BILATERAL COMPARISON LEDGER · 1998-2025
FHFA Mortgage Origination Rate vs. 10-Year Treasury Yield (1998-2025)
Mortgage Origination Rate (Latest) 6.3 % at Origination
10-Year Treasury Yield (Latest) 4.3 % Annual Average
Series Start 1998 First paired year
Paired Observations 28 Years Annual readings
Mortgage Origination Rate (Crimson) vs. 10-Year Treasury Yield (Slate Blue)
Year-by-Year Comparison Table
| Year | Mortgage Origination Rate (% at Origination) | 10-Year Treasury Yield (% Annual Average) |
|---|---|---|
| 2025 | 6.30 | 4.29 |
| 2024 | 6.40 | 4.21 |
| 2023 | 6.50 | 3.96 |
| 2022 | 4.70 | 2.95 |
| 2021 | 3.00 | 1.45 |
| 2020 | 3.20 | 0.89 |
| 2019 | 4.20 | 2.14 |
| 2018 | 4.70 | 2.91 |
| 2017 | 4.20 | 2.33 |
| 2016 | 3.80 | 1.84 |
| 2015 | 4.00 | 2.14 |
| 2014 | 4.30 | 2.54 |
| 2013 | 3.90 | 2.35 |
| 2012 | 3.80 | 1.80 |
| 2011 | 4.40 | 2.78 |
| 2010 | 4.70 | 3.22 |
| 2009 | 5.10 | 3.26 |
| 2008 | 6.20 | 3.66 |
| 2007 | 6.90 | 4.63 |
| 2006 | 7.10 | 4.79 |
| 2005 | 6.40 | 4.29 |
| 2004 | 6.00 | 4.27 |
| 2003 | 5.70 | 4.01 |
| 2002 | 6.50 | 4.61 |
| 2001 | 7.10 | 5.02 |
| 2000 | 8.40 | 6.03 |
| 1999 | 7.50 | 5.65 |
| 1998 | 7.10 | 5.26 |