Today's Mortgage Interest Rates
Track 30-year fixed, 15-year fixed, and 5/1 ARM rates. Free charts, calculator, and state-level data.
Current Mortgage Rates
Rate Trends
Mortgage Rate Trends
Data from FRED (Federal Reserve Economic Data). Weekly average rates.
The most common home loan. See today's rate, history, and what it means for your payment.
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Mortgage Rates by State
Frequently Asked Questions
What is the current 30-year fixed mortgage rate?
The current national average 30-year fixed mortgage rate is shown in the rate card above, updated weekly from FRED (Freddie Mac Primary Mortgage Market Survey). Rates vary by lender, credit score, and location.
How often do mortgage rates change?
Mortgage rates change daily based on bond market activity, but the Freddie Mac survey publishes weekly averages every Thursday. Our data reflects these weekly snapshots.
Should I lock my mortgage rate today?
Rate lock decisions depend on your closing timeline and risk tolerance. If rates are favorable and you are within 30-60 days of closing, locking may provide certainty. Consult with your lender.
What is the difference between APR and interest rate?
The interest rate is the cost of borrowing the principal. APR (Annual Percentage Rate) includes the interest rate plus fees, points, and other costs, giving a more complete picture of the loan cost.
How does my credit score affect my mortgage rate?
Borrowers with higher credit scores (740+) typically qualify for rates 0.5-1.5% lower than those with scores below 640. See our credit score guide for a detailed breakdown.
MortgageRateWatch provides informational data only. Not financial advice. Consult a licensed mortgage professional before making decisions.