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.
Source transparency
Every number keeps its source and observation date. The site checks for changes within a 15-minute cache window, but each publisher follows its own schedule. “Latest” means latest published by the source, not a live bank quote.
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.
Freddie Mac Primary Mortgage Market Survey
Published once a week. It is slower than daily lock data, but useful for reading the national trend.
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.
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 source date, not the page-check time, tells you how current a number is.
30-year fixed, 15-year fixed, jumbo, FHA, and VA
Rates shown by banks, mortgage lenders, and loan officers
Freddie Mac 30-year and 15-year fixed mortgage averages
Rate environment signal
Source links point to FRED, Freddie Mac, ICE, or the Federal Reserve.
Old observations are never labeled as a new same-day quote.
The site does not rank lenders or tell readers when to lock a rate.
FRED marks the relevant Optimal Blue and Freddie Mac series as “Copyrighted: Citation Required.” This site keeps the dataset names, source links, and attribution. It does not imply endorsement by FRED, the Federal Reserve, ICE, Optimal Blue, or Freddie Mac.
Read thedata methodologyandlegal disclaimerfor the detailed rules and limits.