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.
The source is temporarily slow. This page is showing a recent saved observation and labels its exact date.
U.S. mortgage rates
Up 3 basis points from Jul 15, 2026.
This number tracks locked conforming 30-year fixed mortgages across the United States. It is a national market average, while an individual lender quote depends on the borrower and loan details.
It is not a bank advertisement and it is not a personal final quote.
Source
Optimal Blue / FRED
Measure
Locked-loan average
Data through
Jul 16, 2026
Latest 90 published observations for 30-Year Fixed.
A crawlable record of the latest values, with each row compared with the prior valid observation.
High across 8 observations
6.586% · Jul 13, 2026
Low across 8 observations
6.499% · Jul 7, 2026
Net change since Jul 7, 2026
+7 bps
| Observation date | Rate | Change from prior observation |
|---|---|---|
| Jul 16, 2026 | 6.564% | +3 bps |
| Jul 15, 2026 | 6.535% | Unchanged |
| Jul 14, 2026 | 6.537% | −5 bps |
| Jul 13, 2026 | 6.586% | +8 bps |
| Jul 10, 2026 | 6.511% | −3 bps |
| Jul 9, 2026 | 6.542% | −3 bps |
| Jul 8, 2026 | 6.569% | +7 bps |
| Jul 7, 2026 | 6.499% | — |
Weekends, holidays, and missing observations are skipped. A basis point is 0.01 percentage point.
The mortgage is generally repaid over 30 years and the interest rate remains fixed for the loan term. The payment pattern differs from shorter-term mortgages because principal is spread over more years.
Lenders price credit score, down payment, loan amount, property type, lock period, points, and fees. This page reports an average of completed rate locks instead.
Optimal Blue lock data usually publishes on the next business day. The site checks the public source every 15 minutes and labels the actual data-through date.
Clear limits on what this number can tell you.
Not necessarily. It is a national average of completed locks, not an offer for a specific borrower or property.
It is a common U.S. home-loan product with broad market coverage, so it is often used to describe the overall mortgage-rate direction.