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  91 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Mar 23  =  1.06           24h  =  - 2 bps 

12m Avg  =  1.13       YoY  =  - 21 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – MAR 17]]>https://www.lendzenindex.com/p/mortgage-rates-index-mar-17https://www.lendzenindex.com/p/mortgage-rates-index-mar-17Thu, 19 Mar 2026 00:33:41 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is -12 basis points (bps).

The last 24-hour change is +23 bps.

Since March 5, the price of mortgage rates increased 56 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 68 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 124 basis points.

This was a change of $6,200 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  148 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Mar 18  =  1.00           24h  =  0 bps 

12m Avg  =  1.13       YoY  =  - 29 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]><![CDATA[Mortgage Rates Index – MAR 16]]>https://www.lendzenindex.com/p/mortgage-rates-index-mar-16https://www.lendzenindex.com/p/mortgage-rates-index-mar-16Tue, 17 Mar 2026 00:38:10 GMTTABLE OF CONTENTS

INTRODUCTION

The LendZen Index tracks the price of mortgage rates across a spectrum of mortgage-backed securities.

Each chart starts at $0 for the first date 🔵 of the time series and measures the rate of change in dollar terms per $100K of loan amount.

The most expensive point in the series is marked with a red 🔴 dot, and the least expensive with a green 🟢 dot.

The measurements in the key box show the total change in price between each colored dot on the index, including high-to-low for descending charts and low-to-high for ascending charts.

This publication is focused on the index data only. If you want to dive deeper into the events influencing markets and mortgage rates, then visit my Weekly Kut Substack.

To shop real-time mortgage rates and get instant qualification results visit LendZen.com

LendZen provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront.

MORTGAGE RATE INDEX

The 5-Day change in price is +42 basis points (bps).

The last 24-hour change is -24 bps.

Since March 3, the price of mortgage rates increased 72 basis points, as seen in the 10-Day chart below.

During the last 30 days (🔵 to 🟡) mortgages have increased in price by 51 basis points.

The 30-Day chart is useful for spotting trends, plus it gives value to them.

For example, the change in price from the low 🟢 to the high 🔴 was 124 basis points.

This was a change of $6,200 on a $500,000 mortgage.

Since starting the index on May 1, 2025, mortgage rates are now  156 bps less expensive.

The highest price was May 22, and the lowest price was February 27.

INDEX METHODOLOGIES

Most mortgages are sold into mortgage-backed securities (MBS). The price of these bonds determines rates for all banks and lenders.

However, mortgage rates DO NOT rise or fall.

The full range of rates is always available, and instead the price of each rate is what changes.

For example, when mortgage bond prices fall the fee for each rate increases. The same rates exist, but now each is more expensive.

Traditional mortgage indices falsely suggest rates are changing by posting a daily “average” they conjure up from unverifiable data.

Meanwhile, the LendZen Index tracks the price of each mortgage rate across a spectrum of publicly traded MBS.

This provides a clearer picture of how the cost to obtain a mortgage has changed, regardless of the lender, rate, or borrower credit score.

LENDZEN MORTGAGE TREASURY SPREAD

Tracking the “spread” between mortgages and treasury bonds can provide useful perspectives, but only if measured accurately.

There are unique dynamics of mortgage-backed securities, such as prepayment speeds, that are overlooked by the “average rate” indexes.

However, these variables heavily influence how investors allocate to mortgage bonds, and a spread that is calculated without this information has critical flaws that make it unreliable.

The LendZen Mortgage Treasury Spread (LMTS) uses actual bond yields to create a historically consistent, and reliable, data set.

Mar 16  =  1.03           24h  =  0 bps 

12m Avg  =  1.13       YoY  =  - 27 bps

Subscribe now

LENDZEN MORTGAGE AUTOMATION

In addition to the insights provided by the LendZen Index and the LMTS, you can also check real-time mortgage rates without any human interaction.

LendZen.com (NMLS# 375788) provides a fully automated mortgage shopping experience that gives you anonymous access to all mortgage rates with full transparency of costs upfront as bond prices change.

This eliminates the need for the salespeople who make mortgages so expensive at other lenders.

Some of the unique features you will find on LendZen include:

  • Customize your own loan in under a minute and get instant qualification results for your exact scenario. Then revisit your real-time options anytime in the future with just one-click – no need to contact a salesperson, reply to “quote threads”, or fill out documents.

  • Request an official Loan Estimate for the exact pricing you see online with no extra steps.

  • Refinance loans get an instant BREAKEVEN analysis based on pure math and without any sales bias. The analysis shows you whether a refinance will benefit you and what rate has the most savings, using any timeline you decide.

All of this is at your fingertips when you visit LendZen.com

Subscribe to the LendZen Index Substack to get daily rate price updates.
]]>