30YR Fixed Rate
6.32%
+0.00%
15YR Fixed Rate
5.96%
-0.01%
UMBS 30YR 5.0
99.17
-0.13
10 Year Treasury
4.314
+0.030
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On average, today's top-tier 30 year fixed mortgage rates are exactly the same as yesterday's. Rates are driven by the bond market and bonds continue waiting for bigger developments in the Iran war. At the moment, the market is in a sort of limbo as time remains on the 2-week ceasefire. In the meantime, there's a multitude of lower consequence war-related headlines on any given day. These have caused a bit of back and forth volatility in bonds, but not enough directional movement to nudge rates very far in either direction since Tuesday.  
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April 16, 2026
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30 Yr. Fixed
6.32% +0.00%  
5.99%
7.08%
15 Yr. Fixed
5.96% -0.01%  
5.55%
6.39%
30 Yr. Jumbo
6.54% +0.00%  
6.1%
7.15%
Compare Mortgage Rates from Local Lenders for Apr 16, 2026
Mortgage Rates Hold Perfectly Steady
Thu, Apr 16, 2026 3:52PM
On average, today's top-tier 30 year fixed mortgage rates are exactly the same as yesterday's. Rates are driven by the bond market and bonds continue waiting for bigger developments in the Iran war. At the moment, the market is in a sort of limbo as time remains on the 2-week ceasefire. In the meantime, there's a multitude of lower consequence war-related headlines on any given day. These have caused a bit of back and forth volatility in bonds, but not enough directional movement to nudge rates very far in either direction since Tuesday.   (read more)
Mortgage News Daily Rate Change Points
30 Yr. Fixed 6.32% 0.00 0.00
15 Yr. Fixed 5.96% -0.01 0.00
30 Yr. FHA 5.88% -0.01 0.00
30 Yr. Jumbo 6.54% 0.00 0.00
7/6 SOFR ARM 5.98% 0.00 0.00
30 Yr. VA 5.89% -0.01 0.00
Updates Daily - Last Update: 4/16
Freddie Mac Rate Change Points
30 Yr. Fixed 6.30% -0.07 0.00
15 Yr. Fixed 5.65% -0.09 0.00
Updates Weekly - Last Update: 4/16
Mortgage Bankers Assoc.
30 Yr. Fixed 6.51% -0.06 0.61
15 Yr. Fixed 5.90% +0.01 0.74
30 Yr. Jumbo 6.54% -0.05 0.35
Updates Weekly - Last Update: 4/8
UMBS 30YR 5.0
99.20 -0.11  
95.71
100.50
UMBS 30YR 5.5
100.94 -0.05  
98.11
101.64
10 YR Treasury
4.313 +0.029  
3.948
4.590
Slowest Day in Over a Month. No Reaction to Data
Thu, Apr 16, 2026 9:33AM
Thursday has thus far been the slowest and most sideways day since February 24th, before the start of the Iran war. A lull in war-related developments is likely helping. While there are plenty of isolated headlines, the only thing the market really cares about is the timeline for the war to be over. As such, the present ceasefire is a sort of limbo that... (read more)
MBS Price Change
UMBS 4.5 97.06 -0.12
UMBS 5.0 99.19 -0.12
UMBS 5.5 100.91 -0.08
GNMA 4.5 97.30 +0.01
GNMA 5.0 99.81 -0.06
GNMA 5.5 101.11 +0.03
Pricing as of: 4/16 5:32PM EST
US Treasury Yield Change
2 YR Treasury 3.777 +0.016
5 YR Treasury 3.917 +0.023
7 YR Treasury 4.105 +0.026
10 YR Treasury 4.314 +0.030
30 YR Treasury 4.937 +0.039
Pricing as of: 4/16 5:32PM EST
Other News
AOT, Warehouse, Homebuyer Report, Subservicing Tools; STRATMOR's "Who Owns the Borrower?" Population Trends
Thu, Apr 16, 2026 11:22AM
The U.S. Census Bureau released a downloadable file containing estimates of the nation’s resident population by single year of age and sex as of July 1, 2025. Nationwide lenders are always analyzing branch locations and market share. America’s post-pandemic relocation surge is losing momentum, with interstate migration falling to a decade low as once-booming... (read more)
Latest Video
Fed's Miran: Even before war, underlying inflation getting problematic
New York Fed President Williams worries war will slow growth, aggravate inf...
March industrial production falls 0.5%, missing estimates
Fed's Beige Book: Economic activity increased at slight to moderate pace in...
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© 2026  Mortgage News Daily, LLC. | 19701 Bethel Church Rd. | Cornelius, NC 28031
Interest rates displayed are national averages and for informational purposes only. Actual rates from lenders may vary based on several factors including, but not limited to, credit worthiness, ability to replay, credit score, down payment, loan term, etc.
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Today's Mortgage Rates  |  Mortgage Calculators
4/16/2026
30 Yr. Fixed Rate
6.32%
+0.00%
0.00
MBS & Treasury Prices
UMBS 30YR 5.0
99.19
-0.12
10 Year US Treasury
98.476
-0.242
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