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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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-12.83%
5.339%
-4.95%
5.362%
+0.45%
5.366%
-0.37%
5.396%
-2.38%
5.459%
Feb 4, 2026 12:00 AM — mortgage-rates.ai
After a recent meeting by the Federal Reserve, mortgage interest rates showed a mixed movement, with some loan products increasing while others decreased Bankrate . The decision to maintain the benchmark rate was influenced by slightly elevated inflation, low job gains, and stabilizing unemployment rates Bankrate . This led to an expectation of relatively steady mortgage rates in the near future,… ... more
Feb 4, 2026 12:00 AM — mortgage-rates.ai
Based on recent data, the 10-Year treasury rate has experienced a slight decrease, now at 4.274%, indicating potential stability or a slight drop in mortgage rates CNBC . The 30-Year Fixed benchmark has also seen a nominal change of 6.139%, suggesting a possible trend toward lower mortgage rates in the next 4 to 8 weeks as indicated by current market trends Bankrate . If these trends continue,… ... more
6.135%
+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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