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Updated Friday, October 9, 2026
Conventional
30-Year Fixed
7.388%
Last 30 business days
Conventional
15-Year Fixed
6.593%
Last 30 business days
Government
FHA 30-Year
7.177%
Last 30 business days
Government
VA 30-Year
7.129%
Last 30 business days
Weekly benchmark
The figure most often quoted in the news. PMMS publishes weekly on Thursdays, so it lags the daily lock-based averages above — useful for trend, less useful for timing.
30-Year Fixed
7.40%
Week of 2026-10-08
15-Year Fixed
6.73%
Week of 2026-10-08
We watch the daily national averages for you and send a note only when your threshold is crossed — or when the market moves enough to matter.
Source: Optimal Blue Mortgage Market Indices (OBMMI™), national averages of actual locked note rates, published via the Federal Reserve Bank of St. Louis (FRED) and updated each business day. Data as of Friday, October 9, 2026. Weekly comparison figures come from the Freddie Mac Primary Mortgage Market Survey® (PMMS®).
These are national index averages of note rates — not APRs, and not an offer, quote, rate lock, or commitment to lend. Your actual rate depends on credit profile, loan amount, occupancy, property type, loan-to-value, points, and market conditions at the time of lock.