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What are today's average mortgage rates?

Average mortgage rates moved higher again yesterday. Of course, those remain exceptionally low by almost any historical standards. But they’ve been heading upward for months now.

And I suspect that mortgage rates might climb again next week. Because the forces that have been pushing them higher (see below) remain potent. And momentum still seems strong. However, periods of falls are inevitable, and I can’t rule out one over the next seven days.

Find and lock a low rate (Oct 23rd, 2021)

Current mortgage and refinance rates 

Program Mortgage Rate APR* Change
Conventional 30 year fixed
Conventional 30 year fixed 3.309% 3.327% -0.01%
Conventional 15 year fixed
Conventional 15 year fixed 2.657% 2.685% +0.01%
Conventional 20 year fixed
Conventional 20 year fixed 3.115% 3.148% -0.01%
Conventional 10 year fixed
Conventional 10 year fixed 2.587% 2.646% +0.02%
30 year fixed FHA
30 year fixed FHA 3.323% 4.087% +0.02%
15 year fixed FHA
15 year fixed FHA 2.64% 3.284% +0.02%
5/1 ARM FHA 2.765% 3.23% -0.01%
30 year fixed VA
30 year fixed VA 3.17% 3.364% Unchanged
15 year fixed VA
15 year fixed VA 2.836% 3.186% +0.04%
5/1 ARM VA
5/1 ARM VA 2.606% 2.45% Unchanged
Rates are provided by our partner network, and may not reflect the market. Your rate might be different. Click here for a personalized rate quote. See our rate assumptions here.

* See our rate assumptions here.

What’s a mortgage rate?

A mortgage rate is the rate of interest charged by a mortgage lender. Mortgage rates can be either fixed (it stays the same for the term of the loan) or variable (the rate will adjust at some point during the term of the loan). Mortgage rates are determined by the lender and can vary depending on your unique situation — your credit score, loan term, and downpayment can all affect your mortgage rate.1

Why compare mortgage rates?

The more lenders you compare when shopping for mortgage rates, the more likely you are to get the lowest interest rate available for you. Getting a lower interest rate could save you hundreds of dollars over a year of mortgage payments — and thousands of dollars over the life of the loan. Yes, it definitely pays to shop around.2

* Source:
1. Source: Freddie Mac
2. Advertising disclosure: we receive advertising revenue from some partners.

Verify your new rate (Oct 23rd, 2021)

Mortgage and refinance rates by state