Assume the following Treasury yields: 10-Year Treasury = 3…

Assume the following Treasury yields: 10-Year Treasury = 3.15% 10-Year OTR Treasury = 3.10% 30-Year Treasury = 3.75% 30-Year OTR Treasury = 3.70% If 30-year fixed mortgage rates are approximately +175 basis points above the relevant Treasury benchmark, which rate would you use to estimate the mortgage rate?