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Information onlyChecked: Oct 19, 5:40 AM ETData through: Oct 15, 2026Latest published by source

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Mortgage Rates Today

Current 30-Year Fixed Mortgage Rate

7.294%

Compared with Oct 14, 2026, down 0.08 percentage points.

This data is current through Oct 15, 2026.

Source

Optimal Blue / FRED

How to read it

Market reference

Data through

Oct 15, 2026

Use this as a national market reference: it comes from mortgages that were already locked. It is not a bank advertisement and it is not your personal final quote.

If the number has not changed in the morning, the public source probably has not published yet. Bank quotes usually appear in the morning, and some lenders may reprice around midday or afternoon if the bond market moves sharply.

Read the move

Slightly lower than the previous reading

This figure is based on locked mortgage transactions. It is useful for seeing whether the national mortgage market is moving up, down, or mostly sideways.

Source: Optimal Blue Mortgage Market Indices, published through FRED.

It is not a live intraday bank quote.

Bank quotes usually come out in the morning and may change during the day.

Your own quote depends on credit score, down payment, loan size, points, and fees.

This site provides data only. It does not give loan or rate-lock advice.

Every dataset keeps a source link so you can check it yourself.

The cards below show different loan types. Your actual lockable rate can be different because lenders price by borrower profile, loan amount, points, and fees.

When to check today

These three Eastern Time windows match how many lenders update pricing.

10:45 AM ET

Check the first lender quotes

Most banks and lenders publish the first rate sheet in the morning. This is a practical time to compare the first rate sheet with the quote you already have.

1:45 PM ET

Watch for repricing

If the 10-year Treasury or mortgage-backed securities move sharply, some lenders may change pricing around midday or early afternoon.

4:45 PM ET

Review the market close

Use the afternoon Treasury move and any newly published public data to see whether the day was generally better or worse.

"Data through" means the latest date published by the public source. Same-day lender quotes may react to markets earlier than public indices.

Rate Trend

Locked mortgage rates, official weekly averages, and the 10-year Treasury.

30-Year Fixed15-Year FixedFreddie 30-Year Avg10-Year Treasury

Data Sources

Each number shows its source and measurement method.

Locked-rate averages

Optimal Blue mortgage lock records, published through FRED

These numbers come from loans that have already been locked. They are closer to market activity than an advertised bank rate, but they are not a personal quote.

Official weekly averages

Freddie Mac Primary Mortgage Market Survey

Published once a week. It is slower than daily lock data, but useful for reading the national trend.

Market backdrop

10-year U.S. Treasury yield from FRED

This is not a mortgage rate, but it is one of the cleanest public signals for the rate environment.

Bank quote timing

Daily lender rate sheets

Most lenders publish a first rate sheet in the morning. If the bond market moves sharply, some lenders may reprice around midday or in the afternoon.

Update Schedule

The site reads public data automatically, but each source updates at a different time.

Locked-rate averages

30-year fixed, 15-year fixed, jumbo, FHA, and VA

Source
ICE / Optimal Blue, published through FRED
Usual update time
Usually updates on the next business-day morning Eastern Time; exact timing follows the source
Note
If the number has not changed in the morning, the source likely has not published yet. Weekends and U.S. bank holidays usually have no new observations. Blank dates are skipped and never treated as 0% rates.

Same-day bank quotes

Rates shown by banks, mortgage lenders, and loan officers

Source
Each lender's own rate sheet
Usual update time
Most lenders publish in the morning; some reprice around midday or afternoon if markets move
Note
These quotes are not one shared public dataset. Credit score, down payment, loan amount, points, property type, and lock period can all change the final quote.

Official weekly averages

Freddie Mac 30-year and 15-year fixed mortgage averages

Source
Freddie Mac PMMS, published through FRED
Usual update time
Every Thursday at 12:00 PM Eastern Time; if Thursday is a holiday, usually Wednesday
Note
This is a weekly average, not a daily update. It covers mortgage application data from the prior Thursday through Wednesday.

10-year Treasury

Rate environment signal

Source
Federal Reserve H.15, published through FRED
Usual update time
Monday to Friday at 4:15 PM Eastern Time
Note
No release on Federal Reserve holidays or market closure days. It is a market signal, not a mortgage rate.

Data Detail

Each number is compared only with its own previous observation.

NameRateChangeData throughStatusFrequencySource

U.S. 30-Year Fixed Mortgage

National market reference

7.294%

Down 0.08 percentage pointsOct 15, 2026Latest published by sourceDailyView

U.S. 15-Year Fixed Mortgage

National market reference

6.617%

Down 0.19 percentage pointsOct 15, 2026Latest published by sourceDailyView

30-Year Fixed Jumbo Mortgage

National market reference

7.403%

Down 0.14 percentage pointsOct 15, 2026Latest published by sourceDailyView

30-Year Fixed FHA Mortgage

National market reference

7.080%

Down 0.12 percentage pointsOct 15, 2026Latest published by sourceDailyView

30-Year Fixed VA Mortgage

National market reference

6.900%

Down 0.14 percentage pointsOct 15, 2026Latest published by sourceDailyView

Official Weekly Average: 30-Year Fixed

Official weekly average

7.400%

About unchangedOct 15, 2026Latest published by sourceWeeklyView

Official Weekly Average: 15-Year Fixed

Official weekly average

6.710%

Down 0.02 percentage pointsOct 15, 2026Latest published by sourceWeeklyView

10-Year U.S. Treasury

Market signal

5.100%

Down 0.09 percentage pointsOct 15, 2026Latest published by sourceDailyView

Mortgage Terms

Plain explanations for words buyers see all the time.

Rate

The interest percentage you usually see first, such as 6.500%. It does not include every cost of the loan.

APR

The annualized cost after certain loan fees are included. It can be more useful than the rate alone when comparing offers.

Points

An upfront fee paid to lower the mortgage rate. One point usually equals 1% of the loan amount.

Rate lock

A lender agreement that keeps a quoted rate available for a set period. The written lock confirmation matters.

Jumbo loan

A mortgage above the conforming loan limit. Jumbo pricing can move differently from ordinary conforming loans.

10-year Treasury

Not a mortgage rate, but often a useful signal for the pressure facing mortgage rates.

Fixed rate

The rate stays the same through the loan term. In the U.S., 30-year fixed and 15-year fixed loans are the most common.

FHA loan

A loan backed by the Federal Housing Administration, often used by buyers with lower down payments or shorter credit histories.

VA loan

A loan program for eligible service members, veterans, and qualifying family members.

Quick Links

The most useful parts of this dashboard.

Homebuying calculators

Calculate payments, closing cash, amortization, points, PITI, and refinancing.

30 Year Mortgage Rates Today

See the latest rate, source date, trend, and a plain-English explanation.

15 Year Mortgage Rates Today

See the latest rate, source date, trend, and a plain-English explanation.

Jumbo Mortgage Rates Today

See the latest rate, source date, trend, and a plain-English explanation.

FHA Mortgage Rates Today

See the latest rate, source date, trend, and a plain-English explanation.

VA Mortgage Rates Today

See the latest rate, source date, trend, and a plain-English explanation.

Mortgage rate history

Compare locked mortgage rates, weekly averages, and the 10-year Treasury.

Data sources

See where each number comes from and when it usually updates.

Mortgage terms

Plain-English explanations for APR, points, rate locks, jumbo, FHA, and VA loans.