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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

$483,300

Origination $1,989

Points -

Can't Shop $1,059

Can Shop $2,710

How does this look? I had the lender fix it up.

u/YumiMatsu33 Apr 21, 2026

6.375%

30-Year Fixed

$483,300

Origination $1,388

Points -

Can't Shop $1,059

Can Shop $2,710

How does this look?

u/YumiMatsu33 Apr 20, 2026

5.625%

30-Year Fixed

$301,000

Origination $1,200

Points -

Can't Shop $1,496

Can Shop $2,845

First time Buyer - look okay?

u/Cyber-Peacock Apr 20, 2026

6.125%

30-Year Fixed - RATE LOCKED

$580,000

Origination $12,750

Points -

Can't Shop $932

Can Shop $4,681

11k broker fees?

u/ConsiderationRough3 Apr 19, 2026

4.990%

30-Year Fixed

$328,932

Origination $4,983

Points $3,289 (1.00%)

Can't Shop $7,002

Can Shop $3,473

Closing Costs

u/Valioness Apr 18, 2026

6.125%

30-Year Fixed

$268,000

Origination $1,595

Points $670 (0.25%)

Can't Shop $1,185

Can Shop $2,218

Closing on my first home next week. 28M in MD

u/Unfair-Reception8735 Apr 17, 2026

6.250%

30-Year Fixed

$387,000

Origination $3,816

Points $2,817 (0.73%)

Can't Shop $965

Can Shop $2,915

Is this any Good? Bad? Ok? Orange County NY

u/TheXtremeSpike Apr 17, 2026

5.750%

30-Year Fixed

$312,240

Origination $7,927

Points -

Can't Shop $6,245

Can Shop $2,990

Is this good?

u/WorriedBarnacle6859 Apr 17, 2026

6.409%

30-Year Fixed

$520,750

Origination $1,634

Points $3,906 (0.75%)

Can't Shop $785

Can Shop $250

Rate and float down questions

u/Safe_Background2565 Apr 17, 2026

6.125%

30-Year Fixed

$310,250

Origination $1,195

Points -

Can't Shop $1,136

Can Shop $1,823

Looking for feedback

u/Feeling-Operation418 Apr 17, 2026

6.125%

30-Year Fixed

$283,046

Origination -

Points -

Can't Shop -

Can Shop -

First time home buyer (22m)

u/turbocharged5652 Apr 16, 2026

6.150%

30-Year Fixed

$310,000

Origination $3,860

Points $2,480 (0.80%)

Can't Shop $1,197

Can Shop $3,786

First time home buyer central/south FL

u/abstractpolio Apr 16, 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 20, 2026 12:00 AM — LoanGlass

Mortgage Rates Continue to Drop for Sixth Straight Day

According to LoanGlass, the benchmark for 30-Year Fixed mortgages decreased by 0.003% to 6.197% today, reflecting a downward trend over the past week. Reports indicate that the decline in mortgage rates is attributed to the 10-year treasury yield dropping to 4.253% this week ( The Mortgage Reports ). Experts suggest borrowers consider refinancing or exploring flexible loan options to take… ... more

Rates Forecast

Apr 20, 2026 12:00 AM — LoanGlass

Mortgage Rates Forecast: Will Rates Remain Steady or Inch Upwards in the Coming Weeks?

As the 10-Year treasury saw a slight decrease today, hovering at 4.253%, this shift could indicate a potential stabilization or a slight increase in mortgage rates within the next 4 to 8 weeks. With LoanGlass reporting a 30-Year Fixed benchmark rate of 6.198%, showing a slight decrease from yesterday, borrowers may see some stability in rates with a possible uptick. Market analysts predict rates… ... more

Long Range View

Apr 20, 2026 12:00 AM — LoanGlass

Forecast: Mortgage Rates Expected to Continue Slight Decline in Next 3-6 Months

Mortgage rates are anticipated to experience a modest decrease over the next 3 to 6 months, following the trend of the 10-year treasury, which saw a nominal change of -0.0461% from a week ago. With 30-year fixed rates at 6.1978% today, showing a slight decrease from previous weeks, market experts predict rates to hover in the low-to-mid 6% range, potentially dropping below the 6% mark. Various… ... more

Latest Mortgage News

Apr 20, 2026 12:30 PM — Mortgage Rates

Mortgage Rates Almost Perfectly Flat to Start New Week

Mortgage News Daily

Despite initial signs of volatility in financial markets, the bond market held steady over the weekend, keeping mortgage rates close to Friday's levels. MND's rate index saw a small increase of 0.01%, remaining within a narrow range since April 14th. The market is watching for potential volatility in the next 2 days as the Iran war ceasefire expire... more

Apr 20, 2026 10:32 AM — Mortgage Rates

Mortgage Rates Decline Modestly | Today, April 20, 2026

The Mortgage Reports

Mortgage rates fell for the sixth consecutive day, with some lenders approaching a 6% rate due to a drop in the 10-year Treasury yield. This decline in yields has allowed for easier mortgage pricing. Borrowers are advised to see if refinancing or tapping into home equity makes sense. Additionally, potential home buyers are encouraged to explore fin... 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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