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What moved rates · November 14, 2026
Why Mortgage Rates Moved Today
Since the last session, the 10-Year Treasury yield rose 4 bps, from 5.10% to 5.14%, and the MBS proxy fell 0.09, from 90.45 to 90.36. A move that small gives lenders little new reason to reprice. Updated November 14, 2026, market data as of the November 13, 2026 session.
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Market Eyes LiveUpdated November 13, 202610-Year Treasury yield
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How a move reaches your rate
Lenders sell most loans into mortgage-backed securities (MBS) and set their rate sheets from MBS prices, which trade off the 10-Year Treasury. When the 10-Year rises and MBS prices fall, lenders reprice worse, sometimes during the same day; when the 10-Year falls and MBS rise, rate sheets can improve. Scheduled releases such as inflation reports, the jobs report and Fed decisions are behind most of the biggest one day moves. See MBS today or the 10-Year today.
What could move rates next
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Frequently asked questions
Why did mortgage rates move today, November 14, 2026?
Since the last session, the 10-Year Treasury yield rose 4 bps, from 5.10% to 5.14%, and the MBS proxy fell 0.09, from 90.45 to 90.36. A move that small gives lenders little new reason to reprice. This is general market commentary from live data; the rate on a loan comes from the lender's own rate sheet.
Why do mortgage rates go up when the 10-Year Treasury rises?
Mortgage rates are set off mortgage-backed securities, which trade at a spread over the 10-Year Treasury. When the 10-Year yield rises, MBS prices usually fall, and lenders raise their rates to keep their loans sellable. The reverse happens when the 10-Year falls.
Can mortgage rates change during the day?
Yes. Lenders publish rate sheets in the morning and can reprice during the day when MBS prices move enough, for better or worse. That is why a quote from the morning can differ from one in the afternoon.
What could move mortgage rates next?
The next high impact release on the calendar is PCE Inflation (Personal Income & Outlays) on November 25, 2026 at 8:30 a.m. ET. Inflation reports, the jobs report and Fed decisions move mortgage rates the most.
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The 10-Year Treasury that sets the tone for mortgage rates also moves the most rate-sensitive stocks. MELANY rates them every day on eight factors, including macro fit, which weighs the rate environment.
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