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Today's mortgage rates.

Track national average mortgage rates updated daily. Compare loan types and see how rates have trended — then jump to the calculator to run your numbers.

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Rate trend — 30-yr Fixed
National average · Source: Mortgage News Daily / FRED

Historical data is approximated from FRED weekly averages. For actual historical data visit FRED or Mortgage News Daily.

All loan types — today's averages

Updated daily
Loan TypeRateAPR (est.)ChangeBest for

Rates are national averages for informational purposes. Your actual rate depends on credit score, down payment, and lender. Always compare multiple lenders.

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What affects your rate?
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Credit score760+ gets the best rates. Below 680 can add 1%+.
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Down payment20%+ typically earns a lower rate and eliminates PMI.
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Loan term15-year loans carry lower rates than 30-year.
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Property typeInvestment properties often have higher rates.
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LenderShopping 3-5 lenders can save you thousands.
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