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The decline in rates in 2025 reflects a combination of Federal Reserve rate cuts, lower 10-year Treasury yields, and a narrowing spread between these rates and conventional 30-year mortgage rates – which are historically correlated due to their long-term horizon. “It wasn’t that long ago that 10-year government bond yields were close to 5%; we […]
As Logan Mohtashami, HousingWire’s chief analyst, noted earlier this week, spreads between 10-year Treasury yields and 30-year Treasury mortgage rates have fallen significantly over the past two years. Vishal Garg, CEO of digital lender Better.comsaid in an email interview with HousingWire that it is “a big deal” if spreads tighten as the Fed has not […]
The stable nature of mortgage rates in recent weeks is partly related to the consistency in mortgage spreads. The difference between the 30-year mortgage rate and the 10-year government rate is higher than the historical average of 1.60% to 1.80%, but at a current figure of 2.19% is much lower than at the end of […]
Mortgage news daily his data is based on rates listed to borrowers with the best credit profiles that the fixed rate of 30 years this week fell to 6.57%. That is the lowest figure since October 2024. Conversely, the data of Housingwire powered by Polly -which depends on locked loan rates for all borrief profiles […]
