The rates published by DNB are the weighted average of mortgage rates as reported by banks to DNB. These rates can differ from the current rates advertised by lenders, for instance because secured mortgage loans are based on price offerings from an earlier period when the interest rate was different. In addition, differences in loan-to-value ratios could lead to discrepancies between published and current interest rates. Furthermore, DNB publishes aggregated interest rates (i.e. with a duration of > 10 years), resulting in differences with current rates (with a specific term).