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What are today's average mortgage rates?

Mortgage rates face upward pressure today after the 10-year Treasury yield came in at 4.386%, up 5.2 basis points from 4.334%. That is a meaningful move in the benchmark that often guides mortgage pricing, even with Freddie Mac’s latest 30-year average at 6.37%.

Oil added to the pressure, with WTI crude climbing $3.90 to $95.11 a barrel, while gold fell $31.2 to $4,719.4 and CNN’s Fear & Greed Index slipped to 66.8 from 68.6. With energy prices jumping and risk signals mixed, inflation worries and rate volatility are staying in focus for borrowers.

Next up, markets will be watching Factory Orders and John Williams on Sunday, then New Home Sales, the ISM Services Index and Michelle Bowman on Monday. Those reports and Fed remarks could be the next catalysts for mortgage rate swings, so borrowers may want to keep a close eye on lender pricing today and into the next session.

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

Find your lowest rate. Start here
ProgramMortgage RateAPR*Change
Conventional 30-year fixed
Conventional 30-year fixed6.466% 6.533% -0.01
Conventional 20-year fixed
Conventional 20-year fixed6.324% 6.398% -0.02
Conventional 15-year fixed
Conventional 15-year fixed5.798% 5.901% +0.02
Conventional 10-year fixed
Conventional 10-year fixed5.913% 5.99% +0.21
30-year fixed FHA
30-year fixed FHA5.998% 6.059% -0.31
30-year fixed VA
30-year fixed VA6.343% 6.385% -0.13
5/1 ARM Conventional
5/1 ARM Conventional5.675% 6.158% Unchanged
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: http://www.freddiemac.com/research/insight/20180417_consumers_leaving_money.page
1. Source: Freddie Mac
2. Advertising disclosure: we receive advertising revenue from some partners.

Mortgage and refinance rates by state