Today's national purchase rates
| Loan | Rate | APR |
|---|---|---|
30-year fixedUp 0.12 since Oct 8 | 7.39% | 7.52% |
15-year fixedUp 0.03 since Oct 8 | 6.74% | 6.86% |
5/6 adjustable-rateUp 0.05 since Oct 8 | 5.54% | 6.29% |
Estimates for Oct 9, 2026: 760–779 credit, 20% down, $400,000 loan, at typical points.
About these estimates
Each rate is quoted at the points typical for its loan. A national estimate, the same in every state. Each state's page moves it by what that state's borrowers paid, from the loans lenders report under the Home Mortgage Disclosure Act (HMDA).
An adjustable rate's APR assumes the rate resets to the fully indexed rate after the fixed years, so it sits about 0.75 percentage points above the starting rate.
The least certain of our estimates: its benchmark follows only 0.064 of each move in the 10-year Treasury yield, so it changes mostly once a week.
Estimate, not an offer · FFIEC, effective Oct 12, 2026 · Fannie Mae, dated Sep 30, 2026 · U.S. Treasury, Oct 9, 2026
Sources and licences
Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.
Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.
10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.