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The Fed's Quantitative Tightening Program
This is an aggregate of corporate rates, which is mostly the market almost 100% the market mortgage rate Which is also the market but the Federal Reserve gets a little involved because you know The Fed now has mortgage part back securities and then short-term treasury rates. We have seen mortgage rates or spreads between mortgages and treasuries wide and pretty significantly as well That may have something to do with the Fed's quantitative tightening program or just general, you know risk that's been pushed on the private sector.