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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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Distribution By Mortgage Type

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-14.47%
5.239%
-5.76%
5.316%
-0.65%
5.331%
-0.70%
5.379%
-4.66%
5.418%
Feb 6, 2026 12:00 AM — mortgage-rates.ai
Today, the 30-Year Fixed benchmark for mortgages stands at 6.107%, only slightly higher than yesterday's rate. Despite this nominal increase, rates have remained relatively stable over the past week. Articles speculate that upcoming labor market data could potentially cause rates to either drop to multi-year lows or rise to levels seen in December.
Feb 6, 2026 12:00 AM — mortgage-rates.ai
Based on recent data, mortgage rates have shown a slight decrease in the last few days, with the 30-Year Fixed benchmark currently at 6.107%. Analysts predict that this trend may continue in the next 4-8 weeks, especially with the 10-Year treasury also experiencing a slight decline, currently at 4.208%. The potential drop in rates is supported by recent articles highlighting the stagnation of… ... more
6.106%
-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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