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Just looked back at the October 2022 mortgage rates and realized how much has shifted since then. Back in mid-October that year, the average 30-year fixed was sitting at 7.20%, which felt pretty high at the time. The 15-year option was at 6.40% if you wanted to pay it off faster.
For context on those October 2022 mortgage rates, a $100,000 loan at 7.20% would've run you about $679 monthly in principal and interest. Over 30 years, you'd be looking at roughly $144,000 in total interest. The 15-year was steeper monthly at $866 per $100,000, but you'd only pay around $55,800 in interest total.
What's interesting is the APR was slightly higher than the base rate - 7.21% APR on the 30-year compared to 7.20% rate, since APR factors in lender fees. That's why comparing APR across lenders actually matters more than just looking at the headline rate.
Jumbo mortgages in October 2022 were running about 7.21%, and if you wanted to go with an ARM, the 5/1 option was at 5.45% - lower initial rate but it adjusts after five years. Pretty wild to see how those October 2022 mortgage rates compare to what we're seeing now in 2026.