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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 by State

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Distribution by Lender Type

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Distribution by Direction

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Distribution By Mortgage Type

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-1.80%
5.061%
-6.59%
5.076%
-14.48%
5.131%
-4.86%
5.247%
-4.77%
5.291%
Feb 16, 2026 12:00 AM — mortgage-rates.ai
Mortgage rates experienced a slight decline over the Presidents Day weekend, reaching near three-year lows. According to experts, rates are expected to remain between 6% and 6.5% in the near future, influenced by inflation trends and labor market strength themortgagereports.com . Trump's call for the Fed to cut rates might have an impact, but Kevin Warsh presents bigger plans regarding the rate… ... more
Feb 16, 2026 12:00 AM — mortgage-rates.ai
Recent fluctuations in the 10-year treasury rates, which dropped down to 4.051% today, are indicative of a potential downward trend in mortgage rates. Industry experts predict that mortgage rates may remain stable between 6% and 6.5% in the coming weeks, influenced by factors such as inflation and labor market strength. With 23.53% of mortgage lenders reducing their rates by an average of 0.0835%… ... more
6.009%
-0.01% 30-Year Fixed
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The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 600 lenders. Mortgage-Rates.ai 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.

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