Peak mortgage spread of 296 bps seen in June 2023 before dropping to 201 bps, Lance Lambert notes

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11.05.2026

Peak mortgage spread of 296 bps seen in June 2023 before dropping to 201 bps, Lance Lambert notes — Mortgage spread narrows from 2023 to 2026

Lance Lambert, industry influencer, highlights that the peak monthly mortgage spread occurred in June 2023, with an average 30-year fixed mortgage rate at 6.71% and a 10-year Treasury yield of 3.75%, resulting in a spread of 296 basis points.

By April 2026, Lambert notes, the average 30-year fixed mortgage rate was 6.33% with a 10-year Treasury yield of 4.32%, narrowing the spread to 201 basis points.

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Lambert previously highlighted a K-shaped trend in PulteGroup's order book, citing commentary from the homebuilder's CEO. He also covered shifts in home prices for Atlanta’s Southside since the 2022 peak. Both reports focused on specific changes in the U.S. housing market.

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