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What are today's average mortgage rates?

Mortgage borrowers should brace for slightly worse pricing today: the 10-year Treasury yield came in at 4.814%, up 3 basis points from 4.784%, and WTI crude came in at $95.72 a barrel, up $1.76 from $93.96. That tougher market setup contrasts with mixed consumer-rate coverage, with one headline saying 30-year and 15-year rates fell, another saying rates showed very little movement, and a third saying fixed rates inched upward. The market signal still points to modest upward pressure on mortgage rates today.

Investors also moved risk-off, with the Dow down 1.18%, the S&P 500 down 0.58%, the Nasdaq down 0.32%, and CNN’s Fear & Greed Index falling to 39.5 from 41.9, while gold rose to $4,440.20 from $4,432.80. That kind of defensive trading can help bonds, but the 10-year yield still rose 3 basis points, which matters more for mortgage pricing.

On the calendar, MBA mortgage applications are due this morning, while tomorrow brings jobless claims and PPI at 8:30 a.m. ET and existing home sales at 10 a.m. Those reports are more likely than today’s data to shift rate sheets, so borrowers may want to watch for a clearer move after Thursday’s releases.

Although rates have elevated from recent lows, see if refinancing makes sense or tapping home equity is prudent. For home buyers, explore expert advice for 2026 and check if you qualify for financial assistance programs or more flexible loan options.

Current mortgage and refinance rates

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ProgramMortgage RateAPR*Change
Conventional 30-year fixed
Conventional 30-year fixed6.83% 6.895% -0.06
Conventional 20-year fixed
Conventional 20-year fixed6.76% 6.868% -0.12
Conventional 15-year fixed
Conventional 15-year fixed6.23% 6.33% -0.06
Conventional 10-year fixed
Conventional 10-year fixed6.15% 6.263% -0.18
30-year fixed FHA
30-year fixed FHA6.554% 6.604% +0.06
30-year fixed VA
30-year fixed VA6.572% 6.632% +0.02
5/1 ARM Conventional
5/1 ARM Conventional5.928% 6.478% +0.33
Rates are provided by our partner network, and may not reflect the market. Your rate might be different. Click here for a personalized rate quote. See our rate assumptions See our rate assumptions here.

What’s a mortgage rate?

A mortgage rate is the rate of interest charged by a mortgage lender. Mortgage rates can be either fixed (it stays the same for the term of the loan) or variable (the rate will adjust at some point during the term of the loan). Mortgage rates are determined by the lender and can vary depending on your unique situation — your credit score, loan term, and downpayment can all affect your mortgage rate.1

Why compare mortgage rates?

The more lenders you compare when shopping for mortgage rates, the more likely you are to get the lowest interest rate available for you. Getting a lower interest rate could save you hundreds of dollars over a year of mortgage payments — and thousands of dollars over the life of the loan. Yes, it definitely pays to shop around.2

* Source: https://www.freddiemac.com/research/insight/20230216-when-rates-are-higher-borrowers-who-shop-around-save
1. Source: Freddie Mac
2. Advertising disclosure: we receive advertising revenue from some partners.

Mortgage and refinance rates by state