Mortgage rates: Week of October 5, 2026
A plain, factual recap of where U.S. mortgage-rate benchmarks moved during Oct 5–6, 2026 — the OBMMI medians RallyRates tracks and the 10-year Treasury that anchors them. We report the moves; we never forecast.
| Benchmark | Mon | Fri | Week |
|---|---|---|---|
| 30-yr conventional | 7.458% | 7.451% | −1 bp |
| 15-yr conventional | 6.796% | 6.535% | −26 bp |
| FHA 30-yr | 7.127% | 7.169% | +4 bp |
| VA 30-yr | 7.100% | 7.079% | −2 bp |
| 10-yr Treasury (the driver) | 5.310% | 5.270% | −4 bp |
Over Oct 5–6, 2026, the conventional 30-year benchmark opened at 7.458% and closed at 7.451%. The 10-year Treasury eased 4bp on the week, and conventional 30-year mortgage rates followed lower.
The 15-year conventional closed the week at 6.535%; FHA 30-year at 7.169%. These are benchmark medians, not a lender quote — for a live, lowest-APR-first board of real published rates, open the terminal.
Shopping today? See the live rate board — real published lender rates, sorted lowest-APR-first, nobody pays to rank. Open the terminal → · Free calculators
Latest reportSep 28 – Oct 2, 2026 →