2026-10-28 6.625% → 2026-10-29 6.625%

Median 30-yr fixed (as published)

7.125%

14 lenders · purchase

Lowest 30-yr APR

6.881%

Better · 6.625% + 2.13 pts

Spread, lowest to highest rate

0.750%

6.625% to 7.375%

OBMMI 30-yr conforming

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Freddie Mac PMMS 30-yr

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Sorted by 30-yr Fixed APR. Click a column to sort. Green outline = lowest APR in column.Lowest APR first. Tap a rate for assumptions and source.

Lender	30-yr Fixed ▾	15-yr Fixed	30-yr FHA	30-yr VA	30-yr Jumbo	7/6 ARM	5/6 ARM
Better nonbank · national pricing	6.625% APR 6.881% · 2.13 ptsVA 22030 Product 30-yr fixed Rate / APR 6.625% / 6.881% Points 2.13 ($7,468) Loan $351,000 FICO / LTV 760 / 80% Lock – Payment – Region 22030 Observed Oct 29, 2:30 PM Lender says 10:31 a.m. EDT on Oct 29 Source open ↗	6.000%▲ 0.010 APR 6.395% · 2.03 ptsDC 20001 Product 15-yr fixed Rate / APR 6.000% / 6.395% Points 2.03 ($7,100) Loan $350,000 FICO / LTV 760 / 80% Lock – Payment – Region 20001 Observed Oct 29, 2:30 PM Lender says 10:31 a.m. EDT on Oct 29 Source open ↗	6.250% APR 7.319% · 2.3 ptsDC 20001 Product 30-yr fixed FHA Rate / APR 6.250% / 7.319% Points 2.3 ($8,037) Loan $349,000 FICO / LTV 760 / 80% Lock – Payment – Region 20001 Observed Oct 29, 2:30 PM Lender says 10:31 a.m. EDT on Oct 29 Source open ↗	6.250% APR 6.523% · 2.36 ptsDC 20001 Product VA 30-yr fixed VA Rate / APR 6.250% / 6.523% Points 2.36 ($8,275) Loan $351,000 FICO / LTV 760 / 80% Lock – Payment – Region 20001 Observed Oct 29, 2:30 PM Lender says 10:31 a.m. EDT on Oct 29 Source open ↗	–	6.375% APR 6.866% · 2.12 pts Product 7/6m ARM Rate / APR 6.375% / 6.866% Points 2.12 ($7,409) Loan $349,000 FICO / LTV 760 / 80% Lock – Payment – Region national Observed Oct 28, 8:00 PM Lender says 4:01 p.m. EDT on Oct 28 Source open ↗	6.125% APR 6.823% · 2.09 ptsDC 20001 Product 5/6m ARM Rate / APR 6.125% / 6.823% Points 2.09 ($7,325) Loan $350,000 FICO / LTV 760 / 80% Lock – Payment – Region 20001 Observed Oct 29, 2:30 PM Lender says 10:31 a.m. EDT on Oct 29 Source open ↗
Navy Federal Credit Union credit union · national pricing	6.750% APR 6.898% · 0.5 pts Product 30 Year Rate / APR 6.750% / 6.898% Points 0.5 Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Lender says Rates as of Oct 29, 2026 ET. Source open ↗	6.125% APR 6.343% · 0.375 pts Product 15 Year Rate / APR 6.125% / 6.343% Points 0.375 Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Lender says Rates as of Oct 29, 2026 ET. Source open ↗	–	6.625% APR 7.059% · 0.375 pts Product 30 Year Rate / APR 6.625% / 7.059% Points 0.375 Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Lender says Rates as of Oct 29, 2026 ET. Source open ↗	7.000% APR 7.150% · 0.5 pts Product 30 Year Jumbo Rate / APR 7.000% / 7.150% Points 0.5 Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Lender says Rates as of Oct 29, 2026 ET. Source open ↗	–	–
PenFed Credit Union credit union · national pricing	6.750% APR 6.939% · pts – Product 30-Year Conventional Loan Rate / APR 6.750% / 6.939% Points – Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Lender says rates are updated Monday through Friday at 10:15am EST. The advertised rates and points are subje Source open ↗	–	6.250% APR 7.159% · pts – Product 30-Year FHA Loan Rate / APR 6.250% / 7.159% Points – Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Lender says rates are updated Monday through Friday at 10:15am EST. The advertised rates and points are subje Source open ↗	6.250% APR 6.560% · pts – Product 30-Year VA Loan Rate / APR 6.250% / 6.560% Points – Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Lender says rates are updated Monday through Friday at 10:15am EST. The advertised rates and points are subje Source open ↗	–	–	–
U.S. Bank bank · state-based	6.990% APR 7.172% · 0.947 ptsVA Product Conventional 30-year Rate / APR 6.990% / 7.172% Points 0.947 Loan $405,000 FICO / LTV 740 / 75% Lock 45 days Payment $2,691 Region VA Observed Oct 29, 2:30 PM Lender says current as of 10/28/2026 Source open ↗	6.490% APR 6.750% · 0.762 ptsMD Product Conventional 15-year Rate / APR 6.490% / 6.750% Points 0.762 Loan $405,000 FICO / LTV 740 / 75% Lock 45 days Payment $3,525 Region MD Observed Oct 29, 2:30 PM Lender says current as of 10/28/2026 Source open ↗	6.750% APR 7.663% · 0.972 ptsVA Product FHA 30-year Rate / APR 6.750% / 7.663% Points 0.972 Loan – FICO / LTV 680 / – Lock 45 days Payment $1,872 Region VA Observed Oct 29, 2:30 PM Lender says current as of 10/28/2026 Source open ↗	6.625% APR 7.019% · 0.973 ptsVA Product VA 30-year Rate / APR 6.625% / 7.019% Points 0.973 Loan – FICO / LTV 740 / – Lock 45 days Payment $2,452 Region VA Observed Oct 29, 2:30 PM Lender says current as of 10/28/2026 Source open ↗	7.375% APR 7.539% · 0.74 ptsMD Product Jumbo 30-year Rate / APR 7.375% / 7.539% Points 0.74 Loan $940,000 FICO / LTV 740 / 75% Lock 45 days Payment $6,492 Region MD Observed Oct 29, 2:30 PM Lender says current as of 10/28/2026 Source open ↗	6.625% APR 6.802% · 0.938 ptsMD Product ARM 7/6 mo Rate / APR 6.625% / 6.802% Points 0.938 Loan $405,000 FICO / LTV 740 / 75% Lock 45 days Payment $2,593 Region MD Observed Oct 29, 2:30 PM Lender says current as of 10/28/2026 Source open ↗	–
Truist bank · lender default scenario	6.990% APR 7.201% · 0.931 pts Product 30-Year Fixed Rate / APR 6.990% / 7.201% Points 0.931 Loan $200,000 FICO / LTV 740 / 75% Lock – Payment $1,662 Region default:Richmond,VA Observed Oct 29, 2:30 PM Source open ↗	6.490% APR 6.806% · 0.896 pts Product 15-Year Fixed Rate / APR 6.490% / 6.806% Points 0.896 Loan $200,000 FICO / LTV 740 / 75% Lock – Payment $2,176 Region default:Richmond,VA Observed Oct 29, 2:30 PM Source open ↗	6.700% APR 7.654% · 0.954 pts Product 30-Year FHA Rate / APR 6.700% / 7.654% Points 0.954 Loan $200,000 FICO / LTV 680 / 96.5% Lock – Payment $1,404 Region default:Richmond,VA Observed Oct 29, 2:30 PM Source open ↗	6.700% APR 7.092% · 0.859 pts Product 30-Year VA Rate / APR 6.700% / 7.092% Points 0.859 Loan $250,000 FICO / LTV 720 / 100% Lock – Payment $1,648 Region default:Richmond,VA Observed Oct 29, 2:30 PM Source open ↗	6.990% APR 7.120% · 0.751 pts Product 30-Year Jumbo Rate / APR 6.990% / 7.120% Points 0.751 Loan $850,000 FICO / LTV 740 / 75% Lock – Payment $5,483 Region default:Richmond,VA Observed Oct 29, 2:30 PM Source open ↗	–	–
M&T Bank bank · national pricing	6.875% APR 7.207% · pts – Product Conforming 30 Year Fixed Rate Rate / APR 6.875% / 7.207% Points – Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Source open ↗	6.625% APR 6.993% · pts – Product Conforming 15 Year Fixed Rate Rate / APR 6.625% / 6.993% Points – Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Source open ↗	6.875% APR 7.308% · pts – Product FHA 30 Year Fixed Rate Rate / APR 6.875% / 7.308% Points – Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Source open ↗	6.875% APR 7.308% · pts – Product VA 30 Year Fixed Rate Rate / APR 6.875% / 7.308% Points – Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Source open ↗	6.875% APR 7.000% · pts – Product Jumbo 30 Year Fixed Rate Rate / APR 6.875% / 7.000% Points – Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Source open ↗	–	–
TD Bank bank · ZIP-based	7.125% APR 7.278% · pts –DC 20001 Product 30-Year Fixed Rate Rate / APR 7.125% / 7.278% Points – Loan $400,000 FICO / LTV 740 / 80% Lock – Payment $3,448 Region 20001 Observed Oct 29, 2:30 PM Source open ↗	6.625% APR 6.868% · pts –DC 20001 Product 15-Year Fixed Rate Rate / APR 6.625% / 6.868% Points – Loan $400,000 FICO / LTV 740 / 80% Lock – Payment $4,265 Region 20001 Observed Oct 29, 2:30 PM Source open ↗	–	–	–	6.625% APR 6.893% · pts –DC 20001 Product 7/6 ARM Rate / APR 6.625% / 6.893% Points – Loan $400,000 FICO / LTV 740 / 80% Lock – Payment $3,315 Region 20001 Observed Oct 29, 2:30 PM Source open ↗	6.625% APR 6.923% · pts –DC 20001 Product 5/6 ARM Rate / APR 6.625% / 6.923% Points – Loan $400,000 FICO / LTV 740 / 80% Lock – Payment $3,315 Region 20001 Observed Oct 29, 2:30 PM Source open ↗
PNC bank · ZIP-based	7.125% APR 7.292% · pts –MD 21201 Product 30 YR FIXED Rate / APR 7.125% / 7.292% Points – Loan $400,000 FICO / LTV 740 / 80% Lock – Payment $2,695 Region 21201 Observed Oct 29, 2:30 PM Lender says Thursday 10/29/2026 at 08:42 AM Central Time Source open ↗	6.250% APR 6.522% · pts –MD 21201 Product 15 YR FIXED Rate / APR 6.250% / 6.522% Points – Loan $400,000 FICO / LTV 740 / 80% Lock – Payment $3,430 Region 21201 Observed Oct 29, 2:30 PM Lender says Thursday 10/29/2026 at 08:42 AM Central Time Source open ↗	–	–	–	6.875% APR 7.035% · pts –MD 21201 Product 7YR SOFR ARM Rate / APR 6.875% / 7.035% Points – Loan $400,000 FICO / LTV 740 / 80% Lock – Payment $2,628 Region 21201 Observed Oct 29, 2:30 PM Lender says Thursday 10/29/2026 at 08:42 AM Central Time Source open ↗	–
Citizens bank · national pricing	7.250% APR 7.368% · 0.625 pts Product 30-Year Fixed Rate Rate / APR 7.250% / 7.368% Points 0.625 Loan $300,000 FICO / LTV – / – Lock 60 days Payment $2,047 Region national Observed Oct 29, 2:30 PM Lender says Rates effective as of 10/28/2026 9:04 AM CT and subject to change at anytime. Source open ↗	6.750% APR 6.896% · 0.375 pts Product 15-Year Fixed Rate Rate / APR 6.750% / 6.896% Points 0.375 Loan $300,000 FICO / LTV – / – Lock 60 days Payment $2,655 Region national Observed Oct 29, 2:30 PM Lender says Rates effective as of 10/28/2026 9:04 AM CT and subject to change at anytime. Source open ↗	–	–	–	–	–
Wells Fargo bank · lender default scenario	7.250% APR 7.401% · 0.75 pts Product 30-Year Fixed Rate Rate / APR 7.250% / 7.401% Points 0.75 ($2,400) Loan $320,000 FICO / LTV – / 80% Lock – Payment – Region default:Austin,TX Observed Oct 29, 2:30 PM Lender says Rates, terms, and fees as of 10/29/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here. Source open ↗	6.500% APR 6.778% · 1 pts Product 15-Year Fixed Rate Rate / APR 6.500% / 6.778% Points 1 ($3,200) Loan $320,000 FICO / LTV – / 80% Lock – Payment – Region default:Austin,TX Observed Oct 29, 2:30 PM Lender says Rates, terms, and fees as of 10/29/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here. Source open ↗	–	6.625% APR 6.847% · 0.759 pts Product 30-Year Fixed-Rate VA Rate / APR 6.625% / 6.847% Points 0.759 ($2,430) Loan $320,000 FICO / LTV – / 80% Lock – Payment – Region default:Austin,TX Observed Oct 29, 2:30 PM Lender says Rates, terms, and fees as of 10/29/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here. Source open ↗	–	6.625% APR 6.783% · 0.875 pts Product 7/6-Month ARM Rate / APR 6.625% / 6.783% Points 0.875 ($2,800) Loan $320,000 FICO / LTV – / 80% Lock – Payment – Region default:Austin,TX Observed Oct 29, 2:30 PM Lender says Rates, terms, and fees as of 10/29/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here. Source open ↗	–
Tower Federal Credit Union credit union · national pricing	7.375% APR 7.437% · 0 pts Product 30 Year Rate / APR 7.375% / 7.437% Points 0 Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Source open ↗	6.875% APR 6.971% · 0 pts Product 15 Year Rate / APR 6.875% / 6.971% Points 0 Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Source open ↗	–	7.000% APR 7.165% · 0 pts Product 30 Year VA *** Rate / APR 7.000% / 7.165% Points 0 Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Source open ↗	7.625% APR 7.659% · 0 pts Product 30 Year Jumbo Rate / APR 7.625% / 7.659% Points 0 Loan – FICO / LTV – / – Lock – Payment – Region national Observed Oct 29, 2:30 PM Source open ↗	–	–
Bank of America bank · ZIP-based	7.375% APR 7.518% · 0.718 ptsVA 22030 Product 30-year fixed Rate / APR 7.375% / 7.518% Points 0.718 Loan $400,000 FICO / LTV 740 / 80% Lock – Payment $2,763 Region 22030 Observed Oct 29, 2:30 PM Lender says rates valid as of 29 Oct 2026 10:15 a.m. Eastern Daylight Time and assume borrower has excellent Source open ↗	6.750%▲ 0.125 APR 6.963% · 0.648 ptsVA 22030 Product 15-year fixed Rate / APR 6.750% / 6.963% Points 0.648 Loan $400,000 FICO / LTV 740 / 80% Lock – Payment $3,540 Region 22030 Observed Oct 29, 2:30 PM Lender says rates valid as of 29 Oct 2026 10:15 a.m. Eastern Daylight Time and assume borrower has excellent Source open ↗	–	–	–	6.500% APR 6.695% · 0.678 ptsMD 21201 Product 7y/6m ARM variable Rate / APR 6.500% / 6.695% Points 0.678 Loan $400,000 FICO / LTV 740 / 80% Lock – Payment $2,528 Region 21201 Observed Oct 29, 2:30 PM Lender says rates valid as of 29 Oct 2026 10:15 a.m. Eastern Daylight Time and assume borrower has excellent Source open ↗	6.250%▼ 0.125 APR 6.636% · 0.965 ptsMD 21201 Product 5y/6m ARM variable Rate / APR 6.250% / 6.636% Points 0.965 Loan $400,000 FICO / LTV 740 / 80% Lock – Payment $2,463 Region 21201 Observed Oct 29, 2:30 PM Lender says rates valid as of 29 Oct 2026 10:15 a.m. Eastern Daylight Time and assume borrower has excellent Source open ↗
Rocket Mortgage nonbank · national pricing	7.250% APR 7.550% · 1.875 ptsDC Product 30-year fixed Rate / APR 7.250% / 7.550% Points 1.875 ($6,563) Loan $350,000 FICO / LTV 740 / 80% Lock – Payment $2,388 Region DC Observed Oct 29, 2:30 PM Lender says Rates are current as of 2:30 PM UTC on October 29, 2026 Source open ↗	6.625% APR 7.074% · 1.75 pts Product 15-year fixed Rate / APR 6.625% / 7.074% Points 1.75 ($6,125) Loan $350,000 FICO / LTV 740 / 80% Lock – Payment $3,073 Region national Observed Oct 29, 2:30 PM Lender says Rates are current as of 2:16 PM UTC on October 29, 2026 Source open ↗	6.625%▼ 0.125 APR 7.507% · 2 ptsDC Product 30-year FHA Rate / APR 6.625% / 7.507% Points 2 ($7,000) Loan $350,000 FICO / LTV 740 / 80% Lock – Payment $2,387 Region DC Observed Oct 29, 2:30 PM Lender says Rates are current as of 2:30 PM UTC on October 29, 2026 Source open ↗	6.750% APR 7.166% · 1.875 ptsDC Product 30-year VA Rate / APR 6.750% / 7.166% Points 1.875 ($6,563) Loan $350,000 FICO / LTV 740 / 80% Lock – Payment $2,271 Region DC Observed Oct 29, 2:30 PM Lender says Rates are current as of 2:30 PM UTC on October 29, 2026 Source open ↗	6.875% APR 7.115% · 1.875 ptsDC Product 30-year jumbo fixed Rate / APR 6.875% / 7.115% Points 1.875 ($20,625) Loan $1,100,000 FICO / LTV 740 / 70% Lock – Payment $7,227 Region DC Observed Oct 29, 2:30 PM Lender says Rates are current as of 2:30 PM UTC on October 29, 2026 Source open ↗	–	–
Pennymac nonbank · ZIP-based	7.375%▼ 0.124 APR 7.565% · 0.894 pts Product Conventional 30 Year Fixed Rate / APR 7.375% / 7.565% Points 0.894 ($3,129) Loan $350,000 FICO / LTV – / – Lock – Payment $2,417 Region default Observed Oct 29, 2:30 PM Source open ↗	6.750%▼ 0.125 APR 7.023% · 0.765 pts Product Conventional 15 Year Fixed Rate / APR 6.750% / 7.023% Points 0.765 ($2,678) Loan $350,000 FICO / LTV – / – Lock – Payment $3,097 Region default Observed Oct 29, 2:30 PM Source open ↗	6.750%▼ 0.125 APR 7.673% · 0.782 pts Product FHA 30 Year Fixed Rate / APR 6.750% / 7.673% Points 0.782 ($1,989) Loan $254,000 FICO / LTV – / – Lock – Payment $1,650 Region default Observed Oct 29, 2:30 PM Source open ↗	6.750% APR 7.133% · 0.468 pts Product VA 30 Year Fixed Rate / APR 6.750% / 7.133% Points 0.468 ($1,793) Loan $383,000 FICO / LTV – / – Lock – Payment $2,485 Region default Observed Oct 29, 2:30 PM Source open ↗	6.375% APR 6.599% · 1.859 pts Product Jumbo 30 Year Fixed Rate / APR 6.375% / 6.599% Points 1.859 ($22,308) Loan $1,200,000 FICO / LTV – / – Lock – Payment $7,486 Region default Observed Oct 29, 2:30 PM Source open ↗	–	–

Lender

30-yr Fixed ▾

15-yr Fixed

30-yr FHA

30-yr VA

30-yr Jumbo

7/6 ARM

5/6 ARM

Better

nonbank · national pricing

6.625%

APR 6.881% · 2.13 ptsVA 22030

Product: 30-yr fixed
Rate / APR: 6.625% / 6.881%
Points: 2.13 ($7,468)
Loan: $351,000
FICO / LTV: 760 / 80%
Lock: –
Payment: –
Region: 22030
Observed: Oct 29, 2:30 PM
Lender says: 10:31 a.m. EDT on Oct 29
Source: open ↗

6.000%▲ 0.010

APR 6.395% · 2.03 ptsDC 20001

Product: 15-yr fixed
Rate / APR: 6.000% / 6.395%
Points: 2.03 ($7,100)
Loan: $350,000
FICO / LTV: 760 / 80%
Lock: –
Payment: –
Region: 20001
Observed: Oct 29, 2:30 PM
Lender says: 10:31 a.m. EDT on Oct 29
Source: open ↗

6.250%

APR 7.319% · 2.3 ptsDC 20001

Product: 30-yr fixed FHA
Rate / APR: 6.250% / 7.319%
Points: 2.3 ($8,037)
Loan: $349,000
FICO / LTV: 760 / 80%
Lock: –
Payment: –
Region: 20001
Observed: Oct 29, 2:30 PM
Lender says: 10:31 a.m. EDT on Oct 29
Source: open ↗

6.250%

APR 6.523% · 2.36 ptsDC 20001

Product: VA 30-yr fixed VA
Rate / APR: 6.250% / 6.523%
Points: 2.36 ($8,275)
Loan: $351,000
FICO / LTV: 760 / 80%
Lock: –
Payment: –
Region: 20001
Observed: Oct 29, 2:30 PM
Lender says: 10:31 a.m. EDT on Oct 29
Source: open ↗

–

6.375%

APR 6.866% · 2.12 pts

Product: 7/6m ARM
Rate / APR: 6.375% / 6.866%
Points: 2.12 ($7,409)
Loan: $349,000
FICO / LTV: 760 / 80%
Lock: –
Payment: –
Region: national
Observed: Oct 28, 8:00 PM
Lender says: 4:01 p.m. EDT on Oct 28
Source: open ↗

6.125%

APR 6.823% · 2.09 ptsDC 20001

Product: 5/6m ARM
Rate / APR: 6.125% / 6.823%
Points: 2.09 ($7,325)
Loan: $350,000
FICO / LTV: 760 / 80%
Lock: –
Payment: –
Region: 20001
Observed: Oct 29, 2:30 PM
Lender says: 10:31 a.m. EDT on Oct 29
Source: open ↗

Navy Federal Credit Union

credit union · national pricing

6.750%

APR 6.898% · 0.5 pts

Product: 30 Year
Rate / APR: 6.750% / 6.898%
Points: 0.5
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Lender says: Rates as of Oct 29, 2026 ET.
Source: open ↗

6.125%

APR 6.343% · 0.375 pts

Product: 15 Year
Rate / APR: 6.125% / 6.343%
Points: 0.375
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Lender says: Rates as of Oct 29, 2026 ET.
Source: open ↗

–

6.625%

APR 7.059% · 0.375 pts

Product: 30 Year
Rate / APR: 6.625% / 7.059%
Points: 0.375
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Lender says: Rates as of Oct 29, 2026 ET.
Source: open ↗

7.000%

APR 7.150% · 0.5 pts

Product: 30 Year Jumbo
Rate / APR: 7.000% / 7.150%
Points: 0.5
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Lender says: Rates as of Oct 29, 2026 ET.
Source: open ↗

–

PenFed Credit Union

credit union · national pricing

6.750%

APR 6.939% · pts –

Product: 30-Year Conventional Loan
Rate / APR: 6.750% / 6.939%
Points: –
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Lender says: rates are updated Monday through Friday at 10:15am EST. The advertised rates and points are subje
Source: open ↗

–

6.250%

APR 7.159% · pts –

Product: 30-Year FHA Loan
Rate / APR: 6.250% / 7.159%
Points: –
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Lender says: rates are updated Monday through Friday at 10:15am EST. The advertised rates and points are subje
Source: open ↗

6.250%

APR 6.560% · pts –

Product: 30-Year VA Loan
Rate / APR: 6.250% / 6.560%
Points: –
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Lender says: rates are updated Monday through Friday at 10:15am EST. The advertised rates and points are subje
Source: open ↗

–

U.S. Bank

bank · state-based

6.990%

APR 7.172% · 0.947 ptsVA

Product: Conventional 30-year
Rate / APR: 6.990% / 7.172%
Points: 0.947
Loan: $405,000
FICO / LTV: 740 / 75%
Lock: 45 days
Payment: $2,691
Region: VA
Observed: Oct 29, 2:30 PM
Lender says: current as of 10/28/2026
Source: open ↗

6.490%

APR 6.750% · 0.762 ptsMD

Product: Conventional 15-year
Rate / APR: 6.490% / 6.750%
Points: 0.762
Loan: $405,000
FICO / LTV: 740 / 75%
Lock: 45 days
Payment: $3,525
Region: MD
Observed: Oct 29, 2:30 PM
Lender says: current as of 10/28/2026
Source: open ↗

6.750%

APR 7.663% · 0.972 ptsVA

Product: FHA 30-year
Rate / APR: 6.750% / 7.663%
Points: 0.972
Loan: –
FICO / LTV: 680 / –
Lock: 45 days
Payment: $1,872
Region: VA
Observed: Oct 29, 2:30 PM
Lender says: current as of 10/28/2026
Source: open ↗

6.625%

APR 7.019% · 0.973 ptsVA

Product: VA 30-year
Rate / APR: 6.625% / 7.019%
Points: 0.973
Loan: –
FICO / LTV: 740 / –
Lock: 45 days
Payment: $2,452
Region: VA
Observed: Oct 29, 2:30 PM
Lender says: current as of 10/28/2026
Source: open ↗

7.375%

APR 7.539% · 0.74 ptsMD

Product: Jumbo 30-year
Rate / APR: 7.375% / 7.539%
Points: 0.74
Loan: $940,000
FICO / LTV: 740 / 75%
Lock: 45 days
Payment: $6,492
Region: MD
Observed: Oct 29, 2:30 PM
Lender says: current as of 10/28/2026
Source: open ↗

6.625%

APR 6.802% · 0.938 ptsMD

Product: ARM 7/6 mo
Rate / APR: 6.625% / 6.802%
Points: 0.938
Loan: $405,000
FICO / LTV: 740 / 75%
Lock: 45 days
Payment: $2,593
Region: MD
Observed: Oct 29, 2:30 PM
Lender says: current as of 10/28/2026
Source: open ↗

–

Truist

bank · lender default scenario

6.990%

APR 7.201% · 0.931 pts

Product: 30-Year Fixed
Rate / APR: 6.990% / 7.201%
Points: 0.931
Loan: $200,000
FICO / LTV: 740 / 75%
Lock: –
Payment: $1,662
Region: default:Richmond,VA
Observed: Oct 29, 2:30 PM
Source: open ↗

6.490%

APR 6.806% · 0.896 pts

Product: 15-Year Fixed
Rate / APR: 6.490% / 6.806%
Points: 0.896
Loan: $200,000
FICO / LTV: 740 / 75%
Lock: –
Payment: $2,176
Region: default:Richmond,VA
Observed: Oct 29, 2:30 PM
Source: open ↗

6.700%

APR 7.654% · 0.954 pts

Product: 30-Year FHA
Rate / APR: 6.700% / 7.654%
Points: 0.954
Loan: $200,000
FICO / LTV: 680 / 96.5%
Lock: –
Payment: $1,404
Region: default:Richmond,VA
Observed: Oct 29, 2:30 PM
Source: open ↗

6.700%

APR 7.092% · 0.859 pts

Product: 30-Year VA
Rate / APR: 6.700% / 7.092%
Points: 0.859
Loan: $250,000
FICO / LTV: 720 / 100%
Lock: –
Payment: $1,648
Region: default:Richmond,VA
Observed: Oct 29, 2:30 PM
Source: open ↗

6.990%

APR 7.120% · 0.751 pts

Product: 30-Year Jumbo
Rate / APR: 6.990% / 7.120%
Points: 0.751
Loan: $850,000
FICO / LTV: 740 / 75%
Lock: –
Payment: $5,483
Region: default:Richmond,VA
Observed: Oct 29, 2:30 PM
Source: open ↗

–

M&T Bank

bank · national pricing

6.875%

APR 7.207% · pts –

Product: Conforming 30 Year Fixed Rate
Rate / APR: 6.875% / 7.207%
Points: –
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Source: open ↗

6.625%

APR 6.993% · pts –

Product: Conforming 15 Year Fixed Rate
Rate / APR: 6.625% / 6.993%
Points: –
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Source: open ↗

6.875%

APR 7.308% · pts –

Product: FHA 30 Year Fixed Rate
Rate / APR: 6.875% / 7.308%
Points: –
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Source: open ↗

6.875%

APR 7.308% · pts –

Product: VA 30 Year Fixed Rate
Rate / APR: 6.875% / 7.308%
Points: –
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Source: open ↗

6.875%

APR 7.000% · pts –

Product: Jumbo 30 Year Fixed Rate
Rate / APR: 6.875% / 7.000%
Points: –
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Source: open ↗

–

TD Bank

bank · ZIP-based

7.125%

APR 7.278% · pts –DC 20001

Product: 30-Year Fixed Rate
Rate / APR: 7.125% / 7.278%
Points: –
Loan: $400,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $3,448
Region: 20001
Observed: Oct 29, 2:30 PM
Source: open ↗

6.625%

APR 6.868% · pts –DC 20001

Product: 15-Year Fixed Rate
Rate / APR: 6.625% / 6.868%
Points: –
Loan: $400,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $4,265
Region: 20001
Observed: Oct 29, 2:30 PM
Source: open ↗

–

6.625%

APR 6.893% · pts –DC 20001

Product: 7/6 ARM
Rate / APR: 6.625% / 6.893%
Points: –
Loan: $400,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $3,315
Region: 20001
Observed: Oct 29, 2:30 PM
Source: open ↗

6.625%

APR 6.923% · pts –DC 20001

Product: 5/6 ARM
Rate / APR: 6.625% / 6.923%
Points: –
Loan: $400,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $3,315
Region: 20001
Observed: Oct 29, 2:30 PM
Source: open ↗

PNC

bank · ZIP-based

7.125%

APR 7.292% · pts –MD 21201

Product: 30 YR FIXED
Rate / APR: 7.125% / 7.292%
Points: –
Loan: $400,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $2,695
Region: 21201
Observed: Oct 29, 2:30 PM
Lender says: Thursday 10/29/2026 at 08:42 AM Central Time
Source: open ↗

6.250%

APR 6.522% · pts –MD 21201

Product: 15 YR FIXED
Rate / APR: 6.250% / 6.522%
Points: –
Loan: $400,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $3,430
Region: 21201
Observed: Oct 29, 2:30 PM
Lender says: Thursday 10/29/2026 at 08:42 AM Central Time
Source: open ↗

–

6.875%

APR 7.035% · pts –MD 21201

Product: 7YR SOFR ARM
Rate / APR: 6.875% / 7.035%
Points: –
Loan: $400,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $2,628
Region: 21201
Observed: Oct 29, 2:30 PM
Lender says: Thursday 10/29/2026 at 08:42 AM Central Time
Source: open ↗

–

Citizens

bank · national pricing

7.250%

APR 7.368% · 0.625 pts

Product: 30-Year Fixed Rate
Rate / APR: 7.250% / 7.368%
Points: 0.625
Loan: $300,000
FICO / LTV: – / –
Lock: 60 days
Payment: $2,047
Region: national
Observed: Oct 29, 2:30 PM
Lender says: Rates effective as of 10/28/2026 9:04 AM CT and subject to change at anytime.
Source: open ↗

6.750%

APR 6.896% · 0.375 pts

Product: 15-Year Fixed Rate
Rate / APR: 6.750% / 6.896%
Points: 0.375
Loan: $300,000
FICO / LTV: – / –
Lock: 60 days
Payment: $2,655
Region: national
Observed: Oct 29, 2:30 PM
Lender says: Rates effective as of 10/28/2026 9:04 AM CT and subject to change at anytime.
Source: open ↗

–

Wells Fargo

bank · lender default scenario

7.250%

APR 7.401% · 0.75 pts

Product: 30-Year Fixed Rate
Rate / APR: 7.250% / 7.401%
Points: 0.75 ($2,400)
Loan: $320,000
FICO / LTV: – / 80%
Lock: –
Payment: –
Region: default:Austin,TX
Observed: Oct 29, 2:30 PM
Lender says: Rates, terms, and fees as of 10/29/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here.
Source: open ↗

6.500%

APR 6.778% · 1 pts

Product: 15-Year Fixed Rate
Rate / APR: 6.500% / 6.778%
Points: 1 ($3,200)
Loan: $320,000
FICO / LTV: – / 80%
Lock: –
Payment: –
Region: default:Austin,TX
Observed: Oct 29, 2:30 PM
Lender says: Rates, terms, and fees as of 10/29/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here.
Source: open ↗

–

6.625%

APR 6.847% · 0.759 pts

Product: 30-Year Fixed-Rate VA
Rate / APR: 6.625% / 6.847%
Points: 0.759 ($2,430)
Loan: $320,000
FICO / LTV: – / 80%
Lock: –
Payment: –
Region: default:Austin,TX
Observed: Oct 29, 2:30 PM
Lender says: Rates, terms, and fees as of 10/29/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here.
Source: open ↗

–

6.625%

APR 6.783% · 0.875 pts

Product: 7/6-Month ARM
Rate / APR: 6.625% / 6.783%
Points: 0.875 ($2,800)
Loan: $320,000
FICO / LTV: – / 80%
Lock: –
Payment: –
Region: default:Austin,TX
Observed: Oct 29, 2:30 PM
Lender says: Rates, terms, and fees as of 10/29/2026 10:15 AM Eastern Daylight Time and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here.
Source: open ↗

–

Tower Federal Credit Union

credit union · national pricing

7.375%

APR 7.437% · 0 pts

Product: 30 Year
Rate / APR: 7.375% / 7.437%
Points: 0
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Source: open ↗

6.875%

APR 6.971% · 0 pts

Product: 15 Year
Rate / APR: 6.875% / 6.971%
Points: 0
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Source: open ↗

–

7.000%

APR 7.165% · 0 pts

Product: 30 Year VA ***
Rate / APR: 7.000% / 7.165%
Points: 0
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Source: open ↗

7.625%

APR 7.659% · 0 pts

Product: 30 Year Jumbo
Rate / APR: 7.625% / 7.659%
Points: 0
Loan: –
FICO / LTV: – / –
Lock: –
Payment: –
Region: national
Observed: Oct 29, 2:30 PM
Source: open ↗

–

Bank of America

bank · ZIP-based

7.375%

APR 7.518% · 0.718 ptsVA 22030

Product: 30-year fixed
Rate / APR: 7.375% / 7.518%
Points: 0.718
Loan: $400,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $2,763
Region: 22030
Observed: Oct 29, 2:30 PM
Lender says: rates valid as of 29 Oct 2026 10:15 a.m. Eastern Daylight Time and assume borrower has excellent
Source: open ↗

6.750%▲ 0.125

APR 6.963% · 0.648 ptsVA 22030

Product: 15-year fixed
Rate / APR: 6.750% / 6.963%
Points: 0.648
Loan: $400,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $3,540
Region: 22030
Observed: Oct 29, 2:30 PM
Lender says: rates valid as of 29 Oct 2026 10:15 a.m. Eastern Daylight Time and assume borrower has excellent
Source: open ↗

–

6.500%

APR 6.695% · 0.678 ptsMD 21201

Product: 7y/6m ARM variable
Rate / APR: 6.500% / 6.695%
Points: 0.678
Loan: $400,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $2,528
Region: 21201
Observed: Oct 29, 2:30 PM
Lender says: rates valid as of 29 Oct 2026 10:15 a.m. Eastern Daylight Time and assume borrower has excellent
Source: open ↗

6.250%▼ 0.125

APR 6.636% · 0.965 ptsMD 21201

Product: 5y/6m ARM variable
Rate / APR: 6.250% / 6.636%
Points: 0.965
Loan: $400,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $2,463
Region: 21201
Observed: Oct 29, 2:30 PM
Lender says: rates valid as of 29 Oct 2026 10:15 a.m. Eastern Daylight Time and assume borrower has excellent
Source: open ↗

Rocket Mortgage

nonbank · national pricing

7.250%

APR 7.550% · 1.875 ptsDC

Product: 30-year fixed
Rate / APR: 7.250% / 7.550%
Points: 1.875 ($6,563)
Loan: $350,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $2,388
Region: DC
Observed: Oct 29, 2:30 PM
Lender says: Rates are current as of 2:30 PM UTC on October 29, 2026
Source: open ↗

6.625%

APR 7.074% · 1.75 pts

Product: 15-year fixed
Rate / APR: 6.625% / 7.074%
Points: 1.75 ($6,125)
Loan: $350,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $3,073
Region: national
Observed: Oct 29, 2:30 PM
Lender says: Rates are current as of 2:16 PM UTC on October 29, 2026
Source: open ↗

6.625%▼ 0.125

APR 7.507% · 2 ptsDC

Product: 30-year FHA
Rate / APR: 6.625% / 7.507%
Points: 2 ($7,000)
Loan: $350,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $2,387
Region: DC
Observed: Oct 29, 2:30 PM
Lender says: Rates are current as of 2:30 PM UTC on October 29, 2026
Source: open ↗

6.750%

APR 7.166% · 1.875 ptsDC

Product: 30-year VA
Rate / APR: 6.750% / 7.166%
Points: 1.875 ($6,563)
Loan: $350,000
FICO / LTV: 740 / 80%
Lock: –
Payment: $2,271
Region: DC
Observed: Oct 29, 2:30 PM
Lender says: Rates are current as of 2:30 PM UTC on October 29, 2026
Source: open ↗

6.875%

APR 7.115% · 1.875 ptsDC

Product: 30-year jumbo fixed
Rate / APR: 6.875% / 7.115%
Points: 1.875 ($20,625)
Loan: $1,100,000
FICO / LTV: 740 / 70%
Lock: –
Payment: $7,227
Region: DC
Observed: Oct 29, 2:30 PM
Lender says: Rates are current as of 2:30 PM UTC on October 29, 2026
Source: open ↗

–

Pennymac

nonbank · ZIP-based

7.375%▼ 0.124

APR 7.565% · 0.894 pts

Product: Conventional 30 Year Fixed
Rate / APR: 7.375% / 7.565%
Points: 0.894 ($3,129)
Loan: $350,000
FICO / LTV: – / –
Lock: –
Payment: $2,417
Region: default
Observed: Oct 29, 2:30 PM
Source: open ↗

6.750%▼ 0.125

APR 7.023% · 0.765 pts

Product: Conventional 15 Year Fixed
Rate / APR: 6.750% / 7.023%
Points: 0.765 ($2,678)
Loan: $350,000
FICO / LTV: – / –
Lock: –
Payment: $3,097
Region: default
Observed: Oct 29, 2:30 PM
Source: open ↗

6.750%▼ 0.125

APR 7.673% · 0.782 pts

Product: FHA 30 Year Fixed
Rate / APR: 6.750% / 7.673%
Points: 0.782 ($1,989)
Loan: $254,000
FICO / LTV: – / –
Lock: –
Payment: $1,650
Region: default
Observed: Oct 29, 2:30 PM
Source: open ↗

6.750%

APR 7.133% · 0.468 pts

Product: VA 30 Year Fixed
Rate / APR: 6.750% / 7.133%
Points: 0.468 ($1,793)
Loan: $383,000
FICO / LTV: – / –
Lock: –
Payment: $2,485
Region: default
Observed: Oct 29, 2:30 PM
Source: open ↗

6.375%

APR 6.599% · 1.859 pts

Product: Jumbo 30 Year Fixed
Rate / APR: 6.375% / 6.599%
Points: 1.859 ($22,308)
Loan: $1,200,000
FICO / LTV: – / –
Lock: –
Payment: $7,486
Region: default
Observed: Oct 29, 2:30 PM
Source: open ↗

–

Lender activity (HMDA, FHA, GSE deliveries) is under Lenders; sales, permits, listings and prices under Market; delinquency, jobs and migration under Economy.

30-year fixed: market benchmarks vs. published rates, last 90 days

Median published 30-yr (this dashboard)10-year Treasury

OBMMI is derived from actual rate locks (Optimal Blue, via FRED, citation required). PMMS is Freddie Mac's weekly survey. The 10-year Treasury is the benchmark mortgage rates price off; the gap between it and PMMS is the mortgage spread shown in the strip above. Published rates are each lender's advertised scenario and carry different points and loan assumptions, so compare APR, not rate.

Rates

30-year fixed: market benchmarks vs. published rates, last 90 days