Interest Guru

Weekly update

Mortgage rates, week of September 4, 2025

The 30-year fixed averaged 6.50%, down 0.06 points from last week.

Average mortgage rates, 52 weeks to 2025-09-04Weekly Freddie Mac averages. The 30-year fixed was 6.50% in the week of 2025-09-04.5.5%6.0%6.5%7.0%7.5%Jan 2025AprJul30-year 6.50%15-year 5.60%
30-year fixed
6.50%
15-year fixed
5.60%
10-year Treasury
4.17%
Spread
2.33

The numbers behind the week

  • The 15-year fixed averaged 5.60%, down 0.09 points.
  • Between the two readings the 10-year Treasury yield fell 0.05 points and the gap between it and the mortgage rate narrowed 0.01 points. Together those make up the 0.06-point move.
  • Four weeks ago the 30-year average was 6.63%.
  • Over the past 52 weeks the 30-year average has ranged from 6.50% to 7.04%.
  • The spread over the 10-year Treasury is 2.33 points, against an average of 2.38 across the history on this site.
Change from the previous week
Change from August 28, 2025Points
10-year Treasury yield-0.05
Spread over the Treasury-0.01
30-year mortgage rate-0.06

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.