One-year rate trends
Mortgage Rate History and Trends by Loan Type
The latest U.S. 30-year fixed locked-rate average is 7.294% as of October 15, 2026. Compare its recent trend with 15-year, jumbo, FHA, and VA mortgage rates below.
The loan-type chart uses up to 260 recent published observations, which is roughly one year of business-day data when the source has complete coverage. This page is a recent-trends view, not a complete archive of U.S. mortgage rates.
Current 30-year fixed
7.294%
Up-to-one-year high
7.458%
Up-to-one-year low
5.901%
1-year mortgage rate trends by loan type
Up to one year of published 30-year, 15-year, jumbo, FHA, and VA locked-rate averages.
30 Year Mortgage Rates Today
7.294% as of October 15, 2026
Up-to-one-year range: 5.901% to 7.458%
15 Year Mortgage Rates Today
6.617% as of October 15, 2026
Up-to-one-year range: 5.230% to 6.807%
Jumbo Mortgage Rates Today
7.403% as of October 15, 2026
Up-to-one-year range: 6.104% to 7.562%
FHA Mortgage Rates Today
7.080% as of October 15, 2026
Up-to-one-year range: 5.836% to 7.207%
VA Mortgage Rates Today
6.900% as of October 15, 2026
Up-to-one-year range: 5.526% to 7.130%
30-year mortgage rates and Treasury yields
Compare the locked 30-year rate with Freddie Mac's weekly average and the 10-year Treasury.
Monthly 30-year summary
Calculated from published locked-rate observations.
| Month | Open | Close | High | Low | Change |
|---|---|---|---|---|---|
| 2026-10 | 7.368% | 7.294% | 7.458% | 7.294% | Down 0.07 pts |
| 2026-09 | 6.749% | 7.386% | 7.386% | 6.744% | Up 0.64 pts |
| 2026-08 | 6.711% | 6.719% | 6.719% | 6.636% | Up 0.01 pts |
| 2026-07 | 6.474% | 6.716% | 6.716% | 6.463% | Up 0.24 pts |
| 2026-06 | 6.472% | 6.452% | 6.532% | 6.411% | Down 0.02 pts |
| 2026-05 | 6.313% | 6.438% | 6.631% | 6.313% | Up 0.13 pts |
| 2026-04 | 6.343% | 6.313% | 6.383% | 6.187% | Down 0.03 pts |
| 2026-03 | 5.975% | 6.351% | 6.494% | 5.975% | Up 0.38 pts |