About
About US Mortgage Rate Watch
US Mortgage Rate Watch is an independently maintained information site. It brings the value, date, source, and definition of public mortgage-rate datasets into one readable place instead of presenting a market average as a personal quote.
What the site provides
The dashboard tracks locked 30-year fixed, 15-year fixed, jumbo, FHA, and VA averages, along with Freddie Mac weekly averages and the 10-year Treasury for context. Every series keeps its own observation date, so an older release is not relabeled as a new rate today.
How the data and explanations are produced
Software checks public sources from FRED, Freddie Mac, ICE Optimal Blue, and the Federal Reserve on a defined schedule. It skips weekends, holidays, and missing values, then compares the newest valid observation with the prior valid observation. The site writes explanations around those definitions and never invents or estimates a mortgage rate that is absent from the source.
Why transparency matters
Mortgage information can affect household finances. The site separates the page-check time, source observation date, and meaning of each number, and it links back to original records. If a source revises a value, the original publisher controls and the site reflects available corrections on a later refresh.
Independence and advertising
This site is not a bank, lender, broker, or financial adviser and does not sell a ranking of "best" lenders. It may display third-party ads through Google AdSense, but advertising does not change data sources, calculations, or page conclusions. An advertiser's offer is not a quote from this site.
Information limits
The site provides general information, not mortgage, investment, legal, tax, home-buying, or rate-lock advice. A personal rate can change with credit score, down payment, loan amount, property, location, lock period, points, and fees. Formal lender documents control any actual transaction.
Read thedata methodologyandsource update schedulefor more detail.