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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.

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 are representative of the types of offers borrowers are getting in the market today.

5.490%
30-Year Fixed
$497,811
Origination $9,967
Points $7,467 (1.50%)
Can't Shop $10,517
Can Shop $2,419
Total Loan Costs $22,903
Lender Credits -($3,000)
Closing Costs $46,794
Does this look like it’s worth going through with. The house will...
u/InteractionWest1050 Mar 15, 2026
5.875%
30-Year Fixed
$319,920
Origination $3,090
Points -
Can't Shop $1,195
Can Shop $3,308
Total Loan Costs $7,593
Closing Costs $17,159
Victim of domestic abuse. Please help
u/Extreme-Noise-6809 Mar 15, 2026
5.500%
30-Year Fixed
$415,000
Origination $187
Points -
Can't Shop $1,196
Can Shop $7,000
Total Loan Costs $8,383
Closing Costs $14,339
Thoughts on this rate offer? It’s through my credit union, no rat...
u/itsalwayssunnyinphx Mar 15, 2026
6.375%
30-Year Fixed
$621,000
Origination $950
Points -
Can't Shop $1,270
Can Shop $2,000
Total Loan Costs $4,220
Lender Credits -$250
Closing Costs $5,906
Does this look good?
u/dyl8888 Mar 15, 2026
5.250%
30-Year Fixed
$636,400
Origination -
Points -
Can't Shop $3,957
Can Shop $350
Total Loan Costs $4,307
Lender Credits -($2,500)
Closing Costs $13,764
I take this right?
u/Ill-do-it Mar 15, 2026
6.100%
30-Year Fixed
$265,000
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Did we do okay here?
u/USC1989 Mar 15, 2026
6.250%
30-Year Fixed
$308,800
Origination $4,626
Points $3,088 (1.00%)
Can't Shop $630
Can Shop $0
Total Loan Costs $7,394
Closing Costs $34,068
New home buyer here. Any opinion on this?
u/CosmicLulz Mar 14, 2026
7.175%
30-Year Fixed
$750,000
Origination $25,495
Points $22,500 (3.00%)
Can't Shop $0
Can Shop $5,733
Total Loan Costs $31,228
Closing Costs $69,282
Advice on LE costs - Seems sus
u/Tenfirstnames01 Mar 14, 2026
5.875%
30-Year Fixed
$408,500
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Did i get hit in the head? 740 ish credit score
u/CorazonDSanti Mar 14, 2026
5.990%
30-Year Fixed
$380,078
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
I live in Nebraska. Is this the best refinance deal I can get in ...
u/babdjbdn Mar 12, 2026
5.990%
30-Year Fixed
$325,000
Origination $1,695
Points $7,358
Can't Shop $1,197
Can Shop $2,997
Total Loan Costs $17,319
Lender Credits -$3,200
Closing Costs $17,319
How bad is this
u/TheNerdSwagg Mar 11, 2026
6.250%
30-Year Fixed
$352,500
Origination $9,031
Points $4,406 (1.30%)
Can't Shop $2,487
Can Shop $3,224
Total Loan Costs $14,742
Closing Costs $17,055
Homestyle Renovation Lender Recommendations?
u/Poloxia Mar 11, 2026

Distribution by State

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National Average
6.200%
+0.06% 30-Year Fixed
30-Year | 15-Year | 10-Year | 30-Yr FHA 30-Yr VA | 7/1 ARM | 5/1 ARM
Today's Summary
Mar 13, 2026 12:00 AM — LoanGlass
Mortgage Rates Show Stability Amidst External Factors
The LoanGlass benchmark for 30-Year Fixed mortgages stood at 6.199% today, exhibiting a slight 0.093% increase from yesterday. Experts note that the recent surge in oil prices and geopolitical tensions could pose challenges for homebuyers, potentially influencing mortgage rate fluctuations (source).
Rates Forecast
Mar 13, 2026 12:00 AM — LoanGlass
Forecasting Mortgage Rate Trends in the Coming Weeks
As the 10-Year treasury rate sees a slight uptick today, hovering at 4.271%, recent market trends have shown a minimal increase in interest rates, with the 30-Year Fixed benchmark currently at 6.199%. According to a recent article, rising oil prices have contributed to the surge in rates, signaling a potential trend in the coming weeks as geopolitical tensions continue. With rates hitting a… ... more
Long Range View
Mar 13, 2026 12:00 AM — LoanGlass
Forecast: Mortgage Rates Expected to Increase Over Next 3 Months
With the 10-Year treasury rate experiencing a slight uptick today, it is expected that mortgage rates, such as the 30-Year Fixed LoanGlass benchmark, will also show a rise over the next 3 to 6 months. This prediction aligns with recent commentary suggesting that current economic concerns and geopolitical tensions are likely to put upward pressure on rates, impacting the affordability of home loans… ... more
Latest Mortgage News
Mar 13, 2026 3:32 PM — Mortgage Lenders
Are Personal Loans a Good Idea? Here Are the Pros and Cons
The Mortgage Reports
Personal loans can be helpful in financial emergencies or consolidating debt with lower interest rates than credit cards. The loan amount is received upfront, interest rates depend on credit score, and loan terms range from one to seven years. Utilizing a personal loan for debt consolidation can improve credit scores. However, personal loans may ha... more
Mar 13, 2026 3:30 PM — Housing Market
Trump signs executive orders aimed at home affordability ahead of midterms
PBS
President Donald Trump signed two executive orders aimed at improving home affordability by reducing federal housing regulatory burdens and reducing regulatory burdens tied to mortgages. These orders show an emphasis on home ownership policy and seek to streamline the mortgage process to increase lending and reduce borrowing costs.
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.

10-Year Treasury
4.272%
-0.07%
The 10-Year Treasury is the best predictor
of the direction of mortgage rates.
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