Interest Guru

Weekly update

Mortgage rates, week of July 10, 2025

The 30-year fixed averaged 6.72%, up 0.05 points from last week.

Average mortgage rates, 52 weeks to 2025-07-10Weekly Freddie Mac averages. The 30-year fixed was 6.72% in the week of 2025-07-10.5.5%6.0%6.5%7.0%7.5%Jan 2025AprJul30-year 6.72%15-year 5.86%
30-year fixed
6.72%
15-year fixed
5.86%
10-year Treasury
4.35%
Spread
2.37

The numbers behind the week

  • The 15-year fixed averaged 5.86%, up 0.06 points.
  • Between the two readings the 10-year Treasury yield was flat and the gap between it and the mortgage rate widened 0.05 points. Together those make up the 0.05-point move.
  • Four weeks ago the 30-year average was 6.84%.
  • 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 2.37 points, against an average of 2.40 across the history on this site.
Change from the previous week
Change from July 3, 2025Points
10-year Treasury yield+0.00
Spread over the Treasury+0.05
30-year mortgage rate+0.05

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.