Mortgage Rates Today

Mortgage Rates Daily

Mortgage News Daily (MND) publishes rate data using a proprietary survey method of a pool of mortgage lenders every day. The rates get updated everyday, making MND one of the most up-to-date publisher of baseline rates. Click on each loan type to see the trend. 

Mortgage Rates Today (by Loan Type)

The Optimal Blue Mortgage Market Indices™  utilize observed, real-time mortgage rate lock data from approximately 35% of the market on a daily basis. The data is presented for Conventional (conforming), FHA, Jumbo, and Veteran Affairs (VA) loans. The 30-year fixed rates are shown in % and their range over the past 30 days are displayed under.

Mortgage Rate Trend in 1 to 12 Months

Trend in data never lies! The trend in the 30-year fixed rates could help with forecasting its trajectory in upcoming months. These charts present the rates over various time interval between 1 to 12 months. Toggle the time-intervals to see the trend in recent months. The data is updated daily from the Optimal Blue Mortgage Market Indices™  utilizing data from approximately 35% of the mortgage rate transactions. 

Mortgage Rates Based on Credit Score and Down-Payment

Your credit score and your loan down payment are two important factors that directly impact the rate you will qualify for. The bar-chart shows the daily rates based on FICO credit score and your Loan-To-Value (LTV) ratio. a 10% down payment results in an LTV of 90%. As shown in the chart, 80% LTV is the threshold for a step-change in rates. Source: Optimal Blue

US 30-Year Fixed Rate Mortgage

Freddie Mac, the second largest buyer of home mortgages in the US (Fannie Mae being the largest) publishes average 30-year fixed-rate based on actual applications from lenders across the country that are submitted to Freddie Mac when a borrower applies for a mortgage. Toggle the time-intervals to see the trend in recent months.

US 30-Year Fixed Rate Mortgage by MBA

Mortgage Bankers Association (MBA) of America is an organization that monitors mortgage activities on a weekly basis. The rate displayed is the average 30-year fixed mortgages measured during the reported week.

How Loan Rates Work?!

It is crucial to know that your specific rate could be affected by a number of factors, such as:

Therefore, your actual rate may be different from the national averages. I recommend contacting me to get a rate quote that tailors to your loan situation. 

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