Updated September 1, 2026
Today's mortgage rates
These are national averages of real locked rates, not offers. Your rate depends on your credit, down payment, loan size and lender. See your likely range.
30-year conforming, last 12 months
| Index | Rate | 1 day | 1 year |
|---|---|---|---|
| 30-yr conforming | 6.75% | +0.03 | +0.25 |
| 15-yr conforming | 6.05% | +0.00 | +0.60 |
| FHA 30-yr | 6.55% | +0.08 | +0.29 |
| VA 30-yr | 6.38% | +0.08 | +0.38 |
| USDA 30-yr | 6.55% | +0.07 | +0.28 |
| Jumbo 30-yr | 6.82% | +0.11 | +0.24 |
Freddie Mac weekly survey, week of August 27, 2026: 30-year 6.66%, 15-year 5.98%.
The same loan, different borrowers
30-year conforming, 30-day average, by credit score and down payment.
| Down payment | <680 | 680-699 | 700-719 | 720-739 | 740+ |
|---|---|---|---|---|---|
| 20% or more | 6.80% | 6.76% | 6.70% | 6.68% | 6.60% |
| Under 20% | 6.87% | 6.84% | 6.78% | 6.74% | 6.67% |
Sources: Optimal Blue Mortgage Market Indices™ (OBMMI™), daily averages of locked rates from about one-third of U.S. mortgage transactions; Primary Mortgage Market Survey® data provided by Freddie Mac. Retrieved via FRED®. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis. Averages shown are not an offer of credit. How we calculate and rank rates.