Interest Guru

Weekly update

Mortgage rates, week of July 17, 2025

The 30-year fixed averaged 6.75%, up 0.03 points from last week.

Average mortgage rates, 52 weeks to 2025-07-17Weekly Freddie Mac averages. The 30-year fixed was 6.75% in the week of 2025-07-17.5.5%6.0%6.5%7.0%7.5%Jan 2025AprJul30-year 6.75%15-year 5.92%
30-year fixed
6.75%
15-year fixed
5.92%
10-year Treasury
4.47%
Spread
2.28

The numbers behind the week

  • The 15-year fixed averaged 5.92%, up 0.06 points.
  • Between the two readings the 10-year Treasury yield rose 0.12 points and the gap between it and the mortgage rate narrowed 0.09 points. Together those make up the 0.03-point move.
  • Four weeks ago the 30-year average was 6.81%.
  • 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 2.28 points, against an average of 2.39 across the history on this site.
Change from the previous week
Change from July 10, 2025Points
10-year Treasury yield+0.12
Spread over the Treasury-0.09
30-year mortgage rate+0.03

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.