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Today's Mortgage Rates
Live national average mortgage rates by loan type, updated daily, plus what the surveys mean and how rates move.
Today's mortgage rates · updated daily
Rates shown are daily national averages published by Mortgage News Daily and are provided for general informational purposes only. They are not a rate quote, an offer, or a commitment to lend. Your actual interest rate and APR depend on your credit, loan amount, down payment, property type, occupancy, and other factors, and rates change daily. Not all applicants will qualify.
Live national averages from Mortgage News Daily. Not a quote, rate lock, or offer. Your actual rate depends on your credit, loan type, down payment, location, and other factors and will differ.
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The three rate surveys
You will see different average rates from different sources, and all can be right at once:
- Mortgage News Daily: a daily index that updates each afternoon, so it reflects the market fastest.
- Freddie Mac: a weekly survey published Thursdays, smoother and slightly lagged.
- Mortgage Bankers Association: a weekly survey that also reports points.
Why your rate will differ from the average
Averages assume a strong borrower profile. Your quote depends on your credit score, loan type, down payment, loan amount, property type, and the points you choose. Use the average as a starting point, then run the calculator with your own quoted rate.
What moves rates
Mortgage rates track the bond market. Inflation, the economy, and Federal Reserve policy push bond prices up or down, and rates follow. Read the full explainer.
Important disclosures. LoanFitCalc is a free educational tool that provides estimates only. It is not a loan, a loan approval, a commitment to lend, a rate lock, or an offer to make a loan, and it does not provide financial, legal, or tax advice or recommend a specific loan for you. Mortgage insurance rates, funding and guarantee fees, loan limits, taxes, and insurance figures are typical published values used for estimation and are subject to change. Program eligibility rules are summarized and simplified. Actual terms depend on your full application, credit, property, and lender underwriting. Consult a licensed mortgage loan originator before making any decision. LoanFitCalc is an independent educational website and is not a lender. ⌂ Equal Housing Opportunity
