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National Mortgage Rate Trends

Track the movements of mortgage rates across all 50 states. Compare state-by-state variations, view week over week averages charted, and identify where borrowing costs are shifting the fastest.

Current National 30-Year Fixed Average
6.272%
▲ 0.067 this week
As of Mar 23, 2026
Current National 15-Year Fixed Average
5.946%
▼ 0.015 this week
As of Mar 23, 2026

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📈 Free Dataset Tools Embed, download, social images & more. ← Shop Mortgage Rates Compare live offers from top lenders. Jump to State Map See rates heat-mapped across all 50 states. View State Reports Compare weekly changes by state. Request Custom Data Contact us for media data pulls.

Current National Mortgage Rate Trends

The national 30-year fixed mortgage rate rose by 0.067 this week, pushing the current average to 6.272%. Borrowers shopping for a home loan this week are facing higher costs than last week, when the national average stood at 6.205%.

The 15-year fixed rate — a popular choice for refinancing — eased this week to 5.946% from 5.962% last week. The spread between 30-year and 15-year rates currently stands at 0.325 percentage points.

The national mortgage rate averages displayed on this page are calculated from our database of over 8,500 banks and credit unions actively reporting rates 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 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.

Blank map of the United States, territories not included Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
Fastest Rising Rate
Nevada (+0.834)
Current 30-Year Avg: 6.527%
Fastest Falling Rate
Alaska (-0.489)
Current 30-Year Avg: 5.898%

Weekly Reports

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 since March 15. Hover over the chart to see exact rates for each day.

As of Mar 23, 2026 • Data provided by MonitorBankRates.com

Free Data Tools

Use This Data on Your Website, Article, or Social

Free for anyone to use — real estate agents, mortgage brokers, journalists, bloggers, academic researchers, and universities. All data is compiled from our database of over 8,500 banks and credit unions actively operating across all 50 states. Citation required, attribution link optional.

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Source: MonitorBankRates.com

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National Mortgage Rates MonitorBankRates.com
30-YEAR 6.272% ▲ 0.067
15-YEAR 5.946% ▼ 0.015
5/1 ARM 6.117% ▲ 0.080
Updated weekly — Source: MonitorBankRates.com

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Citation required: Include "Source: MonitorBankRates.com" wherever these rates appear. Attribution link is optional.