AmeriSave also posts refinance pricing: 30-year fixed at 6.25% (6.816% APR) and 15-year fixed at 5.625% (6.509% APR).

For a borrower financing $400,000, today’s 0.125-point move at Tomo Mortgage is worth about $33 a month. Real money over thirty years — but not by itself a reason to rush a decision that should turn on the house and the household.

The gap between the cheapest and most expensive posted 30-year rate in our tracked set is 1.625 points (AmeriSave at 5.875% vs New American Funding at 7.5%). On a $400,000 loan that spread is about $431 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 AmeriSave’s posted 15-Year Fixed, down 0.135 points.

Nationally, Freddie Mac’s Primary Mortgage Market Survey put the average 30-year fixed mortgage rate at 7.18% in the week ending November 5, 2026, down from 7.24% 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 7.18% has monthly principal and interest of $2,709.74, compared with $2,725.99 at 7.24%, a difference of $16.25 (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 4.84% at its most recent close (Thursday, November 5, per FRED), down 6 basis points from the prior close and down 14 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 October 2026 inquiry volume 7% higher than September 2026’s and 15% higher than October 2025’s. Behind the total: home-equity products (HELOC plus reverse) drew 95% of inquiries over the three months through October 2026, versus 74% in the same months a year earlier; refinance went from 5% to 2% of the mix. Product-level detail and the full series are on the index page.

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