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10Y4.88%+2bp vs prior day2026-11-092Y4.56%+5bp vs prior day2026-11-0930Y MTG7.18%−6bp vs last week2026-11-05SOFR3.88%−1bp vs prior day2026-11-09FED FUNDS3.88%+13bp vs last month2026-10CPI4.1% y/y2026-10US UNEMP4.10%−10bp vs last month2026-10NWA UNEMP3.10%0bp vs last month2026-09NWA EMPLOYED319,315+1,325 vs last month2026-09FRED · Freddie Mac · BLS · data 2026-11-10
Updated Nov 10, 2026·Data through 2026-11-09 (Freddie Mac, U.S. Treasury, Federal Reserve (FRED))+1 more source
  • Freddie Mac, U.S. Treasury, Federal Reserve (FRED)Interest ratesthrough 2026-11-09
  • FHFA (via FRED)House pricesthrough 2026-Q2

"Through" is the newest period the source has published; many agencies report months behind by design. Amber means we haven't re-checked a source within 21 days, or it is behind its usual release schedule. How we get each number · Corrections

National context · free

Rates & capital markets

The backdrop every NWA deal is priced against. Each tile shows its source and as-of date; charts load on demand.

10-year Treasury
4.88%
▲ 2bp vs prior day
FRED DGS10 (U.S. Treasury) · 2026-11-09
2-year Treasury
4.56%
▲ 5bp vs prior day
FRED DGS2 (U.S. Treasury) · 2026-11-09
10y–2y spread
0.25%
▼ 7bp vs prior day
FRED T10Y2Y (10Y minus 2Y) · 2026-11-10
SOFR
3.88%
▼ 1bp vs prior day
FRED SOFR (NY Fed) · 2026-11-09
30-year mortgage
7.18%
▼ 6bp vs last week
Freddie Mac PMMS via FRED MORTGAGE30US · 2026-11-05
15-year mortgage
6.57%
▼ 3bp vs last week
Freddie Mac PMMS via FRED MORTGAGE15US · 2026-11-05
Fed funds (effective)
3.88%
FRED FEDFUNDS (effective rate, monthly avg) · 2026-10
CRE loans, all banks
$3,155B
FRED CREACBW027SBOG (CRE loans, all commercial banks) · 2026-10-28
Treasury curve
10-year, 2-year, and the spread
10-year Treasury: FRED DGS10 (U.S. Treasury) (as of 2026-11-09) · 2-year Treasury: FRED DGS2 (U.S. Treasury) (as of 2026-11-09) · 10y–2y spread: FRED T10Y2Y (10Y minus 2Y) (as of 2026-11-10)
Data through 2026-11-10 · Free to reuse with the credit line. · Corrections
Mortgage rates
Freddie Mac Primary Mortgage Market Survey
30-year mortgage: Freddie Mac PMMS via FRED MORTGAGE30US (as of 2026-11-05) · 15-year mortgage: Freddie Mac PMMS via FRED MORTGAGE15US (as of 2026-11-05)
Data through 2026-11-05 · Free to reuse with the credit line. · Corrections
Policy rate & SOFR
Fed funds effective vs. the CRE floating index
Fed funds (effective): FRED FEDFUNDS (effective rate, monthly avg) (as of 2026-10) · SOFR: FRED SOFR (NY Fed) (as of 2026-11-09)
Data through 2026-11-09 · Free to reuse with the credit line. · Corrections
CRE credit
Bank CRE loans outstanding vs. delinquency rate
CRE loans, all banks: FRED CREACBW027SBOG (CRE loans, all commercial banks) (as of 2026-10-28) · CRE loan delinquency: FRED DRCRELEXFACBS (CRE loan delinquency, all banks) (as of 2026-Q2)
Data through 2026-Q2 · Free to reuse with the credit line. · Corrections

Inflation, jobs, housing supply

BLS · Census via FRED
CPI (all urban)
337.5
FRED CPIAUCSL (CPI-U, 1982-84=100) · 2026-10
US unemployment
4.10%
FRED UNRATE (BLS) · 2026-10
US housing starts (thousands, SAAR)
1,221
FRED HOUST (thousands of units, SAAR) · 2026-09
US building permits (thousands, SAAR)
1,398
FRED PERMIT (thousands of units, SAAR) · 2026-09
US housing starts vs. permits
Thousands of units, seasonally adjusted annual rate
US housing starts (k, SAAR): FRED HOUST (thousands of units, SAAR) (as of 2026-09) · US building permits (k, SAAR): FRED PERMIT (thousands of units, SAAR) (as of 2026-09)
Data through 2026-09 · Free to reuse with the credit line. · Corrections
Unemployment: US vs. NWA
Percent, seasonally adjusted
US unemployment: FRED UNRATE (BLS) (as of 2026-10) · Unemployment, NWA MSA (SA): BLS via FRED FASUR (MSA, seasonally adjusted) (as of 2026-09)
Data through 2026-10 · Free to reuse with the credit line. · Corrections

Northwest Arkansas MSA

Fayetteville–Springdale–Rogers, CBSA 22220
FHFA house price index, NWA MSA
All-transactions index, quarterly (1995 Q1 = 100)
FHFA house price index (NWA MSA): FHFA All-Transactions HPI via FRED ATNHPIUS22220Q (Fayetteville-Springdale-Rogers MSA) (as of 2026-Q2)
Data through 2026-Q2 · Free to reuse with the credit line. · Corrections
NWA employed persons
BLS LAUS, monthly
Employed residents, NWA metro (household survey): BLS LAUS via FRED (MSA employed persons) (as of 2026-09)
Data through 2026-09 · Free to reuse with the credit line. · Corrections

What this means for NWA owners · draft

The 10-year sits at 4.88% (as of 2026-11-09) and the 30-year mortgage at 7.18% (2026-11-05). The 10y–2y spread is 0.25 points. The cost of the debt behind every offer is set here — before any local number moves.

Generated from the figures above and reviewed before publication. Market commentary, not advice.

NWA against its peers

FHFA All-Transactions HPI and BLS LAUS employed persons, via FRED
House prices, re-based
FHFA All-Transactions index · 2019-Q4 = 100
FHFA All-Transactions House Price Index by metro, via FRED (ATNHPIUS + CBSA code). Re-based so every metro starts at 100 in the last pre-pandemic quarter.
Data through 2026-04 · Free to reuse with the credit line. · Corrections
Employed residents, re-based
BLS LAUS · December 2019 = 100 · not seasonally adjusted
BLS Local Area Unemployment Statistics, employed persons by metro, via FRED. Monthly and unadjusted, so expect a seasonal sawtooth.
Data through 2026-09 · Free to reuse with the credit line. · Corrections
House prices since 2019-Q4ChangeLatest
1. Northwest Arkansas+86.2%2026-04
2. Huntsville+72%2026-04
3. Boise+71.2%2026-04
4. Nashville+70.3%2026-04
5. Raleigh+67.9%2026-04
6. Des Moines+48.8%2026-04
7. Austin+46.5%2026-04
Employment since Dec 2019ChangeLatest
1. Austin+25.1%2026-09
2. Northwest Arkansas+21.8%2026-09
3. Raleigh+17.5%2026-09
4. Huntsville+17.1%2026-09
5. Boise+14.5%2026-09
6. Nashville+9.3%2026-09
7. Des Moines+4.7%2026-09

Peer set: metros NWA is routinely benchmarked against for growth and corporate relocation. Ranking is arithmetic on published values; no forecast is implied.

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