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Today’s 30-Year Fixed Mortgage Rates

Each bar shows how many lenders are offering loans within that APR range — greener bars mean lower rates.

Today's 30-Year Fixed Rates

Each bar shows how many lenders are offering loans within that APR range — greener bars mean lower rates.

Distribution for Largest Lenders

The chart below shows the mortgage rates of the 10 largest lenders tracked by LoanGlass over the overall distribution map.
Collectively those lenders represent more than 15% of the market according the 2024 HMDA statistics.

Real-Time Loan Estimates

The cards below show the most recent loan estimates loaded by users on the Reddit Mortgage Broker Rate Quotes Ultra Thread.
These rates may be representative of the types of offers borrowers are getting in the market today.
They do not reflect the rates you might get as rates are dependent upon your unique situation.

3.990%

30-Year Fixed - RATE LOCKED

$342,833

Origination $1,245

Points -

Can't Shop $6,826

Can Shop $3,919

First time home buyer TX

u/Open_Description5435 Apr 15, 2026

6.375%

30-Year Fixed

$198,850

Origination $1,989

Points -

Can't Shop -

Can Shop -

30yr 97/3 first time homebuyer

u/Such-Independence-18 Apr 14, 2026

6.500%

30-Year Fixed

$242,500

Origination $1,295

Points -

Can't Shop $1,407

Can Shop $3,306

How is this? First home time buyer in PA

u/Repulsive_Metal8981 Apr 14, 2026

6.500%

30-Year Fixed - RATE LOCKED

$489,250

Origination $8,232

Points $6,982 (1.43%)

Can't Shop $994

Can Shop $4,411

The broker mentioned that the lender will cover the cost of point...

u/CEO2moro Apr 14, 2026

5.500%

30-Year Fixed - RATE LOCKED

$304,385

Origination -

Points -

Can't Shop -

Can Shop -

I think we did it!

u/lily_aka_mein Apr 14, 2026

6.375%

30-Year Fixed - RATE LOCKED

$343,000

Origination $2,160

Points $490 (0.14%)

Can't Shop $1,005

Can Shop $2,908

How'd I do? Regretting settling on this rate

u/Pristine_Problem_706 Apr 13, 2026

5.750%

30-Year Fixed - RATE LOCKED

$457,875

Origination $16,854

Points $15,604 (3.41%)

Can't Shop $10,503

Can Shop $1,339

Colorado, any advice?

u/anonghast Apr 13, 2026

5.625%

30-Year Fixed

$625,650

Origination $16,489

Points $15,239 (2.44%)

Can't Shop $872

Can Shop $3,455

Should I ask for anything different?

u/Vein_Finder Apr 13, 2026

7.125%

30-Year Fixed

$429,750

Origination $1,235

Points -

Can't Shop $2,984

Can Shop $0

First time homebuyer - how bad is our rate?

u/ImDemon024 Apr 13, 2026

7.125%

30-Year Fixed

$520,000

Origination -

Points -

Can't Shop -

Can Shop -

How are things looking

u/BeyondAppropriate630 Apr 13, 2026

6.000%

30-Year Fixed

$407,483

Origination $1,250

Points -

Can't Shop $9,121

Can Shop $3,275

How’s is it looking?

u/Creepy_Parking_5455 Apr 12, 2026

6.250%

30-Year Fixed

$324,000

Origination $3,999

Points -

Can't Shop $976

Can Shop $2,708

Thoughts? Am I getting hosed?

u/North_Flatworm_495 Apr 12, 2026

Distribution by State

Distribution by Lender Type

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Distribution by Direction

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Distribution By Mortgage Type

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Today's Summary

Apr 14, 2026 12:00 AM — LoanGlass

Mortgage Rates Hold Steady Despite Recent Volatility

The LoanGlass benchmark for 30-Year Fixed mortgages remained at 6.2602% today, showing a nominal change of -0.0954% from a week ago. Analysts attribute the stability in rates to the recent uncertainty in economic forecasts, with projections indicating a relatively stable trend in mortgage rates through 2027. Despite the slight fluctuations, mortgage rates continue to hover around the 6% mark,… ... more

Rates Forecast

Apr 14, 2026 12:00 AM — LoanGlass

Forecasting Future Mortgage Rate Trends Based on Recent Benchmarks

Recent benchmarks show a slight decline in mortgage rates, with the LoanGlass benchmark for 30-Year Fixed mortgages at 6.260%, down 0.022% from yesterday. A similar trend is reflected in the 15-Year Fixed rate, now at 5.794%. Projections indicate a potential stabilization of rates over the next 4 to 8 weeks, according to industry experts at a leading financial news source.

Long Range View

Apr 14, 2026 12:00 AM — LoanGlass

Forecast: Mortgage Rates Expected to Remain Relatively Stable in the Next 3-6 Months

Based on the recent trend in mortgage rates, with the LoanGlass benchmark for 30-Year Fixed mortgages at 6.260%, a decrease of 0.094% in the last week, and the 15-Year Fixed benchmark at 5.794%, a drop of 0.053% in the same period, experts predict that mortgage rates will likely remain relatively stable in the next 3 to 6 months. Industry data suggests that despite some fluctuations, rates are… ... more

Latest Mortgage News

Apr 15, 2026 1:30 AM — Housing Market

If you bought a home recently, you had some of the worst timing in decades

Business Insider

Aaron Solomon and his wife delayed purchasing a home due to high prices in 2022 and resumed their search in 2024 despite rising mortgage rates. They eventually bought a $1 million home in New Jersey, increasing their monthly payments significantly. New homeowners across the US are spending more of their income on housing compared to previous homeow... more

Apr 14, 2026 9:34 PM — Housing Market

Navigating housing affordability and a rising recession risk: Top economists’ takes on a gummed-up economy

Bankrate

The housing market started the year with mortgage rates falling, but due to inflation and the war in Iran, mortgage rates have climbed in recent weeks. The risk of recession has increased, impacting the job market. Despite rising costs and economic headwinds, economists predict 30-year fixed mortgage rates to fall by the end of the year. Home sales... more

Featured Story

Mar 2, 2026 — LoanGlass

The End of Trigger Leads Opens a Door for Lenders Who Embrace Transparency

The trigger lead ban forces lenders to rethink how they find buyers — and the answer isn't louder marketing, it's more transparent rates on platforms where motivated buyers are already looking.

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DISCLAIMER: LoanGlass (previously known as mortgage-rates.ai) is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. LoanGlass is not a lender, mortgage broker, or financial advisor, and is not registered with the Nationwide Mortgage Licensing System (NMLS). Nothing contained on this website shall be construed as an offer to lend, solicit, or extend credit of any kind.

The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 800 lenders. LoanGlass does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.

Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@loanglass.com.

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