Mortgage spreads Mortgage spreads — the difference between the 10-year Treasury yield and the 30-year mortgage rate — are a complex topic. Over the past decade, they haven’t received much attention because spreads were typical and not a concern. Under normal circumstances, the spread typically ranges from 1.60% to 1.80%. A historical review of these
10-year yield and mortgage rates In my 2025 forecast, I anticipated the following ranges: Mortgage rates will be between 5.75% and 7.25% The 10-year yield will fluctuate between 3.80% and 4.70% Last week, we observed a positive trend, as the 10-year yield gradually declined from a high of 4.43% to 4.24%. This drop has also
4 positive readings 3 negative readings 3 flat prints Overall, we’ve seen positive growth year over year with most of the weekly data in 2025. It’s not spectacular and it working from the lowest bar ever, but growth is growth. The purchase application data looks out for about 30 to 90 days, but I wouldn’t