MND's Rate Index
Frequency: Daily | Source: Mortgage News Daily
Follow day-to-day movement in mortgage rates derived from actual lender rate sheets.
Change 52 Week Range
Average Rates Current 1 day Low High
30 Yr. Fixed 3.70% -0.03% 2.75%
3.73%
15 Yr. Fixed 2.96% -0.01% 2.22%
2.97%
30 Yr. FHA 3.35% -0.03% 2.25%
3.38%
30 Yr. Jumbo 3.34% +0.01% 2.99%
3.50%
5/1 ARM 3.65% -0.10% 2.21%
3.82%

Last Updated: 1/19/22

TIP: Add or remove products from the chart above by clicking them in the legend under the chart.
Historic Mortgage Rates
The following table shows recent daily results for MND's Rate Index.
30 Yr. Fixed 15 Yr. Fixed 30 Yr. FHA 30 Yr. Jumbo 5/1 ARM
Rate Rate Rate Rate Rate
1/19/2022 3.70%
+0.00%
2.96%
+0.01%
3.35%
-0.03%
3.34%
+0.01%
3.65%
-0.10%
1/18/2022 3.73%
+0.08%
2.97%
+0.07%
3.38%
+0.13%
3.33%
+0.08%
3.75%
+0.11%
1/14/2022 3.65%
+0.08%
2.90%
+0.05%
3.25%
+0.05%
3.25%
+0.02%
3.64%
+0.04%
1/13/2022 3.57%
+0.05%
2.85%
+0.03%
3.20%
+0.01%
3.23%
+0.01%
3.60%
-0.02%
1/12/2022 3.52%
-0.07%
2.82%
-0.03%
3.19%
-0.03%
3.22%
-0.05%
3.62%
-0.06%
1/11/2022 3.59%
-0.05%
2.85%
-0.02%
3.22%
-0.03%
3.27%
-0.02%
3.68%
-0.14%
1/10/2022 3.64%
+0.14%
2.87%
+0.10%
3.25%
+0.15%
3.29%
+0.03%
3.82%
+0.02%
1/7/2022 3.55%
+0.08%
2.77%
+0.02%
3.10%
+0.05%
3.26%
+0.01%
3.80%
+0.00%
1/6/2022 3.47%
+0.10%
2.75%
+0.06%
3.05%
+0.07%
3.25%
+0.03%
3.80%
+0.01%
1/5/2022 3.37%
+0.02%
2.69%
-0.01%
2.98%
+0.00%
3.22%
-0.02%
3.79%
+0.04%
1/4/2022 3.35%
+0.06%
2.70%
+0.06%
2.98%
+0.06%
3.24%
+0.06%
3.75%
+0.13%
1/3/2022 3.29%
+0.00%
2.64%
+0.00%
2.92%
+0.00%
3.18%
+0.00%
3.62%
+0.00%
12/31/2021 3.27%
+0.00%
2.60%
+0.00%
2.88%
+0.00%
3.13%
+0.00%
3.50%
+0.00%
12/30/2021 3.27%
+0.00%
2.60%
+0.00%
2.88%
+0.00%
3.13%
+0.00%
3.33%
+0.00%
12/29/2021 3.26%
+0.00%
2.60%
+0.00%
2.88%
+0.00%
3.13%
+0.00%
3.33%
+0.00%
12/28/2021 3.24%
-0.03%
2.59%
-0.02%
2.85%
-0.01%
3.12%
-0.01%
3.33%
+0.00%
12/27/2021 3.27%
+0.02%
2.61%
+0.02%
2.86%
+0.01%
3.13%
+0.01%
3.33%
+0.03%
12/22/2021 3.25%
+0.03%
2.59%
+0.04%
2.85%
+0.05%
3.12%
-0.02%
3.30%
+0.10%
12/21/2021 3.22%
+0.05%
2.55%
+0.02%
2.80%
+0.05%
3.14%
+0.06%
3.20%
+0.18%
12/20/2021 3.17%
+0.01%
2.53%
+0.01%
2.75%
+0.00%
3.08%
+0.01%
3.02%
-0.35%

About MND's Daily Rate Index

Our Rate Index is update each weekday afternoon (excluding market holidays).

The MND Rate Index is the best way to follow day-to-day movement in mortgage rates. Unlike mortgage rate surveys, our index is driven by real-time changes in actual lender rate sheets. This has two huge advantages.

Timeliness
Because we’re not waiting for responses to a survey (or for any other 3rd party input, for that matter), we can update our index any time rates change.

Accuracy
Because we’re gathering data from actual lender rate sheets, there’s never any doubt that our index is the most accurate representation of the actual rates available in the marketplace. The elements of human error and lender-to-lender inconsistencies are also avoided.

More Info
The index itself is based on the average lender’s rate on a “top tier” scenario (no negative adjustments to rate), with little to no discount/origination (aka “points”).

This top tier rate quote can vary—sometimes substantially—from lender to lender. Rate quotes can also vary massively based on the details of your specific scenario. As such, the best use of any timely, accurate rate index is to observe the day-to-day change.

The index is expressed as an average. Actual rates tend to be offered in 0.125% increments. For instance, if the index is at 4.07, the predominant top tier rates would be 4.00% and 4.125%.

Simple Mortgage Calculator 
$
%