Daily Rate Tracker
Mortgage Rates Today
October 26, 2026: live Treasury yields, official Freddie Mac survey rates, and today's estimated 30-year fixed rate.
Estimated 30-Year Fixed Today
7.00%
Official 30-Year Fixed
7.32%
10-Year Treasury
4.960%
Rate Snapshot
| Rate / Index | Latest | As Of | Change | Note |
|---|---|---|---|---|
| 30-Year Fixed | 7.32% | October 22, 2026 | -0.08 | Official Freddie Mac survey rate |
| 15-Year Fixed | 6.68% | October 22, 2026 | -0.03 | Official Freddie Mac survey rate |
| 10-Year Treasury | 4.960% | October 22, 2026 | -0.17 | Daily market benchmark |
| 30-Year Treasury | 5.290% | October 22, 2026 | -0.13 | Daily market benchmark |
| 2-Year Treasury | 4.650% | October 22, 2026 | -0.16 | Daily market benchmark |
| Federal Funds Rate | 3.750% | September 1, 2026 | +0.12 | Effective policy rate |
30-Year Fixed Rate Trend
Latest Rate Coverage
- U.S. import prices rise 1.1% in September, up 8.1% from a year earlier
BLS data released Oct. 16 show fuel import prices up 4.8% and nonfuel up 0.7% for the month. These border price indexes are not consumer prices or mortgage rates.
- Invesco Mortgage Capital reports $8 billion portfolio in preliminary update
The October 14 release provides a September 30 snapshot of mortgage investments, repo borrowing and liquidity. The figures are preliminary and unaudited, not a mortgage-rate forec…
- Industrial Production Rises 0.7% in September as Utilities Output Jumps 3.5%
The Federal Reserve's Oct. 16 G.17 release shows September industrial production up 0.7%, manufacturing up 0.3% and capacity utilization at 76.9%. It is new growth data, not a Fed…
- Freddie Mac: 30-Year Mortgage Rate Holds at 7.40% as 15-Year Slips to 6.71%
Freddie Mac's weekly survey shows the average 30-year fixed rate unchanged at 7.40% as of Oct. 15, while the 15-year average eased to 6.71%. Both remain more than a point above a…
- Producer Prices Jump 1.3% in September, the Largest Monthly Gain Since March 2022
The Labor Department's producer price index for final demand rose 1.3% in September and 6.3% from a year earlier. Here is what the release shows and what it does not.
- Mortgage Applications Fall 2.7% as MBA's 30-Year Rate Hits 7.5%, Highest Since November 2023
MBA said Oct. 14 that applications fell 2.7% in the week ending Oct. 9, purchase applications fell 4%, and the ARM share rose to 10.5% as its 30-year conforming rate reached 7.5%.
Frequently Asked Questions
What drives mortgage rates day to day?
Mortgage rates follow the 10-year Treasury yield and mortgage-backed securities (MBS) spreads. Inflation data, Federal Reserve policy, jobs reports, and lender capacity all move the spread.
Why is the 'today' rate an estimate?
The official Freddie Mac survey rate is published once a week on Thursdays. To give a daily read, we estimate the current 30-year fixed rate by adding the recent average mortgage-to-Treasury spread to today's 10-year Treasury yield.
Will I get this rate from a lender?
Not necessarily. The published rate is a national average or market benchmark. Your actual rate depends on credit score, loan-to-value, loan purpose, property type, and the lender's pricing.
When are the official mortgage rates updated?
Freddie Mac's Primary Mortgage Market Survey is released Thursday mornings and reflects the average rate for the preceding week.