Posted rates moved at 5 of 8 tracked lenders on Tuesday: Veterans United's VA 30-year fixed rose to 6.75% (+0.25), Rocket Mortgage and Bank of America both rose to 7.5% (+0.125), and AmeriSave's 15-year fixed rose to 5.375% (+0.125). The gap between the cheapest tracked 30-year rate (AmeriSave at 6.25%) and the most expensive (Rocket Mortgage at 7.5%) is 1.25 points, or about $334 a month on a $400,000 loan. Freddie Mac's national average 30-year fixed rate was 7.40% for the week ending October 15, 2026, unchanged from the prior week. The 10-year Treasury yield, the benchmark long-term mortgage rates most closely track, was 5.09% at its latest close, down 15 basis points over the week. RateZip's index shows September 2026 mortgage inquiries 4% lower than August but 99% higher than September 2025, with home-equity products (HELOC and reverse) making up 90% of inquiries over the three months through September.
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- Today mortgage rates : Posted lender rates hold across the board
Eight lenders tracked by RateZip left all 27 posted rates unchanged on Monday. Freddie Mac's average 30-year fixed mortgage rate was 7.40% in the week ending October 15, 2026, unchanged from the prior week. Among posted 30-year rates, AmeriSave's 6.25% and New American Funding's 7.5% create a 1.25-point gap, worth about $334 a month on a $400,000 loan. The 10-year Treasury yield closed at 5.10%, down 12 basis points over the past week, while RateZip's Mortgage Demand Index showed September 2026 inquiries 4% lower than August but 99% higher than a year earlier.
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