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Why is the interest rate on a mortgage in the United States higher than the Fed reference?

2022-10-06T02:57:13.409Z

The reference interest rate established by the United States Federal Reserve is not the only factor that determines what will be paid on a mortgage. | United States | CNN

The reference interest rate established by the United States Federal Reserve is not the only factor that determines what will be paid on a mortgage.

Xavier Serbiá explains that they have to do with the 10-year bonds and the state of the economy in general.

Source: cnnespanol

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Why is the interest rate on a mortgage in the United States higher than the Fed reference?

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