Rate Otter

Rates are holding steady this week.

Over the past week, the 1-year Treasury rose 0.02 points, the 10-year Treasury fell 0.06 and the average 7/1 ARM rate fell 0.04. Coming up: the Fed's rate decision on Oct 28 and the jobs report on Nov 6. The Fed's decision moves short-term rates most, and ARM rates tend to follow them.

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Rate Otter Signal
Blend of Treasury and 7/1 ARM rate trends. 50 is steady. 65 and over, rates are rising. 35 and under, easing.
55Steady
Last 30 weekdays

Today's rates

updated October 15, 2026
PurchaseRefinance
7/1 ARM
Loan amountRateAPR
$50,000 to $832,750Conforming6.375%6.637%
$832,751 to $2,500,000Jumbo6.000%6.428%
30-year fixed
Loan amountRateAPR
$50,000 to $832,750Conforming7.125%7.217%
$832,751 to $1,249,125High Balance7.500%7.592%
$832,751 to $2,500,000Jumbo7.625%7.710%

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