Today's Mortgage
Interest Rates
Compare current mortgage rates across loan types. Live data from the Federal Reserve Economic Data (FRED) API.
Sunday, May 3, 2026
Popular Loan Types
Most commonly searched mortgage rates
All Mortgage Rate Types
Compare rates across conventional, government, and specialty loans
| Loan Type | Current Rate | Change | Est. Payment* | |
|---|---|---|---|---|
| 6.88% | -0.07% | $1,946/mo | Details | |
| 6.13% | -0.08% | $2,531/mo | Details | |
| 6.38% | 0.00% | $1,847/mo | Details | |
| 6.50% | -0.01% | $1,872/mo | Details | |
| 6.25% | -0.03% | $1,823/mo | Details | |
| 7.13% | -0.05% | $4,662/mo | Details | |
| 8.50% | -0.02% | Variable/mo | Details | |
| 6.75% | -0.03% | $1,921/mo | Details |
*Based on $300,000 loan amount. Actual payments vary by credit score, down payment, and lender.
Specialty & Equity Rates
Additional loan types for refinancing, jumbo loans, and home equity
What Drives Mortgage Rates?
Federal Reserve Policy
The Fed's monetary policy decisions on benchmark interest rates directly influence borrowing costs across the economy.
10-Year Treasury Yield
Mortgage rates closely track the 10-year Treasury. When bond prices rise, yields and mortgage rates tend to fall.
Inflation Expectations
Higher inflation expectations push lenders to charge more to maintain real returns, raising mortgage rates.
Your Credit Profile
Your credit score, DTI ratio, down payment size, and chosen loan type all affect the rate you personally qualify for.
How to Get the Best Rate
About This Data
Live rates are sourced from the Freddie Mac Primary Mortgage Market Survey (PMMS) via the Federal Reserve Economic Data (FRED) API. The PMMS surveys lenders nationwide each week and is the most widely cited source for average U.S. mortgage rates. Other rates shown are sample national averages. Actual rates depend on credit score, down payment, loan amount, property location, and lender.
Ready to Calculate Your Payment?
See exactly how today's rates affect your monthly mortgage payment, total interest, and home affordability.