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
moderately weaker
so far today. This downward movement of MBS may result in higher 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
4 Hours, 23 Min ago
Although Freddie Mac's weekly mortgage rate survey (released today) suggested the lowest rates since October 2024, our daily numbers offer a bit more nuance. To be sure, October 28th and September 16th both saw distinctly lower rates this year.
Today's rates are right in line with yesterday's as well as last Friday's. In other words, this week is flat compared to Friday although the average rate is lower so far.
The bond market closes early today and will be fully closed tomorrow. Bonds reopen on Friday and then will be fully open for a normal week of trading next week.
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| Rate | Points | Change | |
|---|---|---|---|
|
12/31/25
Mortgage News Daily - daily
|
|||
| 30 Yr. Fixed | 6.20% | -- | +0.00% |
| 15 Yr. Fixed | 5.76% | -- | +0.01% |
| 30 Yr. Jumbo | 6.37% | -- | +0.00% |
| 7/6 SOFR ARM | 5.73% | -- | +0.01% |
| 30 Yr. FHA | 5.85% | -- | +0.01% |
| 30 Yr. VA | 5.87% | -- | +0.01% |
|
12/31/25
Freddie Mac - weekly
|
|||
| 30 Yr. Fixed | 6.15% | 0.00 | -0.03% |
| 15 Yr. Fixed | 5.44% | 0.00 | -0.06% |
|
12/10/25
MBA - weekly
|
|||
| 30 Yr. Fixed | 6.33% | 0.60 | +0.01% |
| 15 Yr. Fixed | 5.71% | 0.64 | -0.02% |
| 30 Yr. FHA | 6.08% | 0.72 | -0.04% |
| 30 Yr. Jumbo | 6.46% | 0.35 | +0.06% |
| 7/6 SOFR ARM | 5.51% | 0.78 | +0.11% |
POSITIVE
MINIMAL
NEGATIVE
MBS prices are
moderately weaker
so far today. This downward movement of MBS may result in higher mortgage rates for today.
| Change | 52 Week Range | |||||||
|---|---|---|---|---|---|---|---|---|
| Rate | Points | Previous | 1 Year | Low | High | |||
|
as of 12/31/25
Mortgage News Daily - updated daily
|
||||||||
| 30 Yr. Fixed | 6.20% | -- | +0.00% | -0.87% | 6.13% |
|
7.26% |
|
| 15 Yr. Fixed | 5.76% | -- | +0.01% | -0.72% | 5.60% |
|
6.59% |
|
| 30 Yr. Jumbo | 6.37% | -- | +0.00% | -0.93% | 6.10% |
|
7.45% |
|
| 7/6 SOFR ARM | 5.73% | -- | +0.01% | -1.27% | 5.59% |
|
7.25% |
|
| 30 Yr. FHA | 5.85% | -- | +0.01% | -0.55% | 5.82% |
|
6.59% |
|
| 30 Yr. VA | 5.87% | -- | +0.01% | -0.55% | 5.85% |
|
6.60% |
|
|
as of 12/31/25
Freddie Mac - updated weekly
|
||||||||
| 30 Yr. Fixed | 6.15% | 0.00 | -0.03% | -0.70% | 6.15% |
|
7.04% |
|
| 15 Yr. Fixed | 5.44% | 0.00 | -0.06% | -0.56% | 5.41% |
|
6.27% |
|
|
as of 12/10/25
Mortgage Bankers Association - updated weekly
|
||||||||
| 30 Yr. Fixed | 6.33% | 0.60 | +0.01% | -0.40% | 6.30% |
|
7.09% |
|
| 15 Yr. Fixed | 5.71% | 0.64 | -0.02% | -0.41% | 5.63% |
|
6.46% |
|
| 30 Yr. FHA | 6.08% | 0.72 | -0.04% | -0.41% | 6.08% |
|
6.80% |
|
| 30 Yr. Jumbo | 6.46% | 0.35 | +0.06% | -0.39% | 6.38% |
|
7.17% |
|
| 7/6 SOFR ARM | 5.51% | 0.78 | +0.11% | -0.73% | 5.40% |
|
6.48% |
|
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