# Where will 30-year mortgage rate be in seven days?

Where will 30-year mortgage rate be in seven days? DataSnack's model says 7.27%; it is 7.11% now. It has no graded forecasts yet; the first is graded on 20 Nov 2026.

## DataSnack's read

**Mortgage rates lag Treasury yields, so this week's bond moves set next week's**

The 30-year mortgage rate sets borrowing costs across housing. The model's case, 7.21% in seven days, rests on about 0.383 of the 5-year's weekly move and 0.326 of the 10-year's three-day move passing through.}

## The numbers

- 30-year mortgage rate now: 7.11%
- DataSnack's model, seven days from now: 7.27%
- Record: It has no graded forecasts yet; the first is graded on 20 Nov 2026.
- Replay on the last 51 days: off by 0.04 points against 0.06 points for standing still; closer on 38 of 51 days
- Fitted on 157 days of history

## How the model works

Mortgage rates follow Treasury yields with a lag. The 5-year yield's weekly move and the 10-year yield's three-day move are added to the latest weekly mortgage rate.

- About 0.383 of each point the 5-year Treasury yield moves over a week reaches the 30-year mortgage rate the next week. DataSnack's author expected 0.47; the data say 0.383 ± 0.13, fitted on the same days the replay scores. Fits past data roughly.
- About 0.326 of each point the 10-year Treasury yield moves over three days adds to the mortgage rate a week later. DataSnack's author expected 0.3; the data say 0.326 ± 0.18, fitted on the same days the replay scores. A rough rule.

## Sources

- 30-year fixed mortgage rate (FRED): 7.11% on 12 Nov 2026
- 5-year Treasury yield close (Yahoo Finance): 4.95% on 12 Nov 2026
- 10-year Treasury yield close (Yahoo Finance): 5.10% on 12 Nov 2026

## The record

It has no graded forecasts yet; the first is graded on 20 Nov 2026.

Waiting for their day:

- Made 13 Nov 2026 for 20 Nov 2026: 7.27%

## Questions

**What is DataSnack's forecast?** DataSnack's model says 7.27% seven days from now.

**How does the model work?** It is an explicit equation fitted on data, with every link and source listed above. DataSnack's agents propose changes every night, and a replay against real data decides what is kept.

**How accurate has it been?** It has no graded forecasts yet; the first is graded on 20 Nov 2026. DataSnack's overall record is at https://datasnack.ai/accuracy.

**Can I download the model?** Readers who cover this model can export it as an Excel workbook with working formulas from its page. A free example workbook: https://datasnack.ai/site/labs/datasnack-tariff-mortgage-lab.xlsx.

**Can I pull its numbers into a spreadsheet?** Its feed is at https://datasnack.ai/feed/m/ch:0790d5aab537.csv, with each forecast's error and standing still's beside it.

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Canonical: https://datasnack.ai/m/ch:0790d5aab537 · DataSnack forecasts are analysis, not investment advice.