FRED · Federal Reserve Economic Data

US Mortgage Rate History

Weekly average U.S. mortgage rates since 1990, shown against the 10-year Treasury yield. The gap between the 30-year rate and the 10-year Treasury — the mortgage spread — widens when lenders price in more risk.

Mortgage rates vs. 10-year Treasury

Monthly average, percent

Mortgage spread (30-yr − 10-yr Treasury)

A proxy for lender risk premium and market stress

US Mortgage Rate History — PublicCharts30- and 15-year mortgage rates vs the 10-year Treasury, with the mortgage rate spread. Source: Federal Reserve (FRED).US Mortgage Rate HistoryMortgage rates vs. 10-year TreasuryMortgage spread (30-yr − 10-yr Treasury)Weekly average U.S. mortgage rates since 1990, shown against the 10-year Treasury yield. The gap between the 30-year rate and the 10-year Treasury — the mortgage spread — widens when lenders price in more risk.Monthly average, percentA proxy for lender risk premium and market stress