Where rates stand, what's moving them, and what it means for your deal. Updated automatically from the sources lenders price off.
The desk
● Updating…Fixed averages are the Freddie Mac Primary Mortgage Market Survey, published Thursdays at noon ET. Treasury yields are the daily par yield curve. Prime is the Federal Reserve H.15 release. These are national averages, not a quote. Your rate depends on credit, loan type, LTV and deal structure. This is not an offer to lend.
The 30-year average tracks the 10-year Treasury, not the Fed's headline rate. That is the single most misunderstood thing about mortgage pricing, so both are shown here together.
| Instrument | Current | As of | Source |
|---|---|---|---|
| 30-year fixed average | 7.24% | 29 Oct 2026 | Freddie Mac PMMS |
| 15-year fixed average | 6.60% | 29 Oct 2026 | Freddie Mac PMMS |
| 10-year Treasury | 4.90% | 4 Nov 2026 | US Treasury |
| 30-year Treasury | 5.28% | 4 Nov 2026 | US Treasury |
| Bank prime loan rate | 7.00% | Nov 2026 | Federal Reserve H.15 |
DSCR, bridge and non-QM products price off different inputs and are not represented by these averages. Ask an advisor for a scenario-specific quote.
Three figures that explain most of what you will see on a rate sheet this month.
2.34points between the 30-year average and the 10-year Treasury. The spread widens when lenders are absorbing risk and narrows when they compete.
Derived from the two figures above.+2.4%year over year nationally, August 2026 — up 0.3% from July. Equity keeps building even while rates stay high.
FHFA House Price Index, released 27 Oct 2026.TighterBanks reported tightening standards and weaker demand across commercial and industrial lending in October — a signal that reaches investor and non-QM pricing too.
Federal Reserve Senior Loan Officer Opinion Survey, October 2026.Headlines from the industry press and the agencies, linking straight to the publisher.
The questions our advisors answer every week, written down once.
No tax returns and no W-2s — the property's rent against its payment. What ratio you need, and what happens when it falls short.
Both short-term, priced differently, and lenders mean different things by each. Which one your deal actually is.
On a $400,000 loan, in dollars a month and over the life of the loan. Run it against today's figures.
Bank statement, asset depletion, ITIN — who each is genuinely for, and the documentation each takes.
Where files actually stall — appraisal, title, conditions — and what you can do about each before it happens.
Equity is the quiet half of the rate conversation. See where yours stands before you decide.
Tell us what you're working on and an advisor comes back with real numbers on your file — not an average.
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