Where did mortgage rates land in mid-October?

Posted mortgage rates at the 8 lenders RateZip tracks ended the week of October 12–16, 2026 mostly lower: of the 27 posted rates with readings on more than one day this week, 20 finished lower than they started it, 0 higher, and 7 unchanged. The week’s largest move: U.S. Bank’s posted 7/6 ARM, down 0.5 points to 6.75%.

Related: Today’s mortgage rates

Rates are each lender’s own published rate, collected each weekday from their public rate pages and feeds. Each cell shows the lender’s final posted rate / APR of the week of October 12–16, 2026 — 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 the change from the lender’s first to last posted rate of the week; a ‘—’ means the lender doesn’t post that product.

How we collect and publish this: our rate methodology.

By product, across the lenders that post each one:

30-Year Fixed — ended the week lower at 5 of the 6 lenders with more than one reading, higher at 0, unchanged at 1; week-ending posted rates run from 6.125% (AmeriSave) to 7.5% (New American Funding).
15-Year Fixed — ended the week lower at 4 of the 6 lenders with more than one reading, higher at 0, unchanged at 2; week-ending posted rates run from 5.25% (AmeriSave) to 7% (New American Funding).
20-Year Fixed — ended the week lower at 2 of the 2 lenders with more than one reading, higher at 0, unchanged at 0; week-ending posted rates run from 6.875% (U.S. Bank) to 7.125% (Bank of America).
FHA 30-Year Fixed — ended the week lower at 1 of the 2 lenders with more than one reading, higher at 0, unchanged at 1; week-ending posted rates run from 7.25% (New American Funding) to 7.25% (New American Funding).
VA 30-Year Fixed — ended the week lower at 3 of the 4 lenders with more than one reading, higher at 0, unchanged at 1; week-ending posted rates run from 6.5% (Veterans United) to 7.25% (New American Funding).
7/6 ARM — ended the week lower at 2 of the 3 lenders with more than one reading, higher at 0, unchanged at 1; week-ending posted rates run from 6.625% (Bank of America) to 6.75% (Wells Fargo).

The week’s biggest lender moves: U.S. Bank’s 7/6 ARM went from 7.25% to 6.75% (−0.5); U.S. Bank’s 20-Year Fixed went from 7.25% to 6.875% (−0.375); U.S. Bank’s FHA 30-Year Fixed went from 7.625% to 7.25% (−0.375).

Across the week, posted 30-year fixed rates in the tracked set ran from 6.125% (AmeriSave) to 7.625% (Bank of America). At the week’s close, the gap between the cheapest and most expensive posted 30-year rate is 1.375 points (AmeriSave at 6.125% vs New American Funding at 7.5%) — on a $400,000 loan, about $366 a month. That spread is larger than any single lender’s 30-year move this week — lender shopping still matters more than timing.

Week over week — each rate’s closing level against the same lender’s posted rate a week earlier — 18 of the 27 tracked rates with a prior-week reading ended lower, 0 higher, and 9 unchanged. The largest week-over-week change: U.S. Bank’s 20-Year Fixed, down 0.5 points.

AmeriSave also posts refinance pricing: 30-year fixed ending the week at 6.5% (7.033% APR), −0.25 on the week and 15-year fixed ending the week at 5.875% (6.705% APR), −0.115 on the week.

In the broader market, the 10-year Treasury yield — the benchmark long-term mortgage pricing most closely tracks — ended the week at 5.10% (close of Thursday, October 15, per FRED), down 14 basis points from the prior week’s last close.

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.

RateZip’s daily Mortgage rates today report returns Monday morning.

RateZip is operated by Peklava LLC, DBA RateZip, a licensed mortgage broker (NMLS ID 1592292). We are compensated by some of the partners shown on this page, which may affect which offers appear and where. It does not affect our reporting or our recommendations. Rates shown were last updated October 17, 2026 at 9:50 a.m. ET. See our editorial standards and how we use AI.

How we track rates: methodology. Found an error? Tell us.

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This article originally appeared on RateZip and was syndicated by MediaFeed.co.