2026-09-14T00:00:00|6.968|0.023|6.274|0.035|6.725|-0.009|6.623|0.032||
Today's Mortgage Rates: All Loan Types
Compare current daily and weekly mortgage rates across all major loan types. Powered by Optimal Blue and Freddie Mac data via the Federal Reserve (FRED).
30-Year Fixed
6.968
Daily · Optimal Blue
15-Year Fixed
6.274
Daily · Optimal Blue
30-Year FHA
6.725
Daily · Optimal Blue
30-Year VA
6.623
Daily · Optimal Blue
Today's Daily Mortgage Rates
Updated every business day from the Optimal Blue Mortgage Market Indices (OBMMI) via FRED.
Conventional
30-Year Fixed
Conforming · Most popular
6.968%
6.968% 6.968
Conventional
15-Year Fixed
Conforming · Lower interest
6.274%
6.274%0.035
Conventional
30-Year Jumbo
Non-conforming > $766,550
0.05%
6.966% 0.05
Government
30-Year FHA
Federal Housing Administration
6.725%
6.725%-0.009
Government
30-Year VA
Veterans Affairs · Zero down
6.623%
6.623% 0.032
Daily vs. Weekly Rate Comparison
Compare the latest daily mortgage rates with the latest available weekly rate data.
| Type | Weekly | Daily | Diff |
|---|---|---|---|
| Loading latest rates… | |||
| As of | — | — | |
6.968|6.274||||2026-09-14T00:00:00||||||
Understanding Each Mortgage Rate Type
Not all mortgage rates are the same. Here's what each loan type means for your monthly payment and total cost.
30-Year Fixed Rate
The most popular mortgage in America. Your rate and monthly payment stay the same for 30 years.
6.968 · 0.023
15-Year Fixed Rate
Shorter term with lower rates but higher payments. Pay significantly less
total interest.
6.274 · 0.035
30-Year FHA Loan
Government-insured loans for first-time buyers. Down payments as low as 3.5% with 580+ credit.
6.725 · -0.009
30-Year VA Loan
For eligible veterans and active-duty. Zero down payment, no PMI, competitive rates.
6.623 0.032
Current Mortgage Rate Trends
Mortgage rates are influenced by Federal Reserve monetary policy, inflation data, employment reports, and global economic conditions. The rates on this page come from two authoritative sources: Optimal Blue OBMMI for daily rates and Freddie Mac PMMS for weekly averages — both via the Federal Reserve Economic Data (FRED) system.
Daily vs. Weekly Rates: What's the Difference?
Daily rates from Optimal Blue reflect real-time lending activity from actual mortgage locks nationwide, updating every business day. Weekly rates from Freddie Mac, published every Thursday, represent a broader survey widely cited by media and analysts. Both are valuable: daily rates for timing your lock, weekly rates for tracking trends.
How to Get the Best Mortgage Rate
These are national averages. Your rate depends on credit score (aim for 740+), down payment (20%+ avoids PMI on conventional), debt-to-income ratio, loan amount, property type, and lender. Comparing 3-5 lenders can save thousands over your loan's life.
When Should You Lock Your Rate?
If closing within 30-60 days and comfortable with today's rate, locking removes the risk of increases. Many lenders offer float-down options if rates drop after you lock.
Frequently Asked Questions
What is today's 30-year fixed mortgage rate?
The current daily 30-year fixed rate is 6.65% (Optimal Blue). The weekly Freddie Mac average is 6.66%. Your actual rate depends on credit score, down payment, and lender.
What is a good mortgage rate right now?
A "good" rate is at or below the national average. Rates below 6.65% for a 30-year fixed are competitive. Borrowers with 740+ credit and 20%+ down get the best rates.
What's the difference between daily and weekly rates?
Daily rates (Optimal Blue) track real-time mortgage locks, updating every business day. Weekly rates (Freddie Mac PMMS) are published Thursdays. Daily is best for lock timing; weekly for trend analysis.
How often do mortgage rates change?
Rates can change multiple times daily based on bond markets. Lenders set morning rates and may reprice mid-day. Optimal Blue updates daily; Freddie Mac publishes weekly on Thursdays.
Should I choose a fixed-rate or adjustable-rate mortgage?
Fixed-rate offers payment predictability — ideal for long-term stays. ARMs start lower for 5+ years then adjust — better if you plan to move or refinance within the initial period.
What is an FHA loan and who qualifies?
Government-insured loans for lower credit or smaller down payments. Qualify with 580+ credit and 3.5% down, or 500-579 with 10% down. Today's FHA rate: 6.43%.
Should I lock my mortgage rate today?
If closing within 30-60 days and comfortable with today's rate, locking eliminates rate-increase risk. Many lenders offer float-down options if rates drop after locking.
FRED-sourced data
Updated daily
No personal info required
Optimal Blue + Freddie Mac
Historical Rate Trends
Official Government Resources
Ready to Find Your Rate?
Get matched with the best mortgage rates available today.
No commitment, no impact on your credit score.
