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What are today's average mortgage rates?

Mortgage rate pressure is higher to start the day after the 10-year Treasury yield came in at 4.708%, up 0.067 percentage points from 4.641% yesterday, or 6.7 basis points. Freddie Mac’s weekly 30-year benchmark most recently came in at 6.67%. That Treasury move is meaningful enough to point to renewed upward pressure on consumer mortgage rates today.

The move higher in yields didn’t come with a broad risk-on push: the Dow fell 0.20%, the S&P 500 fell 0.17%, and the Nasdaq fell 0.28%, while gold rose $24.6 to $4,454.6 an ounce. WTI crude also climbed to $82.25 per barrel, and CNN’s Fear & Greed Index came in at 65.0, down from 66.7. That mixed backdrop suggests rates are being pushed by bond-market selling more than by a clean swing into investor optimism.

The next big tests are close. Housing Starts and Permits are due Tuesday at 8:30 a.m. ET, MBA mortgage applications arrive Wednesday at 7:00 a.m. ET, FOMC minutes land Wednesday at 2:00 p.m. ET, and jobless claims follow Thursday at 8:30 a.m. ET. For borrowers, that means today’s upward pressure could shift quickly, so locking strategy may depend on how this week’s housing and Fed signals come in.

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 fixed6.694% 6.755% -0.02
Conventional 20-year fixed
Conventional 20-year fixed6.563% 6.662% +0.08
Conventional 15-year fixed
Conventional 15-year fixed6.065% 6.157% Unchanged
Conventional 10-year fixed
Conventional 10-year fixed6.015% 6.117% +0.04
30-year fixed FHA
30-year fixed FHA6.367% 6.414% +0.06
30-year fixed VA
30-year fixed VA6.405% 6.454% +0.05
5/1 ARM Conventional
5/1 ARM Conventional6.342% 6.26% +0.03
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