Posted rates moved on Wednesday: U.S. Bank 15-Year Fixed to 6.625% (+0.135), Rocket Mortgage 30-Year Fixed to 7.25% (−0.125), Bank of America 15-Year Fixed to 6.75% (+0.125), U.S. Bank 7/6 ARM to 6.75% (+0.125), and 1 more posted rates. The full table and the 30-day trend are below.
Chart: RateZip · Source: lender-posted rates tracked daily by RateZip.
| Lender | 30-Yr | 15-Yr | 20-Yr | FHA 30-Yr | VA 30-Yr | Jumbo 30-Yr | 7/6 ARM | HELOC |
|---|---|---|---|---|---|---|---|---|
| AmeriSave | 5.99% / 6.535% (−0.01) | 5.25% / 6.082% | — | — | — | — | — | — |
| New American Funding | 7.5% / 7.599% | 7% / 7.195% | — | 7.25% / 8.305% | 7.25% / 7.708% | — | — | — |
| Rocket Mortgage | 7.25% / 7.564% (−0.125) | 6.625% / 7.116% | — | — | — | — | — | — |
| Wells Fargo | 7.25% / 7.401% | 6.625% / 6.864% | — | — | 6.625% / 6.859% | — | 6.625% / 6.783% | — |
| U.S. Bank | 7.125% / 7.299% | 6.625% / 6.912% (+0.135) | 6.625% / 6.857% | 7.25% / 8.134% | 6.99% / 7.391% | 7.375% / 7.535% | 6.75% / 6.863% (+0.125) | — |
| Bank of America | 7.375% / 7.621% | 6.75% / 7.139% (+0.125) | 7.25% / 7.55% | — | — | — | 6.5% / 6.778% | — |
| Veterans United | — | — | — | — | 6.625% / 7.041% | — | — | — |
| FourLeaf Federal Credit Union | — | — | — | — | — | — | — | 7% / 7% |
Rates are each lender's own published rate as of 9:50 a.m. ET, collected from their public rate pages and feeds. Each cell shows the posted rate / APR — the APR is the better cross-lender comparison, since posted rates reflect each lender's own assumptions about credit, points, and loan size. A figure in parentheses is today's change; a '—' means the lender doesn't post that product. How we collect and publish this: our rate methodology.
AmeriSave also posts refinance pricing: 30-year fixed at 6.5% (7.024% APR) and 15-year fixed at 5.75% (6.67% APR).
Today's increase is U.S. Bank's third in the past three weeks; its posted 15-Year Fixed is up 0.365 points over that stretch.
The gap between the cheapest and most expensive posted 30-year rate in our tracked set is 1.51 points (AmeriSave at 5.99% vs New American Funding at 7.5%). On a $400,000 loan that spread is about $401 a month — on any given morning, the difference between lenders is far larger than the day-to-day movement of any one of them.
Over the past week the biggest move in the set is U.S. Bank's posted FHA 30-Year Fixed, down 0.5 points.
Nationally, Freddie Mac's Primary Mortgage Market Survey put the average 30-year fixed mortgage rate at 7.32% in the week ending October 22, 2026, down from 7.40% a week earlier. Source: Freddie Mac Primary Mortgage Market Survey via FRED®, Federal Reserve Bank of St. Louis.
Payment illustration, not an actual borrower or offer: a $400,000 30-year fixed loan at 7.32% has monthly principal and interest of $2,747.72, compared with $2,769.52 at 7.40%, a difference of $21.80 (lower). Calculated on the same loan amount and term; excludes taxes, insurance, mortgage insurance, points, fees and closing costs. The benchmark is an interest-rate average, not APR or a personalized rate quote.
In the broader market, the 10-year Treasury yield — the benchmark long-term mortgage pricing most closely tracks — stood at 5.00% at its most recent close (Monday, October 26, per FRED), unchanged from the prior close and down 15 basis points over the past week.
Where borrower demand is heading: RateZip's Mortgage Demand Index — built from the mortgage inquiries consumers submit across our network — shows September 2026 inquiry volume 4% lower than August 2026's and 99% higher than September 2025's. Behind the total: home-equity products (HELOC plus reverse) drew 90% of inquiries over the three months through September 2026, versus 72% in the same months a year earlier; refinance went from 11% to 1% of the mix. Product-level detail and the full series are on the index page.