Free & interactive
The Rate Markup Decoder
Your rate is the Fed's rate plus a markup chain. Type two numbers and see your markup.
Decoder
The Rate Markup Decoder
@fmaunlv
Your rate is the Fed's rate plus a markup chain. Type two numbers and see your markup.
THE CHAIN
Fed to bank to you
Banks borrow near the Fed's rate, then sell you the money with margin stacked on top.
THE MENU
Risk sets the markup
Mortgage: secured by a house, small markup. Credit card: secured by a promise, 15+ points.
THE MOVE
Shop the chain, not the sticker
Two lenders, same day, same borrower: quotes can sit a full point apart.
My rate (just the number, like 24)
The 10-year Treasury today (one search away)
My markup over the risk-free rate
...
I know exactly what secures this loan
Collateral is why two loans price differently.
I have a second quote
The only negotiation tool that always works.
The Fed sets the first price. You negotiate the last.Know the chain and the markup stops being invisible.
Same bottle, different menu.
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