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.
Today's read: Bonds Rally on a Weak Jobs Report A soft September jobs report is giving mortgage rates some breathing room.
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.