Mortgage Rates This Week: October 9, 2026

October 9, 2026 · 2 minute read

Mortgage Rates Officially at 2 Week Lows

Here's where mortgage rates actually stood as of October 9, 2026, straight from Mortgage News Daily's published national averages, the same source East Coast Mortgage's own Daily Rate Report tracks every business day. These are national averages for an ideal borrower profile, not a quote from us, and not what every borrower will see.

"Even though the underlying bond market is in slightly weaker shape today, mortgage rates ended up trickling just a bit lower than yesterday's latest levels. This can happen on occasions when there is a strong rally late in the previous day." — Mortgage News Daily

This week's national average rates

Conventional 30-Year Fixed: 7.48% (30-day range 7.07% to 7.61%, down 0.09 points from a week earlier)

Conventional 15-Year Fixed: 7.15% (30-day range 6.62% to 7.23%, down 0.04 points from a week earlier)

FHA 30-Year Fixed: 7.15% (30-day range 6.62% to 7.25%, down 0.05 points from a week earlier)

VA 30-Year Fixed: 7.17% (30-day range 6.64% to 7.25%, down 0.04 points from a week earlier)

Jumbo 30-Year Fixed: 7.63% (30-day range 7.20% to 7.71%, down 0.03 points from a week earlier)

10-Year Treasury yield: 5.24%, the benchmark most mortgage rates move alongside.

What this actually means for you

A national average isn't your rate. Your actual rate depends on your credit, down payment, loan program, and the property itself, which is exactly why we shop your file across 40+ lenders instead of quoting you one bank's number. If you're trying to decide whether now is the right time to buy, refinance, or lock, the fastest way to get a real answer is to run your actual numbers, not guess from a headline.

Get your real numbers

Our payment, affordability, and refinance break-even calculators (ecomortgage.com/calculators) use these live rate assumptions to show you real, personalized numbers in a couple of minutes, no credit pull required. When you're ready to talk specifics, a real licensed loan officer takes it from there.

Written by a real loan officer

Austin Frangoules

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Sources

Mortgage News Daily: Daily mortgage rate index
Freddie Mac: Primary Mortgage Market Survey

General information, not advice for your specific situation. Program rules come from the agencies above and from each lender, and they change. A licensed loan officer confirms what applies to you.