Live national averages, updated as the market moves — no stale numbers. Your actual rate depends on credit, loan size, occupancy, and lock period, so the fastest way to a real number is to ask for one.
This tracker is powered by Optimal Blue, which prices a large share of U.S. mortgage locks every day. It refreshes automatically, so what you see below is current market data rather than a number typed in last week.
Rates shown are national averages published by Optimal Blue and are not a quote or a commitment to lend. Averages assume prime credit and standard loan characteristics; your rate will differ. Steve Kent, NMLS #1621847. Equal Housing Opportunity.
An average blends thousands of loans with different credit scores, loan sizes, and lock periods. It tells you which way the market is heading — it does not tell you what you personally qualify for.
Mortgage pricing tracks the bond market and can reprice more than once in a day after a big inflation or jobs report. If you're under contract, that's exactly why lock timing matters.
Credit score, down payment, occupancy, property type, and whether you're self-employed all shift pricing. Two buyers on the same street can be a full point apart.
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Published averages are a starting point. Send your details and Steve will come back with real pricing for your scenario — usually the same business day.