Weekly update
Mortgage rates, week of April 23, 2026
The 30-year fixed averaged 6.23%, down 0.07 points from last week.
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
- 10-year Treasury
- 4.34%
- Spread
- 1.89
The numbers behind the week
- The 15-year fixed averaged 5.58%, down 0.07 points.
- Between the two readings the 10-year Treasury yield rose 0.02 points and the gap between it and the mortgage rate narrowed 0.09 points. Together those make up the 0.07-point move.
- Four weeks ago the 30-year average was 6.38%.
- That is 0.58 points below a year ago (6.81%).
- 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 1.89 points, against an average of 2.24 across the history on this site.
| Change from April 16, 2026 | Points |
|---|---|
| 10-year Treasury yield | +0.02 |
| Spread over the Treasury | -0.09 |
| 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.