30Y 7.25% ▲.0315Y 6.67% ▲.02JUMBO 7.20% ▼.055/1 ARM 7.12% ▼.13FHA 7.12% ▼.01VA 6.82% ▼.0910Y UST 5.12% ▼.03
LIVE · October 21, 2026
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Mike Duong

Loan Officer · ESHL

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Today's Commentary — Tuesday, October 20

Oil Just Hit a Five-Month High. That’s Why Your Rate Isn’t Falling.

Crude oil jumped again Tuesday morning, and energy costs are the single biggest reason the 30-year fixed is sitting at 7.40% instead of in the sixes. Meanwhile, new government figures showed home bui…

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