Lance Lambert: Average 30-year mortgage rate reaches 7.57% with wide Treasury spread

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30-year mortgage rate hits 7.57 percent

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Daria Chernytska

02.10.2026

Lance Lambert: Average 30-year mortgage rate reaches 7.57% with wide Treasury spread — 30-year mortgage rate hits 7.57 percent

Lance Lambert reports that the average 30-year fixed mortgage rate today is 7.57%, marking five consecutive days above the 7.50% level. The previous record for sustained elevated rates in this cycle was 33 days during fall 2023.

For comparison, he notes the rate on the same day last year was 6.36%. The 10-year Treasury yield stands at 5.29% today, and the spread between mortgage rates and Treasuries is currently 228 basis points.

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Lambert previously reported that the U.S. 30-year fixed mortgage rate reached 7.17 percent, up from 6.35 percent a year earlier, when the 10-year Treasury yield stood at 4.96 percent. He also noted the 7.17 percent level marked a new 52-week high in a separate update on rising Treasury yields. These earlier milestones provide context for today’s elevated rate and spread.

This material may contain third-party opinions, none of the data and information on this webpage constitutes investment advice according to our Disclaimer. While we adhere to strict Editorial Integrity, this post may contain references to products from our partners.

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