Today's Indications
Mortgage rates, refreshed daily.
Indicative rate ranges across the most common home financing programs. Use these as a starting point — your locked rate depends on credit, loan-to-value, occupancy and program guidelines.
| Program | Rate | Prev | Δ | As of |
|---|---|---|---|---|
| 30-Yr Fixed | 7.320% | 7.400% | -0.080 | October 22, 2026 |
| 15-Yr Fixed | 6.680% | 6.710% | -0.030 | October 22, 2026 |
| 20-Yr Fixed | 7.070% | 7.150% | -0.080 | October 22, 2026 |
| FHA 30-Yr | 6.945% | 7.025% | -0.080 | October 22, 2026 |
| VA 30-Yr | 6.820% | 6.900% | -0.080 | October 22, 2026 |
| Jumbo 30-Yr | 7.570% | 7.650% | -0.080 | October 22, 2026 |
| HELOC | 8.000% | 8.000% | 0.000 | October 26, 2026 |
| Home Equity | 8.195% | 8.275% | -0.080 | October 22, 2026 |
How these rates are derived. Conventional 30-yr and 15-yr rates come directly from Freddie Mac's Primary Mortgage Market Survey (PMMS) via FRED series MORTGAGE30US and MORTGAGE15US. 20-yr, FHA, VA and jumbo are spread off the 30-yr benchmark using typical investor pricing tiers (–0.250, –0.375, –0.500 and +0.250 respectively). HELOC is indexed to the Bank Prime Loan Rate (DPRIME) plus a 1.000 margin; home equity loans are indicated at +0.875 over the 30-yr.
Rates are indications, not commitments. The feed refreshes once per day and is cached server-side. Your locked rate is determined by credit score, debt-to-income, loan-to-value, occupancy, property type and lender program. Source: Federal Reserve Economic Data (FRED) · St. Louis Fed.
Adjusts the published indication for credit band and loan-to-value. Indicative only.