Today’s mortgage market,
in one place.
Start with the short read on what moved rates, then use the dated Treasury and mortgage benchmarks and original-source economic news below.
The Fed rate is not your mortgage rate.
What changes when the Fed moves? Understand prime, fixed mortgages and HELOCs—and the questions to ask before you lock.
Read the plain-English guide →CURRENT PUBLISHED MARKET BENCHMARKS
Open the market dashboard ↗Mortgage Market Pulse
Auto-refresh every 5 minutes · Last site check Oct 26, 10:38 PM PDT
30-year mortgage
7.32%↓ -8 bp vs Oct 15, 2026Published for Oct 22, 2026Source checked Oct 26, 10:15 PM PDTFreddie Mac PMMS® via FRED ↗15-year mortgage
6.68%↓ -3 bp vs Oct 15, 2026Published for Oct 22, 2026Source checked Oct 26, 10:15 PM PDTFreddie Mac PMMS® via FRED ↗Freshness matters: Shop Lender Rates checks for newly published values every five minutes while this page is open. Clicking Refresh now bypasses our market cache and checks the source feeds immediately. Treasury values shown here are official daily benchmarks; Freddie Mac mortgage figures are weekly national averages. A newer check time does not change a value until its publisher releases a new observation.
LATEST PUBLISHED BRIEF · Tuesday, September 29, 2026 · checked 11:54 AM EDT
Long bonds extend their selloff despite softer data and oil
Tuesday's cross-currents still favor caution. The 30-year Treasury reached about 5.60%, its highest level since 2002, and the 10-year about 5.27% even as Brent fell to $103.32, consumer confidence dropped to 81.9 and job openings declined to 7.079 million. The available public agency-MBS snapshot is delayed but also weaker, with UMBS 5.5 down 4/32 and UMBS 6.0 down 3/32. Softer demand signals and improving Gulf exports are rate-positive, but the long-end selloff and Wednesday's PCE/GDP risk dominate.
This briefing describes its publication date. The benchmark cards above check for newer observations independently.
Treasury yields are daily benchmarks; mortgage averages are weekly national figures. These are not individual loan offers. Live MBS quotes and standardized lender pricing snapshots are not connected.
THE SLR NEWS DESKMortgage News
Mortgage News
& Market Intelligence.
The headlines, the plain-English essentials, and what they mean for rate shoppers.
Last successful source check: Oct 27, 1:38 AM ET
Feeds refresh approximately every 5 minutes while in use.
14 dated headlines · newest first
Some sources could not be refreshed. Check their websites for the latest releases.
Monetary policy
Minutes of the Board's discount rate meetings on August 17, September 9, and September 16, 2026
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Minutes of the Board's discount rate meetings on August 17, September 9, and September 16, 2026
Why It Matters to Rate Shoppers
The Fed influences short-term rates. Mortgage rates also reflect longer-term bond and mortgage-backed-security markets; they do not move one-for-one with a Fed decision.
Fed perspective
Waller, The Signaling Value of the Summary of Economic Projections
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Speech At the Istanbul Economic Forum, Central Bank of the Republic of Türkiye, Istanbul, Türkiye
Why It Matters to Rate Shoppers
This is a policymaker’s perspective, not necessarily a committee decision. Their remarks may influence expectations, but do not set the mortgage rate a lender offers you.
Monetary policy
Minutes of the Federal Open Market Committee, September 15-16, 2026
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Minutes of the the Federal Reserve’s interest-rate committee, September 15-16, 2026
Why It Matters to Rate Shoppers
The Fed influences short-term rates. Mortgage rates also reflect longer-term bond and mortgage-backed-security markets; they do not move one-for-one with a Fed decision.
- FOMC
- The Federal Reserve committee that makes monetary-policy decisions.
Fed perspective
Jefferson, The U.S. Economy and Monetary Policy
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Speech At the Darden School of Business, University of Virginia, Charlottesville, Virginia
Why It Matters to Rate Shoppers
This is a policymaker’s perspective, not necessarily a committee decision. Their remarks may influence expectations, but do not set the mortgage rate a lender offers you.
Economic data
GDP, (Third Estimate), Industries, Corporate Profits, State GDP, and State Personal Income, 2nd Quarter 2026; State PCE, 2025
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inflation-adjusted economic output increased at an annual rate of 2.2 percent in the second quarter of 2026 (April, May, and June), according to the third estimate released today by the U.S. Bureau of Economic Analysis (BEA).
Why It Matters to Rate Shoppers
Inflation reports can affect bond yields and mortgage pricing. The reaction depends on how the figures compare with expectations and what else is happening in markets.
- PCE
- Consumer spending. The PCE price index measures inflation associated with that spending.
- GDP
- The value of goods and services produced in the economy. “Real” means adjusted for inflation.
- Annualized
- A shorter-period growth rate expressed as if that pace continued for a year. It is not the same as the change over the past year.
Fed perspective
Barr, Economic Conditions and Monetary Policy
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Speech At the Detroit Economic Club, Detroit, Michigan
Why It Matters to Rate Shoppers
This is a policymaker’s perspective, not necessarily a committee decision. Their remarks may influence expectations, but do not set the mortgage rate a lender offers you.
Fed perspective
Cook, An Update on AI and the Economy
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Speech At the Oakland Tech Week Opening Keynote, cohosted by the Kapor Center, Oakland, California
Why It Matters to Rate Shoppers
This is a policymaker’s perspective, not necessarily a committee decision. Their remarks may influence expectations, but do not set the mortgage rate a lender offers you.
Monetary policy
Federal Reserve issues FOMC statement
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Federal Reserve issues FOMC statement
Why It Matters to Rate Shoppers
The Fed influences short-term rates. Mortgage rates also reflect longer-term bond and mortgage-backed-security markets; they do not move one-for-one with a Fed decision.
- FOMC
- The Federal Reserve committee that makes monetary-policy decisions.
Monetary policy
Federal Reserve Board and Federal Open Market Committee release economic projections from the September 15-16 FOMC meeting
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Federal Reserve Board and the Federal Reserve’s interest-rate committee release economic projections from the September 15-16 FOMC meeting
Why It Matters to Rate Shoppers
The Fed influences short-term rates. Mortgage rates also reflect longer-term bond and mortgage-backed-security markets; they do not move one-for-one with a Fed decision.
- FOMC
- The Federal Reserve committee that makes monetary-policy decisions.
Economic data
Personal Income and Outlays, July 2026
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Personal income increased $115.1 billion (0.4 percent at a monthly rate) in July, according to estimates released today by the U.S. Bureau of Economic Analysis (BEA).
Why It Matters to Rate Shoppers
Inflation reports can affect bond yields and mortgage pricing. The reaction depends on how the figures compare with expectations and what else is happening in markets.
- PCE
- Consumer spending. The PCE price index measures inflation associated with that spending.
Monetary policy
Minutes of the Board's discount rate meetings on July 20 and July 29, 2026
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Minutes of the Board's discount rate meetings on July 20 and July 29, 2026
Why It Matters to Rate Shoppers
The Fed influences short-term rates. Mortgage rates also reflect longer-term bond and mortgage-backed-security markets; they do not move one-for-one with a Fed decision.
Monetary policy
Minutes of the Federal Open Market Committee, July 28–29, 2026
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Minutes of the the Federal Reserve’s interest-rate committee, July 28–29, 2026
Why It Matters to Rate Shoppers
The Fed influences short-term rates. Mortgage rates also reflect longer-term bond and mortgage-backed-security markets; they do not move one-for-one with a Fed decision.
- FOMC
- The Federal Reserve committee that makes monetary-policy decisions.
Economic data
Personal Income and Outlays, June 2026
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Personal income increased $54.9 billion (0.2 percent at a monthly rate) in June, according to estimates released today by the U.S. Bureau of Economic Analysis (BEA).
Why It Matters to Rate Shoppers
Inflation reports can affect bond yields and mortgage pricing. The reaction depends on how the figures compare with expectations and what else is happening in markets.
- PCE
- Consumer spending. The PCE price index measures inflation associated with that spending.
Monetary policy
Federal Reserve issues FOMC statement
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Federal Reserve issues FOMC statement
Why It Matters to Rate Shoppers
The Fed influences short-term rates. Mortgage rates also reflect longer-term bond and mortgage-backed-security markets; they do not move one-for-one with a Fed decision.
- FOMC
- The Federal Reserve committee that makes monetary-policy decisions.
Your source desks
Read publisher commentary and the original data. These links open the publishers’ websites.
Mortgage News Daily ↗Freddie Mac mortgage survey ↗FHFA housing finance news ↗BLS inflation & jobs ↗Federal Reserve ↗BEA economic releases ↗Your Daily Briefing
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How This News Desk Is Updated
Quick takes condense the opening sentences supplied in publisher feeds and expand selected technical terms. Numbers and qualifiers remain tied to the source; these are not independently reported stories or personalized lock advice. Where no synopsis is supplied, only the headline is simplified and the limitation is shown. “Why It Matters” provides general educational context, not a prediction of the market reaction. Headlines and publication dates come from selected Federal Reserve, BEA and BLS RSS feeds. We show recent monetary-policy, economic-outlook, GDP, personal-income, inflation and employment releases, sorted newest first and linked directly to the source. Speeches represent their authors’ views.
Updates are checked when the site is used, with a 5-minute feed cache; publisher schedules vary. A failed check may retain previously retrieved items, which keep their original dates. Older releases are excluded after 90 days. We do not create new publication dates or present automated headlines as SLR reporting.
- Federal Reserve — available · checked 10/27/2026, 1:38:27 AM ET
- Federal Reserve — available · checked 10/27/2026, 1:38:27 AM ET
- Bureau of Economic Analysis — available · checked 10/27/2026, 1:38:27 AM ET
- Bureau of Labor Statistics — unavailable
- Bureau of Labor Statistics — unavailable
- Bureau of Labor Statistics — unavailable