Interest Guru

Weekly update

Mortgage rates, week of April 16, 2026

The 30-year fixed averaged 6.30%, down 0.07 points from last week.

Average mortgage rates, 52 weeks to 2026-04-16Weekly Freddie Mac averages. The 30-year fixed was 6.30% in the week of 2026-04-16.5.0%5.5%6.0%6.5%7.0%JulOctJan 2026Apr30-year 6.30%15-year 5.65%
30-year fixed
6.30%
15-year fixed
5.65%
10-year Treasury
4.32%
Spread
1.98

The numbers behind the week

  • The 15-year fixed averaged 5.65%, down 0.09 points.
  • Between the two readings the 10-year Treasury yield rose 0.03 points and the gap between it and the mortgage rate narrowed 0.10 points. Together those make up the 0.07-point move.
  • Four weeks ago the 30-year average was 6.22%.
  • That is 0.53 points below a year ago (6.83%).
  • Over the past 52 weeks the 30-year average has ranged from 5.98% to 6.89%.
  • The spread over the 10-year Treasury is 1.98 points, against an average of 2.24 across the history on this site.
Change from the previous week
Change from April 9, 2026Points
10-year Treasury yield+0.03
Spread over the Treasury-0.10
30-year mortgage rate-0.07

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.