30Y Mortgage
6.66%
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
4.73%
Current Spread
+1.93
Historical change comparison
| Range | Mortgage 30Y | Treasury 10Y | Difference in change |
|---|---|---|---|
| 1D | +0.01 | +0.06 | -0.05 |
| 5D | +0.01 | -0.01 | +0.02 |
| 1M | +0.08 | +0.12 | -0.04 |
| 6M | +0.68 | +0.76 | -0.08 |
| 1Y | +0.08 | +0.51 | -0.43 |
| ALL | -0.67 | +0.67 | -1.34 |
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.