Story
Mortgage rates and Treasury yields, autumn 2026
How US mortgage rates track the 10-year Treasury yield and the gap between them.
Last updated
Timeline
Mortgage rates fell by less than Treasury yields as the gap between them widened
The 30-year rate passed on about two thirds of the 10-year yield's decline since early October, and the gap reached 2.24 points, the widest since September 2025, before the inflation report lifted rates again.
Mortgage rates fall for a fourth week to 7.11%, the lowest in seven weeks
Freddie Mac's 30-year rate is 0.29 point below its October peak, but a $400,000 loan still costs about $231 a month more than at last year's 6.24%.