A year of mortgage rates
By Samprit Biswas, editor · Updated October 8, 2026
Mortgage rates move every week. A year of the public benchmark, the average prime offer rate (APOR), shows how far, for each of the three loans we estimate.
Reading the year
Each line is one loan's APOR: the annual percentage rate (APR) lenders offered a borrower with excellent credit, published every week. A 15-year fixed usually sits below a 30-year, because the lender's money is out for less time. An adjustable rate's APOR assumes its reset, so it can sit above a fixed rate even when its starting rate is lower.
What moves them
Day to day, the 10-year Treasury yield moves them most, and it follows inflation and the economy's outlook. The spread over it moves with investors' appetite for mortgages. See Mortgage rates and the 10-year Treasury.
A year is a short view
A year shows the recent trend, not where rates will go. For a longer view, the FFIEC's APOR tables and Freddie Mac's weekly survey both reach back many years.
On the product pages
Each loan's page charts its APOR beside the 10-year Treasury yield and our own estimate, from a month to a year, with every week's figure in a table.
How to cite this page
InfinityRateWatch. "A year of mortgage rates." https://infinityratewatch.com/learn/mortgage-rate-history/. Data as of Oct 8, 2026.