Rate updates
What rates have been doing.
Every rate update we've published, newest first. Each one carries the scenario it was priced against and the moment it was priced. For the trend rather than the individual days, see the rate history.
Today's rates
Priced October 20, 2026 at 10:45 AM EDT
- 30-year fixed7.125%Rate7.209%APR0.283Points
- 15-year fixed6.375%Rate6.491%APR0.202Points
- FHA 30-year fixed6.625%Rate7.480%APR0.157Points
Based on a $500,000 purchase with 20% down ($400,000 loan amount), credit score over 780, 30-day rate lock, primary residence, single family dwelling. Each rate shown is bought down with discount points paid at closing — one point is 1% of the loan amount. The points change daily with the market, and the APR beside each rate already includes them.
Get your custom quoteRates are subject to change without notice and are available only in North Carolina. This is not a guarantee of credit or an offer to lend. Your rate depends on your credit, the property and the loan you choose. Triangle Mortgage LLC, NMLS #1725415.
Archive
Mortgage rates for October 20, 2026
October 20, 2026: 7.125% (7.209% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 19, 2026
October 19, 2026: 7.125% (7.208% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 18, 2026
October 18, 2026: 6.990% (7.094% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 17, 2026
October 17, 2026: 6.990% (7.096% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 16, 2026
October 16, 2026: 6.990% (7.088% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 15, 2026
October 15, 2026: 6.990% (7.072% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 14, 2026
October 14, 2026: 7.250% (7.334% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 13, 2026
October 13, 2026: 7.125% (7.206% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 12, 2026
October 12, 2026: 7.125% (7.234% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 11, 2026
October 11, 2026: 7.125% (7.234% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 10, 2026
October 10, 2026: 7.125% (7.236% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 9, 2026
October 9, 2026: 7.125% (7.254% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 8, 2026
October 8, 2026: 7.250% (7.352% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 7, 2026
October 7, 2026: 7.250% (7.369% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
Mortgage rates for October 6, 2026
October 6, 2026: 7.250% (7.335% APR) on a 30-year fixed, for a $500,000 North Carolina purchase with 20% down.
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