Insights / Daily Rate Update — November 5, 2026
November 5, 2026
Daily Rate Update — November 5, 2026
Today's 10-Year Treasury yield is 4.95% and Freddie Mac's 30-year fixed PMMS is 7.24%. Below: the rate snapshot plus the three finance headlines moving the macro picture today.
Today's Rate Snapshot
- 10-Year Treasury Yield: 4.95% (as of 2026-11-03)
- 30-Year Fixed Mortgage (Freddie Mac PMMS): 7.24% (as of 2026-10-29)
Mortgage rates are not the same as the 10-Year Treasury yield, but they generally track its direction. Personal scenario rates can vary based on credit, LTV, occupancy, and product.
Today's Finance Headlines
Mortgage Rates Fall Back Under 7.25%
Mortgage News Daily · Mortgage Market
30yr fixed rates moved over 7.25% on September 23rd, 2026 and continued to long-term highs of 7.61% by early October. But starting in mid October, rates began declining as the market grew increasingly concerned about the tech sector. Until today 7.27% marked the floor of the present rally. Now the floor is lower. Rates began the day moderately lower with an average top-tier 30yr fixed rate of 7.25%. Reasons can be debated, but may include: Investors coming off the sidelines after mid-term electi
VantageScore 4.0 can create more homebuyers. Now America needs more homes.
HousingWire · Industry
FHFA approved VantageScore 4.0 in 2022, and GSE lenders gained broad access in September
AI Strategy, SaaS, HELOC, Non-QM Products; Webinars; Capital Markets React to Election Results
Mortgage News Daily · Mortgage Market
Yes, there was/is an election which is certainly a discussion topic here in Dallas, but regardless of the results, many people who don’t own homes want to buy one, and people who do may be facing life changes and could use personal advice. Here’s a trend: Homeowners who won’t give up a 3 percent mortgage are becoming landlords instead. Do you have a product (and underwriting) to help them at every stage? Another reason for personal consulting with borrowers: A fixed-rate mortgage may remain stab
The "What this means for borrowers" notes above are AI-generated and reviewed for compliance — they describe macro context, never make recommendations or forecasts. Not personal financial advice. Talk to Jesse Gonzalez, NMLS #278103, for your specific situation.