Mortgage Rate Trends

Current Mortgage Rate Trends

The 30-year fixed mortgage rate rose by 0.004 this week, pushing the current average to 6.447%. Borrowers shopping for a home loan this week are facing higher costs than last week, when the average stood at 6.443%.

The 15-year fixed rate — a popular choice for refinancing — eased this week to 6.079% from 6.092% last week. The spread between 30-year and 15-year rates currently stands at 0.369 percentage points.

These averages are calculated from 7,739 verified mortgage rate quotes collected across 1,406 lenders reporting from all 50 states — 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, large 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 across the country.

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 average mortgage rate data releases from MonitorBankRates.com.

For Media, Researchers & Real Estate Professionals

The mortgage rate averages on this page are calculated from 7,739 verified mortgage rate quotes across 1,406 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 overall 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, large 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 across the country.

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.

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 7,739 current mortgage rates across our database of 1,406+ lenders — updated daily.

As of Jul 11, 2026 • Data provided by MonitorBankRates.com

Historical Mortgage Rate Trends

Long-term weekly mortgage rate history from Freddie Mac's Primary Mortgage Market Survey® (PMMS®). 30-year fixed rates available since April 1971; 15-year fixed since August 1991.

This chart uses a separate methodology from the trends chart above — PMMS reflects a survey of mortgage applications, while our trends data above reflects current rates from 1,406+ lenders.

Source: Freddie Mac, Primary Mortgage Market Survey® (PMMS®), retrieved from FRED, Federal Reserve Bank of St. Louis. On November 17, 2022, Freddie Mac changed PMMS methodology from a lender survey to LPA application data.

Complete State Trends Data