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How Slowly U.S. Mortgage Rates Follow the Federal Funds Rate

How Slowly U.S. Mortgage Rates Follow the Federal Funds Rate

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The Economy Graphics is a dedicated visual research team for The Economy, responsible for producing high-quality data charts, analytical graphics, and visual summaries that support the publication’s coverage of global economic, financial, technological, and policy developments. Drawing on data from research articles, public datasets, institutional reports, and The Economy’s own research team, the account transforms complex information into clear, structured, and publication-ready visual materials.

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Figure 2: New mortgage rates track the federal funds rate closely; the outstanding stock adjusts far more slowly and with a lag of years.

Related article: The Transmission of Monetary Policy Again Depends on Household Reaction

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Member for

1 year 7 months
Real name
The Economy Graphics
Bio
The Economy Graphics is a dedicated visual research team for The Economy, responsible for producing high-quality data charts, analytical graphics, and visual summaries that support the publication’s coverage of global economic, financial, technological, and policy developments. Drawing on data from research articles, public datasets, institutional reports, and The Economy’s own research team, the account transforms complex information into clear, structured, and publication-ready visual materials.

Its work emphasizes accuracy, methodological transparency, and visual consistency across The Economy’s editorial ecosystem. By translating quantitative findings and research-based insights into accessible charts and data-driven visuals, The Economy Graphics serves as a foundation for The Economy Intelligence, helping readers understand market structures, institutional trends, and long-term economic shifts through evidence-based visual analysis.