National Mortgage Rate Trends

Current National Mortgage Rate Trends

The national 30-year fixed mortgage rate rose by 0.081 this week, pushing the current average to 6.455%. Borrowers shopping for a home loan this week are facing higher costs than last week, when the national average stood at 6.374%.

The 15-year fixed rate — a popular choice for refinancing — also moved higher this week, rising to 6.102% from 6.032% last week. Homeowners considering a shorter loan term will find the spread between 30-year and 15-year rates currently at 0.353 percentage points.

These averages are calculated from 15,162 verified mortgage rate quotes collected across 2,354 lenders reporting nationally — updated daily by MonitorBankRates.com's proprietary systems. Rates reflect what real licensed institutions are actually quoting to borrowers, not published rate sheet estimates or teaser rates.

Unlike rate comparison sites that show only a handful of lenders, MonitorBankRates maintains a continuously updated mortgage rate database spanning community banks, regional lenders, national institutions, and credit unions in every state. This scale allows us to calculate averages that reflect the full lending landscape — not just the most aggressive advertisers — giving borrowers, journalists, and real estate professionals a more accurate benchmark for where rates actually stand nationwide.

State-Level Rate Heatmap

Hover over a state to see its current average and weekly change. Click on any state to view its complete historical trend report and safest local lenders.

Weekly Mortgage Rate Reports

Weekly national average mortgage rate data releases from MonitorBankRates.com.

Weekly mortgage rate reports will appear here once published.

For Media, Researchers & Real Estate Professionals

The national mortgage rate averages on this page are calculated from our database of over 8,500 banks and credit unions actively operating across all 50 states. Our proprietary systems collect and verify mortgage rates daily — tracking what real licensed institutions are actually quoting to borrowers, not published rate sheet estimates. Every day we aggregate those individual data points into national averages that represent a true, real-market picture of what borrowers across the U.S. are being offered today.

Unlike rate comparison sites that show only a handful of lenders, MonitorBankRates maintains a continuously updated mortgage rate database spanning community banks, regional lenders, national institutions, and credit unions across all 50 states. This scale allows us to calculate averages that reflect the full lending landscape — not just the most aggressive advertisers — giving borrowers, journalists, and real estate professionals a more accurate benchmark for what rates actually look like nationwide.

Journalists, real estate professionals, and academic researchers are welcome to cite and reference this data for editorial, research, and educational purposes. Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/mortgage-loan-rates/trends/. For custom data pulls, contact us here.

National Mortgage Rate Trends

Daily average rates across all loan products. Hover over the chart to see exact rates for each day.

Weekly mortgage rate averages compiled from 15,162 current mortgage rates across our database of 2,354+ lenders — updated daily.

As of Apr 4, 2026 • Data provided by MonitorBankRates.com

Complete State Trends Data