See how mortgage rates have been moving, why they're shifting, and what that means for the timing of your next move.
Track how rates have changed over different time periods.
Rates decreased following Federal Reserve policy signals
Gradual increase due to economic strengthening
Overall upward trend with periodic volatility
Significant increase from historic lows
These trends show national average rate movements for educational purposes. Actual rates vary based on individual qualifications, loan terms, and lender.Learn about our methodology →
Multiple economic and market factors influence mortgage rate movements.
Fed rate decisions and monetary policy guidance significantly impact mortgage rates
Employment, inflation, and GDP growth data influence investor sentiment
10-Year Treasury yields often correlate with mortgage rate movements
Supply, demand, and housing price trends affect lending conditions
International economic and political events can create market volatility
Spring buying season and year-end patterns influence demand
While nobody can predict future rates, understanding trends can help inform your decisions.
Rate trend data is compiled from multiple sources including Mortgage Bankers Association (MBA), Freddie Mac Primary Mortgage Market Survey (PMMS), and MBS Live market data. Trends represent national averages for educational purposes and may not reflect rates available to individual borrowers. Actual rates depend on loan program, down payment, credit score, debt-to-income ratio, and other factors.Learn more about our rate methodology →
While market trends provide context, your actual rate depends on your unique situation. Speak with our licensed professionals for personalized guidance.