Lance Lambert: Average 30-year mortgage rate at 7.48%, down from last year

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Average 30-year mortgage rate reaches 7.48%

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09.10.2026

Lance Lambert: Average 30-year mortgage rate at 7.48%, down from last year — Average 30-year mortgage rate reaches 7.48%

Lance Lambert provides an update on current U.S. mortgage and Treasury market rates.

Today, the average 30-year fixed mortgage rate is 7.48%, which is lower than the 7.50% threshold. For comparison, the same rate stood at 6.38% on this day last year. The 10-year Treasury yield today is 5.26%, and the spread between these rates is 222 basis points.

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Earlier this month, the average 30-year fixed mortgage rate remained above 7.50% for 11 consecutive days, reaching 7.60%, as reported by Lance Lambert in previous coverage. On another recent day, Lambert noted the mortgage rate at 7.56% and the 10-year Treasury yield at 5.28% in his market update. Rates and spreads have held at elevated levels throughout the month.

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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