The 5-year Treasury yield has risen to 4.55% this year, pushing the average 60-month car loan rate to around 7%. Consequently, General Motors (GM) shares have fallen 5% and Ford (F) shares 5.8% over the past month. Similarly, the 10-year Treasury yield's rise to 4.8% this week has driven the average 30-year mortgage rate to 6.7%, impacting homebuilders like Lennar (down nearly 19% this year), PulteGroup (down over 2% last month), and D.R. Horton (down 1.2% this year). Analysts attribute the yield surge to concerns over US government debt, inflation, and competition from AI data center bond issuance.