Mortgage and refinance interest rates today, Thursday, November 12, 2026: Mortgage rates rise as Fed suggests higher rates ahead
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Today, Thursday, November 12, 2026, the 30-year fixed purchase rate is 7.09%, up 11 basis points from yesterday and 5 basis points since last week. The 15-year fixed purchase rate is 6.87%, up 12 basis points compared to yesterday and 15 basis points since last week. The 5/1 ARM
Directly affected
- No company is named in this report.
Indirectly affected
- TLT iShares 20+ Year Treasury Bond ETF+0.2% 17d
iShares 20+ Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “fed” (US interest rates) in this story.
- IEF iShares 7-10 Year Treasury Bond ETF+0.1% 17d
iShares 7-10 Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “fed” (US interest rates) in this story.
- XLRE Real Estate Select Sector SPDR+5.0% 30d
Real Estate Select Sector SPDR: it holds property and homebuilding stocks. Linked by “mortgage” (real estate) in this story.
- JPM JPMorgan Chase-1.4% 30d
JPMorgan Chase (national commercial banks): rate changes move lenders' margins and borrowers' demand. Linked by “fed” (US interest rates) in this story.
- BAC Bank of America-12.4% 30d
Bank of America (national commercial banks): rate changes move lenders' margins and borrowers' demand. Linked by “fed” (US interest rates) in this story.
- DHI D.R. Horton+4.2% 30d
D.R. Horton (operative builders): rate changes move lenders' margins and borrowers' demand. Linked by “fed” (US interest rates) in this story.
- SCHW The Charles Schwab
The Charles Schwab (security brokers, dealers and flotation companies): rate changes move lenders' margins and borrowers' demand. Linked by “fed” (US interest rates) in this story.
- PLD Prologis-3.0% 30d
Prologis (real estate investment trusts): housing and property firms move with mortgage rates and demand. Linked by “mortgage” (real estate) in this story.
Price reaction, T-5 to T+3
| Ticker | T-5 | T-3 | T-1 | T0 | T+1 | T+2 | T+3 |
|---|---|---|---|---|---|---|---|
| TLT | +1.21% | +1.27% | base | -1.49% | after close | after close | after close |
| IEF | +1.16% | +0.95% | base | -0.70% | after close | after close | after close |
| XLRE | -0.63% | +0.16% | base | -0.53% | after close | after close | after close |
| JPM | -1.72% | -0.42% | base | -0.17% | after close | after close | after close |
| BAC | -1.69% | -0.16% | base | -0.24% | after close | after close | after close |
| DHI | +6.90% | +5.54% | base | -2.07% | after close | after close | after close |
| SCHW | -0.19% | -0.05% | base | -1.12% | after close | after close | after close |
| PLD | -1.13% | +0.39% | base | -1.12% | after close | after close | after close |
Closing-price change versus T-1, the last close before the story. T0 to T+3 fill in after each market close. Prices: Alpaca IEX.
Mortgage and refinance interest rates today, Thursday, November 12, 2026: Mortgage rates rise as Fed suggests higher rates ahead Yahoo Finance
Source: Yahoo Finance
The price since 12 Nov 2026: Ishares Tr (TLT) versus the S&P 500
| Company | When | Move | Status |
|---|---|---|---|
| Bank Of America (BAC) | that day | -0.24% | final price |
| Bank Of America (BAC) | three days earlier | -0.16% | final price |
| Bank Of America (BAC) | five days earlier | -1.69% | final price |
| Horton D R (DHI) | that day | -2.07% | final price |
| Horton D R (DHI) | three days earlier | +5.54% | final price |
| Horton D R (DHI) | five days earlier | +6.90% | final price |
| Ishares Tr (IEF) | that day | -0.70% | final price |
| Ishares Tr (IEF) | three days earlier | +0.95% | final price |
| Ishares Tr (IEF) | five days earlier | +1.16% | final price |
| Jpmorgan Chase (JPM) | that day | -0.17% | final price |
| Jpmorgan Chase (JPM) | three days earlier | -0.42% | final price |
| Jpmorgan Chase (JPM) | five days earlier | -1.72% | final price |
| Prologis (PLD) | that day | -1.12% | final price |
| Prologis (PLD) | three days earlier | +0.39% | final price |
| Prologis (PLD) | five days earlier | -1.13% | final price |
| Schwab Charles (SCHW) | that day | -1.12% | final price |
| Schwab Charles (SCHW) | three days earlier | -0.05% | final price |
| Schwab Charles (SCHW) | five days earlier | -0.19% | final price |
| Ishares Tr (TLT) | that day | -1.49% | final price |
| Ishares Tr (TLT) | three days earlier | +1.27% | final price |
| Ishares Tr (TLT) | five days earlier | +1.21% | final price |
| Select Sector Spdr Tr (XLRE) | that day | -0.53% | final price |
| Select Sector Spdr Tr (XLRE) | three days earlier | +0.16% | final price |
| Select Sector Spdr Tr (XLRE) | five days earlier | -0.63% | final price |
Trades by members of Congress and officials in the stocks in this story
- Sen. John Boozman bought Ishares Tr (IEF) (jointly held), worth $1,001 - $15,000 on 9 Sep 2026. That is 64 days before publication. Filed 21 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Jpmorgan Chase (JPM) (held by a dependent child), worth $1,001 - $15,000 on 15 Oct 2026. That is 28 days before publication. Filed 5 Nov 2026. View the filing.
- Rep. Rohit Khanna bought Jpmorgan Chase (JPM) (held by a spouse), worth $100,001 - $250,000 on 8 Oct 2026. That is 35 days before publication. Filed 5 Nov 2026. View the filing.
- Sen. Sheldon Whitehouse sold Jpmorgan Chase (JPM) (held by a spouse), worth $15,001 - $50,000 on 4 Sep 2026. That is 69 days before publication. Filed 1 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Bank Of America (BAC) (held by a spouse), worth $1,001 - $15,000 on 20 Oct 2026. That is 23 days before publication. Filed 5 Nov 2026. View the filing.
- Rep. Rohit Khanna sold Bank Of America (BAC) (held by a dependent child), worth $1,001 - $15,000 on 13 Oct 2026. That is 30 days before publication. Filed 5 Nov 2026. View the filing.
- Rep. Rohit Khanna sold Bank Of America (BAC) (held by a spouse), worth $1,001 - $15,000 on 9 Sep 2026. That is 64 days before publication. Filed 7 Oct 2026. View the filing.
- Donald J Trump, an executive branch official, bought Horton D R (DHI), worth $15,001 - $50,000 on 17 Aug 2026. That is 87 days before publication. Filed 8 Oct 2026. View the filing.
- Rep. David J. Taylor bought Prologis (PLD), worth $1,001 - $15,000 on 15 Oct 2026. That is 28 days before publication. Filed 29 Oct 2026. View the filing.
- Rep. Rohit Khanna sold Prologis (PLD) (held by a spouse), worth $1,001 - $15,000 on 25 Sep 2026. That is 48 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna sold Prologis (PLD) (held by a dependent child), worth $15,001 - $50,000 on 11 Sep 2026. That is 62 days before publication. Filed 7 Oct 2026. View the filing.
Public disclosure filings, not a recommendation. The filing link is the source document. News use of these reports still sits under 5 U.S.C. § 13107(c).
Who gains and who loses around Ishares Tr (TLT)
Companies carried with this story
- TLT Ishares Tr
Ishares Tr (TLT) is linked, with no stored direction, medium confidence in the 12 Nov 2026 story “Mortgage and refinance interest rates today, Thursday, November 12, 2026: Mortgage rates rise as Fed suggests higher rates ahead.” Reason on file: iShares 20+ Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “fed” (US interest rates) in this story
- IEF Ishares Tr
For “Mortgage and refinance interest rates today, Thursday, November 12, 2026: Mortgage rates rise as Fed suggests higher rates ahead,” Ishares Tr (IEF) is linked, with no stored direction, medium confidence. Reason on file: iShares 7-10 Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “fed” (US interest rates) in this story
- XLRE Select Sector Spdr Tr
Select Sector Spdr Tr (XLRE) is linked, with no stored direction, medium confidence in the 12 Nov 2026 story “Mortgage and refinance interest rates today, Thursday, November 12, 2026: Mortgage rates rise as Fed suggests higher rates ahead.” Reason on file: Real Estate Select Sector SPDR: it holds property and homebuilding stocks. Linked by “mortgage” (real estate) in this story
- JPM Jpmorgan Chase
In “Mortgage and refinance interest rates today, Thursday, November 12, 2026: Mortgage rates rise as Fed suggests higher rates ahead,” Jpmorgan Chase (JPM) is linked, with no stored direction, medium confidence. Reason on file: JPMorgan Chase (national commercial banks): rate changes move lenders' margins and borrowers' demand. Linked by “fed” (US interest rates) in this story
- BAC Bank Of America
Bank Of America (BAC) is linked, with no stored direction, medium confidence in the 12 Nov 2026 story “Mortgage and refinance interest rates today, Thursday, November 12, 2026: Mortgage rates rise as Fed suggests higher rates ahead.” Reason on file: Bank of America (national commercial banks): rate changes move lenders' margins and borrowers' demand. Linked by “fed” (US interest rates) in this story
- DHI Horton D R
In “Mortgage and refinance interest rates today, Thursday, November 12, 2026: Mortgage rates rise as Fed suggests higher rates ahead,” Horton D R (DHI) is linked, with no stored direction, medium confidence. Reason on file: D.R. Horton (operative builders): rate changes move lenders' margins and borrowers' demand. Linked by “fed” (US interest rates) in this story
- SCHW Schwab Charles
For “Mortgage and refinance interest rates today, Thursday, November 12, 2026: Mortgage rates rise as Fed suggests higher rates ahead,” Schwab Charles (SCHW) is linked, with no stored direction, medium confidence. Reason on file: The Charles Schwab (security brokers, dealers and flotation companies): rate changes move lenders' margins and borrowers' demand. Linked by “fed” (US interest rates) in this story
- PLD Prologis
For “Mortgage and refinance interest rates today, Thursday, November 12, 2026: Mortgage rates rise as Fed suggests higher rates ahead,” Prologis (PLD) is linked, with no stored direction, medium confidence. Reason on file: Prologis (real estate investment trusts): housing and property firms move with mortgage rates and demand. Linked by “mortgage” (real estate) in this story
Ishares Tr (TLT)
The 12 Nov 2026 story “Mortgage and refinance interest rates today, Thursday, November 12, 2026: Mortgage rates rise as Fed suggests higher rates ahead” names Ishares Tr (TLT) because of this story.
Ishares Tr (TLT) is on the page because iShares 20+ Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “fed” (US interest rates) in this story
A second company, Ishares Tr (IEF), is listed for a different reason: iShares 7-10 Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “fed” (US interest rates) in this story
Dates in the story, and the Ishares Tr (TLT) price range
IEF traded between 88.64 and 90.69 across 15 sessions. The latest close on file is 90.08. TLT traded between 76.44 and 80.56 across 15 sessions. The latest close on file is 79.46. XLRE traded between 40.28 and 43.70 across 20 sessions. The latest close on file is 43.64.
How strong the case is around Ishares Tr (TLT)
46 out of 100
“Mortgage and refinance interest rates today, Thursday, November 12, 2026: Mortgage rates rise as Fed suggests higher rates ahead” scores 46 out of 100. The score uses 1 sources, and 8 linked companies.