Mortgage rate forecast: Week of Oct 26, 2026

Published 2026-10-26. Live grade. The Oct 26 forecast was built on an incorrect, stale baseline (it used 6.54% instead of the real 7.32% PMMS). We are keeping the miss on the record.

30-Year Fixed forecast

6.42%

Freddie Mac PMMS actual

7.24%

Error

82 bps

Result

MISS

Why we missed: this forecast started from 6.54%, a stale figure that didn’t match Freddie Mac’s actual 7.32% for Oct 22. The real PMMS on 2026-10-29 was 7.24%. We rebuilt the data feed from FRED and Freddie Mac and now publish the inputs and formula on Methodology.

Free Rate Update

Know where rates are heading before you lock.

✓ Monday forecast: 30-yr, 15-yr and 5/1 ARM
✓ Thursday scorecard vs. Freddie Mac PMMS
✓ Free. Double opt-in; unsubscribe anytime.