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Daily Mortgage Rates
Mortgage rates today put the 30-year fixed at 7.42% and the 15-year fixed at 6.74%, sourced from Optimal Blue (OBMMI) via FRED. We track mortgage rates today every market day with a fresh analysis, lock-or-float guidance, and the math behind your payment.
Today's Analysis · October 9, 2026
Mortgage Rates Today: Daily 30-Year Rate 7.42% Oct 9 2026
Mortgage rates today, October 9, 2026: 30-year fixed at 7.42%, 15-year at 6.74%, 5/1 ARM APR at 6.90%. Analysis, refinance math, and lock-in advice.
Read the full analysis → 30-Year Fixed
7.42%
as of October 8, 2026
15-Year Fixed
6.74%
Optimal Blue · FRED
5/1 ARM
6.90%
Bankrate
Recent Daily Rate Analysis
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17SEPMortgage Rates Today: Daily 30-Year Rate 7.01%7.01%16SEPMortgage Rates Today: Daily 30-Year Rate 6.97%6.97%15SEPMortgage Rates Today: Daily 30-Year Rate 6.95%6.95%14SEPMortgage Rates Today: Daily 30-Year Rate 6.88%6.88%11SEPMortgage Rates Today: Daily 30-Year Rate 6.81%6.81%10SEPMortgage Rates Today: Daily 30-Year Rate 6.77%6.77%09SEPMortgage Rates Today: Daily 30-Year Rate 6.77%6.77%Methodology
How We Analyze Mortgage Rates Today
Authoritative Data
Rates come from the Optimal Blue OBMMI via FRED and the Freddie Mac PMMS — the same sources lenders track.
Daily Market Updates
A fresh reading and analysis every business day, so you see where mortgage rates today stand right now — not last week.
Expert Economic Analysis
We track the 10-year Treasury yield and Federal Reserve policy to explain why rates moved and where they may head.
Editorial Standards
Every analysis is written in plain language with real payment math — direct lock-or-float guidance, no jargon, no fluff.
For the weekly outlook on mortgage rates today, see our Mortgage Rate Forecast page, or compare all loan types on our Mortgage Rates page.
FAQ
Frequently Asked Questions
What are mortgage rates today?
Mortgage rates today put the 30-year fixed at 7.42% and the 15-year fixed at 6.74%, based on the Optimal Blue Mortgage Market Indices (OBMMI) via FRED. The 5/1 ARM is around 6.90%. Rates shown are interest rates, not APR.
How often are mortgage rates updated?
We refresh the rates and publish a new daily analysis every business day. Optimal Blue's OBMMI index updates daily on market days, so figures reflect the most recent published reading.
What moves mortgage rates today?
Mortgage rates today track the 10-year Treasury yield far more closely than the federal funds rate. Inflation data, jobs reports, Fed guidance, and bond-market supply all push the 10-year — and mortgage rates follow with a short lag.
What's the difference between daily and weekly mortgage rates?
Daily rates from Optimal Blue reflect real-time lender locks and are best for timing your rate lock. Weekly averages from Freddie Mac's PMMS, published every Thursday, are better for tracking the broader trend.
