30Y Mortgage
7.40%
Comparison page
Mortgage vs Treasury
Compare average 30-year mortgage rates with the 10-year Treasury yield to understand spread behavior across time windows, not just headline levels.
10Y Treasury
5.19%
Current Spread
+2.21
Historical change comparison
| Range | Mortgage 30Y | Treasury 10Y | Difference in change |
|---|---|---|---|
| 1D | 0.00 | -0.02 | +0.02 |
| 5D | 0.00 | -0.05 | +0.05 |
| 1M | +0.64 | +0.22 | +0.42 |
| 6M | +1.03 | +0.93 | +0.10 |
| 1Y | +1.10 | +1.16 | -0.06 |
| ALL | +0.07 | +1.13 | -1.06 |
Mortgage rates usually price off longer-duration market yields plus a spread. Tracking the change gap helps explain whether lenders are repricing more aggressively or whether the bond market is doing most of the work.
Related pages: Mortgage rates and Treasury yields.