Interest Guru

Weekly update

Mortgage rates, week of November 13, 2025

The 30-year fixed averaged 6.24%, up 0.02 points from last week.

Average mortgage rates, 52 weeks to 2025-11-13Weekly Freddie Mac averages. The 30-year fixed was 6.24% in the week of 2025-11-13.5.0%5.5%6.0%6.5%7.0%7.5%Jan 2025AprJulOct30-year 6.24%15-year 5.49%
30-year fixed
6.24%
15-year fixed
5.49%
10-year Treasury
4.11%
Spread
2.13

The numbers behind the week

  • The 15-year fixed averaged 5.49%, down 0.01 points.
  • Between the two readings the 10-year Treasury yield was flat and the gap between it and the mortgage rate widened 0.02 points. Together those make up the 0.02-point move.
  • Four weeks ago the 30-year average was 6.27%.
  • That is 0.54 points below a year ago (6.78%).
  • Over the past 52 weeks the 30-year average has ranged from 6.17% to 7.04%.
  • The spread over the 10-year Treasury is 2.13 points, against an average of 2.34 across the history on this site.
Change from the previous week
Change from November 6, 2025Points
10-year Treasury yield+0.00
Spread over the Treasury+0.02
30-year mortgage rate+0.02

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.