Today’s rates
Average rates from our panel of 40+ lenders, checked every weekday at 9:00 AM ET. Your own rate depends on your credit, down payment and loan size.
Updated Oct 10, 2026 at 9:00 AM ET
Loan
Change
Rates are averages from our lender panel for the borrower described in the fine print below. Points are optional fees paid at closing to lower the rate. Tap a row to see the loan.
Where rates are heading
Twelve weeks of the 30 year fixed.
Rates move with the bond market. Here is the trend, so you can decide whether to lock today or wait.
30 year fixed · Oct 8
Down 0.36 since July
This week
Oct 8
The 30 year fixed fell for the fifth week in a row, to 6.12%.
Oct 6
Softer inflation data pushed bond yields lower, and mortgage rates followed.
Sep 30
Refinance requests rose 18% once rates dipped below 6.25%.
Read a quote
Rate, APR and points.
Three numbers sit on every loan quote. Here is what each one means for you.
01 · Rate
6.12%
The interest you pay on what you still owe. It sets your monthly payment.
02 · APR
6.24%
The rate plus lender fees, spread over the loan. Use it to compare offers side by side.
03 · Points
0.6
Optional fees paid at closing to buy your rate down. One point costs 1% of the loan.
How we set these rates
The fine print, in plain words.
Credit score of 740 or higher
20% down on purchases, 80% of home value on refinances
$400,000 loan on a single-family home you live in
45-day rate lock, with the average points shown
Personal, auto and business rates for a 720 score
Rates change daily and are not an offer to lend
Rate alert
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