Interest Guru

Weekly update

Mortgage rates, week of July 3, 2025

The 30-year fixed averaged 6.67%, down 0.10 points from last week.

Average mortgage rates, 52 weeks to 2025-07-03Weekly Freddie Mac averages. The 30-year fixed was 6.67% in the week of 2025-07-03.5.5%6.0%6.5%7.0%7.5%Jan 2025AprJul30-year 6.67%15-year 5.80%
30-year fixed
6.67%
15-year fixed
5.80%
10-year Treasury
4.35%
Spread
2.32

The numbers behind the week

  • The 15-year fixed averaged 5.80%, down 0.09 points.
  • Between the two readings the 10-year Treasury yield rose 0.09 points and the gap between it and the mortgage rate narrowed 0.19 points. Together those make up the 0.10-point move.
  • Four weeks ago the 30-year average was 6.85%.
  • Over the past 52 weeks the 30-year average has ranged from 6.60% to 7.04%.
  • The spread over the 10-year Treasury is 2.32 points, against an average of 2.40 across the history on this site.
Change from the previous week
Change from June 26, 2025Points
10-year Treasury yield+0.09
Spread over the Treasury-0.19
30-year mortgage rate-0.10

Each mortgage average is compared with the most recent daily Treasury yield on or before its date, so the split is approximate. The Treasury spread page explains the gap.