The ten-year Treasury yielded 4.94 percent on Friday. That is what the government paid, in yield terms, on the par curve for a ten-year note. It is not the rate on your savings account. Your bank sets that rate, or does not, on its own schedule.
It is also not your mortgage offer. A mortgage is a loan to you, with fees, a credit decision, and a term that may be thirty years. Lenders watch the long end of the Treasury market. They do not owe you Friday's par yield. If someone quotes you a loan, the quote is the fact that applies to the loan. Friday's 4.94 percent is context.