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When Is The Best Day of the Week to Lock In Your Mortgage Rate? Mortgage rates vary day by day, and even vary several times throughout the day. The most favorable days of the week to lock your mortgage would be on a Tuesday, Wednesday, or Thursday afternoon. Mondays can be too volatile, with lenders coming back into the office and deciphering any economic activity that may have occurred over the weekend. Conversely, Fridays are not favorable days to lock a rate, because some lenders tend to increase rates slightly on Fridays as they head into the weekend. Paul and Sandy always say, “Don’t marry the rate, marry the house, and just date the rate.” No one can anticipate the future, but you can always refinance later.
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