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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 for Largest Lenders

The chart below shows the mortgage rates of the 10 largest lenders tracked by LoanGlass over the overall distribution map.
Collectively those lenders represent more than 15% of the market according the 2024 HMDA statistics.

Real-Time Loan Estimates

The cards below show the most recent loan estimates loaded by users on the Reddit Mortgage Broker Rate Quotes Ultra Thread.
These rates may be representative of the types of offers borrowers are getting in the market today.
They do not reflect the rates you might get as rates are dependent upon your unique situation.

5.875%

30-Year Fixed - RATE LOCKED

$215,033

Origination $4,831

Points $3,191 (1.48%)

Can't Shop $5,310

Can Shop $2,891

Am I getting fucked

u/Impossible-Can-7614 Apr 8, 2026

6.250%

30-Year Fixed - RATE LOCKED

$685,357

Origination $2,290

Points $2,290

Can't Shop $13,339

Can Shop $7,512

roast me

u/Ordinary_Wing5804 Apr 8, 2026

5.875%

30-Year Fixed

$515,000

Origination $6,400

Points -

Can't Shop $3,019

Can Shop -

Locked in today. How did I do?

u/Cappuccinosatnight Apr 8, 2026

6.250%

30-Year Fixed

$360,000

Origination -

Points -

Can't Shop -

Can Shop -

First Time Home Buy: Any thoughts on this?

u/stenfeio Apr 8, 2026

6.375%

30-Year Fixed - RATE LOCKED

$400,000

Origination $1,595

Points $1,595

Can't Shop $996

Can Shop $2,295

How does this look?

u/WorldlinessNew7917 Apr 8, 2026

4.500%

30-Year Fixed - RATE LOCKED

$332,849

Origination $9,982

Points $8,737 (2.63%)

Can't Shop $6,655

Can Shop $3,833

Is this an ok loan?

u/Lil_Abuk Apr 8, 2026

5.000%

30-Year Fixed - RATE LOCKED

$577,592

Origination $7,220

Points $1,444 (1.00%)

Can't Shop $12,411

Can Shop $5,139

How does this look?

u/CantSleepNowOnReddit Apr 8, 2026

5.990%

30-Year Fixed

$300,000

Origination $1,345

Points -

Can't Shop $1,001

Can Shop $2,903

Help- this is the best I can get?

u/Heard-from-Quark Apr 8, 2026

4.500%

30-Year Fixed

$352,497

Origination -

Points -

Can't Shop -

Can Shop -

How this look?

u/Suitable_County_6577 Apr 7, 2026

5.750%

30-Year Fixed

$509,599

Origination -

Points -

Can't Shop -

Can Shop -

Not first time homeowners, how did we do?

u/HonestSignal3470 Apr 7, 2026

5.875%

30-Year Fixed

$320,000

Origination $950

Points -

Can't Shop $990

Can Shop $4,531

Opinions on this LE?

u/Broad-Broccoli76 Apr 7, 2026

6.375%

30-Year Fixed

$607,865

Origination $1,961

Points $466 (0.77%)

Can't Shop $855

Can Shop $1,160

Does this refinance look okay? 6.375% 30 year fixed

u/NoAnalysis3776 Apr 7, 2026

Distribution by State

Distribution by Lender Type

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Distribution by Direction

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Distribution By Mortgage Type

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Today's Summary

Apr 8, 2026 12:00 AM — LoanGlass

Mortgage Rates Experience Minor Drops Amid Economic Uncertainty

Today, the LoanGlass benchmark for 30-Year Fixed mortgages was 6.305%, reflecting a slight decrease from yesterday and a week ago, with the 10-Year Treasury also showing a downward trend. As reported by an industry source, mortgage rates have slightly declined due to the ongoing economic uncertainty resulting from the Iran war, despite President Trump's announcement of a two-week ceasefire,… ... more

Rates Forecast

Apr 8, 2026 12:00 AM — LoanGlass

Mortgage Rates Expected to Decline in Coming Weeks Amid Economic Uncertainty

According to recent reports, the LoanGlass benchmark for 30-Year Fixed Jumbo mortgages decreased by -0.0704% today, indicating a potential downward trend in mortgage rates in the near future. With total mortgage application volume falling by 0.8% last week due to economic uncertainty fueled by the Iran war, experts predict that rates will move lower following President Trump's announcement of a… ... more

Long Range View

Apr 8, 2026 12:00 AM — LoanGlass

Mortgage Rates Forecast: Will Rates Drop in the Next 3-6 Months?

Experts predict that mortgage rates are likely to decrease over the next 3 to 6 months, following the recent trend in rate changes. The LoanGlass benchmark for 30-Year Fixed Jumbo mortgages is 6.3342%, showing a continual decrease from both yesterday and a week ago. With rates on a downward trajectory, potential homebuyers may benefit from waiting to secure a favorable mortgage rate in the coming… ... more

Latest Mortgage News

Apr 8, 2026 8:31 AM — Mortgage Rates

Refinance mortgage demand hits multimonth lows in early April

Scotsman Guide

Purchase mortgage applications declined below year-ago levels at the end of March and early April due to higher mortgage rates and economic uncertainty. Refinance applications dropped significantly, with many potential borrowers unable to refinance. The average mortgage rate for 30-year loans rose to 6.46%, marking the fifth consecutive week of inc... more

Apr 8, 2026 7:42 AM — Mortgage Rates

Rate lock-in: 1 in 3 owners won't budge at any price

National Mortgage News

Recent reports show that mortgage rates have been rising, causing many homeowners to hold onto their current rates. There have been lawsuits and investigations related to lending laws, with some courts expanding the statute of limitations. Companies like Newrez and Luminate Home Loans are facing enforcement actions. Industry experts emphasize the i... more

Featured Story

Mar 2, 2026 — LoanGlass

The End of Trigger Leads Opens a Door for Lenders Who Embrace Transparency

The trigger lead ban forces lenders to rethink how they find buyers — and the answer isn't louder marketing, it's more transparent rates on platforms where motivated buyers are already looking.

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DISCLAIMER: LoanGlass (previously known as mortgage-rates.ai) is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. LoanGlass is not a lender, mortgage broker, or financial advisor, and is not registered with the Nationwide Mortgage Licensing System (NMLS). Nothing contained on this website shall be construed as an offer to lend, solicit, or extend credit of any kind.

The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 800 lenders. LoanGlass 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.

Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@loanglass.com.

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