Today's Mortgage Rates
The Mortgage News Daily rate index is published daily (weekdays) around 4PM EST. Learn About Our Rate Survey
Updated weekdays at aprox 4PM EST.
POSITIVE
MINIMAL
NEGATIVE
MBS prices are
significantly stronger
so far today. This strong upward movement in MBS should result in lower mortgage rates for today.
This tool provides an idea of the underlying trends
in MBS that may influence mortgage rates today.
It is not intended to forecast lender rate changes.
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Mortgage Rate Watch
Daily Mortgage Rate Market Analysis
Thu, Apr 16 2026, 3:52 PM
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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| Rate | Points | Change | |
|---|---|---|---|
|
4/16/26
Mortgage News Daily - daily
|
|||
| 30 Yr. Fixed | 6.32% | -- | +0.00% |
| 15 Yr. Fixed | 5.96% | -- | -0.01% |
| 30 Yr. Jumbo | 6.54% | -- | +0.00% |
| 7/6 SOFR ARM | 5.98% | -- | +0.00% |
| 30 Yr. FHA | 5.88% | -- | -0.01% |
| 30 Yr. VA | 5.89% | -- | -0.01% |
|
4/16/26
Freddie Mac - weekly
|
|||
| 30 Yr. Fixed | 6.30% | 0.00 | -0.07% |
| 15 Yr. Fixed | 5.65% | 0.00 | -0.09% |
|
4/8/26
MBA - weekly
|
|||
| 30 Yr. Fixed | 6.51% | 0.61 | -0.06% |
| 15 Yr. Fixed | 5.90% | 0.74 | +0.01% |
| 30 Yr. FHA | 6.22% | 0.73 | -0.03% |
| 30 Yr. Jumbo | 6.54% | 0.35 | -0.05% |
| 7/6 SOFR ARM | 5.60% | 0.68 | -0.07% |
POSITIVE
MINIMAL
NEGATIVE
MBS prices are
significantly stronger
so far today. This strong upward movement in MBS should result in lower mortgage rates for today.
| Change | 52 Week Range | |||||||
|---|---|---|---|---|---|---|---|---|
| Rate | Points | Previous | 1 Year | Low | High | |||
|
as of 4/16/26
Mortgage News Daily - updated daily
|
||||||||
| 30 Yr. Fixed | 6.32% | -- | +0.00% | -0.54% | 5.99% |
|
7.08% |
|
| 15 Yr. Fixed | 5.96% | -- | -0.01% | -0.31% | 5.55% |
|
6.39% |
|
| 30 Yr. Jumbo | 6.54% | -- | +0.00% | -0.49% | 6.10% |
|
7.15% |
|
| 7/6 SOFR ARM | 5.98% | -- | +0.00% | -0.44% | 5.29% |
|
6.63% |
|
| 30 Yr. FHA | 5.88% | -- | -0.01% | -0.47% | 5.62% |
|
6.53% |
|
| 30 Yr. VA | 5.89% | -- | -0.01% | -0.48% | 5.64% |
|
6.54% |
|
|
as of 4/16/26
Freddie Mac - updated weekly
|
||||||||
| 30 Yr. Fixed | 6.30% | 0.00 | -0.07% | -0.32% | 5.98% |
|
6.89% |
|
| 15 Yr. Fixed | 5.65% | 0.00 | -0.09% | -0.17% | 5.35% |
|
6.03% |
|
|
as of 4/8/26
Mortgage Bankers Association - updated weekly
|
||||||||
| 30 Yr. Fixed | 6.51% | 0.61 | -0.06% | -0.20% | 6.09% |
|
7.01% |
|
| 15 Yr. Fixed | 5.90% | 0.74 | +0.01% | -0.14% | 5.48% |
|
6.45% |
|
| 30 Yr. FHA | 6.22% | 0.73 | -0.03% | -0.15% | 5.97% |
|
6.80% |
|
| 30 Yr. Jumbo | 6.54% | 0.35 | -0.05% | -0.22% | 6.16% |
|
7.17% |
|
| 7/6 SOFR ARM | 5.60% | 0.68 | -0.07% | -0.44% | 5.23% |
|
6.48% |
|
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