For the week ending 10.30.25 Mortgage rates decreased 2bp to 6.17%.
This past week, for a $100,000 loan the monthly payment decreased $1 to $611/mo.

For the week ending 10.30.25 mortgage rates decreased 2bps, mean while the 10 Year Treasury rates
increased 10bp. Spread decreased by 12bp. With the historical spread being 168 there now exists a “safety cushion” of 38bp above the historical spread.

The historic spread between the 10 Year Treasury and mortgage rates is 168pb (see green line, right axis) and currently is 38bp above historical norm. In July 2024 this spread was 150bp. Mortgage rates have decreased more than the 10 year.

Bill Knudson, Research Analyst LANDCO NEXA