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Today’s 30-Year Fixed Mortgage Rates

Each bar shows how many lenders are offering loans within that APR range — greener bars mean lower rates.

Today's 30-Year Fixed Rates

Each bar shows how many lenders are offering loans within that APR range — greener bars mean lower rates.

Distribution by State

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Distribution by Lender Type

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Distribution by Direction

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-5.35%
5.339%
-12.83%
5.339%
-2.54%
5.341%
-0.45%
5.342%
+0.04%
5.417%
Feb 5, 2026 12:00 AM — mortgage-rates.ai
Mortgage rates have been fluctuating recently, experiencing a slight uptick following the Federal Open Market Committee's decision not to reduce rates. The 30-Year Fixed Benchmark rate stands at 6.125%, showing a mere 0.0069% nominal change from yesterday. While rates are up, they remain close to three-year lows and nearly a whole percentage point lower than a year ago, keeping the market in a… ... more
Feb 5, 2026 12:00 AM — mortgage-rates.ai
Based on recent data, mortgage rates are expected to remain relatively stable in the next 4 to 8 weeks. The 30-Year Fixed benchmark rate stands at 6.125% today, showing a slight increase of 0.006% from yesterday. Meanwhile, the 10-Year Treasury rate has experienced a nominal decrease of 0.071% from yesterday, suggesting a possible stabilizing trend in mortgage rates in the near future. Analysts… ... more
6.121%
-0.01% 30-Year Fixed
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The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 600 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.

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