Today's mortgage rates: Posted lender rates hold across the board

The 8 lenders RateZip tracks left all 27 posted rates we follow unchanged on Monday — the table below shows where every posted product stands, and the week-over-week read follows it.

Related: Today’s mortgage rates

Chart: RateZip · Source: lender-posted rates tracked daily by RateZip.

Rates are each lender’s own published rate as of 9:50 a.m. ET, collected from their public rate pages and feeds. Each cell shows the posted rate / APR — 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 today’s change; a ‘—’ means the lender doesn’t post that product.

How we collect and publish this: our rate methodology.

AmeriSave also posts refinance pricing: 30-year fixed at 6.75% (7.228% APR) and 15-year fixed at 5.99% (6.827% APR).

The gap between the cheapest and most expensive posted 30-year rate in our tracked set is 1.25 points (AmeriSave at 6.375% vs Bank of America at 7.625%). On a $400,000 loan that spread is about $336 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 Bank of America’s posted 20-Year Fixed, down 0.25 points.

Nationally, Freddie Mac’s Primary Mortgage Market Survey put the average 30-year fixed mortgage rate at 7.40% in the week ending October 8, 2026, up from 7.28% a week earlier — the highest since November 2023. 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 7.40% has monthly principal and interest of $2,769.52, compared with $2,736.85 at 7.28%, a difference of $32.67 (higher). 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 5.22% at its most recent close (Thursday, October 8, per FRED), down 6 basis points from the prior close and down 2 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 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.

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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 12, 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.