Mortgage Rates - 30 Yr. Fixed: 7.36% — October 22, 2026 — Today (Pacific Time)
Current Mortgage Rates
| Product | Current | 1 day | 1 week | 1 month | 1 year | Low | High |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 7.36% | -0.04% | +0.03% | +0.19% | +1.19% | 5.99% | 7.61% |
| 15 Yr. Fixed | 7.00% | -0.04% | +0.02% | +0.17% | +1.27% | 5.55% | 7.23% |
| 30 Yr. FHA | 6.98% | -0.07% | +0.00% | +0.18% | +1.08% | 5.62% | 7.25% |
| 30 Yr. Jumbo | 7.62% | -0.03% | -0.03% | +0.27% | +1.52% | 6.10% | 7.71% |
| 7/6 SOFR ARM | 6.80% | -0.02% | +0.01% | +0.08% | +1.09% | 5.29% | 6.95% |
| 30 Yr. VA | 6.99% | -0.07% | -0.01% | +0.17% | +1.08% | 5.64% | 7.25% |
Key Observations
Mortgage rates edged lower today, with government-backed products (FHA and VA) declining 7 basis points while conventional fixed rates fell just 4 basis points. Most products remain elevated compared to yearly lows, with the 30-year fixed at 7.36%—75 basis points below its 52-week high but 137 basis points above its yearly low of 5.99%. The 7/6 ARM at 6.80% offers a 56 basis point discount to the 30-year fixed, providing potential savings for borrowers comfortable with rate adjustments after the initial period.
This content is for informational purposes only and does not constitute financial advice. Rates shown are national averages and may vary by lender, credit score, and loan terms. Always consult with a qualified mortgage professional before making financial decisions.
Independent, data-driven signals.
No hype. No promotions. Just experimental market research from EverHint.
This is not financial advice. Insider transactions can have many motivations beyond stock outlook.
Do your own due diligence.
See https://www.everhint.com/disclaimer/ and https://www.everhint.com/faqs/