Borrower profile
Credit score, income stability, reserves, and debt-to-income ratio affect available pricing.
Mortgage rate center
Know what the market is doing—and what it means for you.
Track national benchmarks, understand the inputs behind pricing, and model the payment before requesting a personalized plan.
Historical trends
See how mortgage rates have moved.
Daily national benchmark observations for market context. Select a loan type to compare the last six months.
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Market benchmarks are educational and do not represent an offer to lend or a personalized quote.
Your quote
Four forces shape the rate you are offered.
Loan structure
Down payment, loan amount, term, occupancy, and program all influence rate and cost.
Property
Property type, number of units, state, and intended use can change the final price.
Market timing
Rates move with bond markets. A quote is not final until the rate is locked.
Benchmark rate versus personalized quote
A benchmark answers, “What is happening in the broad market?” A personalized quote answers, “What terms may be available for this borrower, property, and transaction right now?” A useful comparison includes the interest rate, APR, points or credits, lock period, lender fees, and cash to close.
Compare on the same day.
Get a personalized plan Mortgage markets can move during the day. Compare lenders with the same loan type, lock period, points, and assumptions.