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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.

6.375%

30-Year Fixed - RATE LOCKED

$343,000

Origination $2,160

Points $490 (0.14%)

Can't Shop $1,005

Can Shop $2,908

How'd I do? Regretting settling on this rate

u/Pristine_Problem_706 Apr 13, 2026

5.750%

30-Year Fixed - RATE LOCKED

$457,875

Origination $16,854

Points $15,604 (3.41%)

Can't Shop $10,503

Can Shop $1,339

Colorado, any advice?

u/anonghast Apr 13, 2026

5.625%

30-Year Fixed

$625,650

Origination $16,489

Points $15,239 (2.44%)

Can't Shop $872

Can Shop $3,455

Should I ask for anything different?

u/Vein_Finder Apr 13, 2026

7.125%

30-Year Fixed

$429,750

Origination $1,235

Points -

Can't Shop $2,984

Can Shop $0

First time homebuyer - how bad is our rate?

u/ImDemon024 Apr 13, 2026

7.125%

30-Year Fixed

$520,000

Origination -

Points -

Can't Shop -

Can Shop -

How are things looking

u/BeyondAppropriate630 Apr 13, 2026

6.000%

30-Year Fixed

$407,483

Origination $1,250

Points -

Can't Shop $9,121

Can Shop $3,275

How’s is it looking?

u/Creepy_Parking_5455 Apr 12, 2026

6.250%

30-Year Fixed

$324,000

Origination $3,999

Points -

Can't Shop $976

Can Shop $2,708

Thoughts? Am I getting hosed?

u/North_Flatworm_495 Apr 12, 2026

6.375%

30-Year Fixed

$304,000

Origination $4,499

Points $2,204 (0.73%)

Can't Shop $1,540

Can Shop $2,739

How’s my loan estimate looking?

u/Odd_Class_6988 Apr 12, 2026

6.125%

30-Year Fixed - RATE LOCKED

$357,000

Origination $6,376

Points $4,016 (1.13%)

Can't Shop $1,448

Can Shop $1,627

Fees decent? Rate float down question

u/Adept_Hour_8649 Apr 12, 2026

6.375%

30-Year Fixed

$525,000

Origination $3,547

Points $1,670 (0.32%)

Can't Shop $1,288

Can Shop $2,884

How does this loan estimate look?

u/Mountain_Process_805 Apr 12, 2026

6.625%

30-Year Fixed

$465,495

Origination $7,098

Points -

Can't Shop $1,757

Can Shop $2,374

Rate my loan

u/Comfortable_Bit_9710 Apr 11, 2026

6.125%

30-Year Fixed

$196,377

Origination $3,479

Points $1,964 (1.00%)

Can't Shop $5,441

Can Shop $303

First time home buyer

u/tmuffinz05 Apr 11, 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 13, 2026 12:00 AM — LoanGlass

Mortgage Rates Shift as Lenders Alter Offers

Today, 13.32% of mortgage lenders tracked by LoanGlass lowered their rates by 0.0932%, with 25.82% increasing them by 0.0536%, while 60.86% made no changes. Concerns about inflation and bond market volatility have influenced the shifting rates, impacting the national averages for various loan options, highlighting the importance of factors like credit score and down payment in securing the best… ... more

Rates Forecast

Apr 13, 2026 12:00 AM — LoanGlass

Forecast: Mortgage Rates Expected to Rise in the Next 4 to 8 Weeks

Recent data from LoanGlass shows fluctuations in mortgage rates, with 13.32% of lenders lowering rates by an average of 0.0932% and 25.82% increasing them by an average of 0.0536%. The 10-Year Treasury saw a nominal change of -0.0431% from a week ago, indicating a potential upward trend in interest rates. With various benchmarks experiencing minor fluctuations, it is likely that mortgage rates… ... more

Long Range View

Apr 13, 2026 12:00 AM — LoanGlass

Forecasting the Future of Mortgage Rates in the Next 3-6 Months

Based on the recent statistics showing that 60.86% of mortgage lenders did not change their rates, while 25.82% increased them and 13.32% lowered them, it is likely that mortgage rates will remain relatively stable in the next 3 to 6 months. With the 10-Year treasury rate experiencing a nominal decrease over the past week, and considering the slight declines in various benchmark mortgage rates,… ... more

Latest Mortgage News

Apr 13, 2026 11:31 AM — Mortgage Rates

US home sales fall in March, marking a slow start to the spring homebuying season

ABC News

Sales of previously occupied U.S. homes fell in March to their slowest pace in nine months despite easing mortgage rates and more properties on the market. Home prices continued to rise, reaching an all-time high for any March. The housing market has been sluggish due to lower consumer confidence and softer job growth. Mortgage rates initially ease... more

Apr 13, 2026 9:32 AM — Mortgage Lenders

Why remodelers aren't panicking about rising rates

National Mortgage News

Rising mortgage rates are impacting homebuyers and existing home sales, but remodelers are not too affected by it. Better Mortgage completed warehouse renewals and Wolters Kluwer introduced a new way to access its digital vault platform. Newly minted doctors face challenges in buying homes due to student debt and job history. Nonbank mortgage profi... 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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