Checking today's mortgage rates
If the public data feed is slow, the page will show the most recent saved data and make the date clear.
Start here today
Compared with Jul 15, 2026, up 0.03 percentage points.
This data is current through Jul 16, 2026.
Source
Optimal Blue / FRED
How to read it
Market reference
Data through
Jul 16, 2026
Use this as a national market reference: it comes from mortgages that were already locked. It is not a bank advertisement and it is not your personal final quote.
If the number has not changed in the morning, the public source probably has not published yet. Bank quotes usually appear in the morning, and some lenders may reprice around midday or afternoon if the bond market moves sharply.
Read the move
This figure is based on locked mortgage transactions. It is useful for seeing whether the national mortgage market is moving up, down, or mostly sideways.
Source: Optimal Blue Mortgage Market Indices, published through FRED.
It is not a live intraday bank quote.
Bank quotes usually come out in the morning and may change during the day.
Your own quote depends on credit score, down payment, loan size, points, and fees.
This site provides data only. It does not give loan or rate-lock advice.
Every dataset keeps a source link so you can check it yourself.
The cards below show different loan types. Your actual lockable rate can be different because lenders price by borrower profile, loan amount, points, and fees.
National market reference
6.564%
Compared with Jul 15, 2026, up 0.03 percentage points
Data through Jul 16, 2026
Read the full explanationNational market reference
5.894%
Compared with Jul 15, 2026, down 0.03 percentage points
Data through Jul 16, 2026
Read the full explanationNational market reference
6.628%
Compared with Jul 15, 2026, up 0.09 percentage points
Data through Jul 16, 2026
Read the full explanationNational market reference
6.390%
Compared with Jul 15, 2026, up 0.11 percentage points
Data through Jul 16, 2026
Read the full explanationNational market reference
6.203%
Compared with Jul 15, 2026, up 0.03 percentage points
Data through Jul 16, 2026
Read the full explanationThese three Eastern Time windows match how many lenders update pricing.
10:45 AM ET
Most banks and lenders publish the first rate sheet in the morning. This is a practical time to see whether pricing is better than your current 6.50% reference point.
1:45 PM ET
If the 10-year Treasury or mortgage-backed securities move sharply, some lenders may change pricing around midday or early afternoon.
4:45 PM ET
Use the afternoon Treasury move and any newly published public data to see whether the day was generally better or worse.
"Data through" means the latest date published by the public source. Same-day lender quotes may react to markets earlier than public indices.
Locked mortgage rates, official weekly averages, and the 10-year Treasury.
Each number shows its source and measurement method.
Locked-rate averages
Optimal Blue mortgage lock records, published through FRED
These numbers come from loans that have already been locked. They are closer to market activity than an advertised bank rate, but they are not a personal quote.
Official weekly averages
Freddie Mac Primary Mortgage Market Survey
Published once a week. It is slower than daily lock data, but useful for reading the national trend.
Market backdrop
10-year U.S. Treasury yield from FRED
This is not a mortgage rate, but it is one of the cleanest public signals for the rate environment.
Bank quote timing
Daily lender rate sheets
Most lenders publish a first rate sheet in the morning. If the bond market moves sharply, some lenders may reprice around midday or in the afternoon.
The site reads public data automatically, but each source updates at a different time.
Locked-rate averages
30-year fixed, 15-year fixed, jumbo, FHA, and VA
Same-day bank quotes
Rates shown by banks, mortgage lenders, and loan officers
Official weekly averages
Freddie Mac 30-year and 15-year fixed mortgage averages
10-year Treasury
Rate environment signal
Each number is compared only with its own previous observation.
| Name | Rate | Change | Data through | Frequency | Source |
|---|---|---|---|---|---|
U.S. 30-Year Fixed Mortgage National market reference | 6.564% | Up 0.03 percentage points | Jul 16, 2026 | Daily | View |
U.S. 15-Year Fixed Mortgage National market reference | 5.894% | Down 0.03 percentage points | Jul 16, 2026 | Daily | View |
30-Year Fixed Jumbo Mortgage National market reference | 6.628% | Up 0.09 percentage points | Jul 16, 2026 | Daily | View |
30-Year Fixed FHA Mortgage National market reference | 6.390% | Up 0.11 percentage points | Jul 16, 2026 | Daily | View |
30-Year Fixed VA Mortgage National market reference | 6.203% | Up 0.03 percentage points | Jul 16, 2026 | Daily | View |
Official Weekly Average: 30-Year Fixed Official weekly average | 6.550% | Up 0.06 percentage points | Jul 16, 2026 | Weekly | View |
Official Weekly Average: 15-Year Fixed Official weekly average | 5.930% | Up 0.11 percentage points | Jul 16, 2026 | Weekly | View |
10-Year U.S. Treasury Market signal | 4.550% | Down 0.03 percentage points | Jul 15, 2026 | Daily | View |
Plain explanations for words buyers see all the time.
The interest percentage you usually see first, such as 6.500%. It does not include every cost of the loan.
The annualized cost after certain loan fees are included. It can be more useful than the rate alone when comparing offers.
An upfront fee paid to lower the mortgage rate. One point usually equals 1% of the loan amount.
A lender agreement that keeps a quoted rate available for a set period. The written lock confirmation matters.
A mortgage above the conforming loan limit. Jumbo pricing can move differently from ordinary conforming loans.
Not a mortgage rate, but often a useful signal for the pressure facing mortgage rates.
The rate stays the same through the loan term. In the U.S., 30-year fixed and 15-year fixed loans are the most common.
A loan backed by the Federal Housing Administration, often used by buyers with lower down payments or shorter credit histories.
A loan program for eligible service members, veterans, and qualifying family members.
The most useful parts of this dashboard.
See the latest rate, source date, trend, and a plain-English explanation.
See the latest rate, source date, trend, and a plain-English explanation.
See the latest rate, source date, trend, and a plain-English explanation.
See the latest rate, source date, trend, and a plain-English explanation.
See the latest rate, source date, trend, and a plain-English explanation.
Compare locked mortgage rates, weekly averages, and the 10-year Treasury.
See where each number comes from and when it usually updates.
Plain-English explanations for APR, points, rate locks, jumbo, FHA, and VA loans.