Today's Mortgage Rates
Compare rates from top lenders — updated daily
Data as of 2026-05-05 · Source: Federal Reserve (FRED)
30-Year Fixed
6.690%
APR6.840%
Points0.0
vs last week-1 bps
Updated: 2026-05-05
15-Year Fixed
6.040%
APR6.190%
Points0.0
vs last week+12 bps
Updated: 2026-05-05
5/1 ARM
6.090%
APR6.240%
Points0.0
vs last week-2 bps
Updated: 2026-05-05
FHA Loan
6.390%
APR6.540%
Points0.0
Updated: 2026-05-05
90-Day Rate Trend · Source: Federal Reserve Economic Data (FRED)
比较贷款机构
顶级房贷机构今日最优利率
| 贷款机构 | 30yr | 15yr | ARM | FHA | 立即申请 |
|---|---|---|---|---|---|
| ⚓Navy Federal CU | 6.450% | 5.800% | 5.650% | 6.000% | 立即申请 |
| 🗽Freedom Mortgage | 6.500% | 5.850% | 5.700% | 6.050% | 立即申请 |
| 🏘PennyMac | 6.525% | 5.875% | 5.750% | 6.100% | 立即申请 |
| 🏡United Wholesale Mortgage | 6.550% | 5.900% | 5.800% | 6.150% | 立即申请 |
| ✨Better Mortgage | 6.550% | 5.900% | 5.800% | 6.150% | 立即申请 |
| 🏠Rocket Mortgage | 6.575% | 5.950% | 5.825% | 6.200% | 立即申请 |
| 🏠loanDepot | 6.600% | 6.000% | 5.900% | 6.250% | 立即申请 |
| 🏠NewRez | 6.625% | 6.025% | 5.925% | 6.275% | 立即申请 |
| 🏦Chase | 6.650% | 6.050% | 5.950% | 6.300% | 立即申请 |
| 🏦Wells Fargo | 6.690% | 6.075% | 5.950% | 6.325% | 立即申请 |
| 🏦Bank of America | 6.700% | 6.100% | 6.000% | 6.350% | 立即申请 |
| 🏛Citizens Bank | 6.750% | 6.150% | 6.050% | 6.400% | 立即申请 |
Frequently Asked Questions
What is a good mortgage rate today?+
A good mortgage rate today depends on loan type and credit score. The average 30-year fixed rate is around 6.50-6.75% as of April 2026, down from 7%+ peaks as the Fed cut rates to 3.875%. Borrowers with excellent credit (760+) typically qualify for rates below the national average.
How do I get the lowest mortgage rate?+
To get the lowest rate: improve your credit score above 760, make a 20%+ down payment, compare multiple lenders, consider buying points, and choose a shorter loan term.
What is the difference between APR and interest rate?+
The interest rate is the cost of borrowing the principal. APR (Annual Percentage Rate) includes the interest rate plus other fees, giving a more complete picture of the loan cost.
How often do mortgage rates change?+
Mortgage rates can change daily or even multiple times per day in response to economic data and Federal Reserve policy decisions.
Should I lock my mortgage rate?+
Rate locks typically last 30-60 days and protect you from rate increases. If rates are rising or you've found an acceptable rate, locking in makes sense.