Today’s U.S. Regional Mortgage Rate Index
The mortgage rate index
for 2026-05-24.
A daily index of U.S. mortgage rates — 30-year fixed, 15-year, FHA, VA and ARM —
averaged from rates lenders advertise publicly across all 50 states. Informational only.
Not a quote. Not a lender.
51 states & DC
5 regional indexes
A derived statistical average — not a rate quote, not an
offer to lend, not a rate available to any borrower. 30YearMortgageRates.com is an
independent publisher of mortgage-market information, not a lender or broker.
Methodology & disclosures →
National Index
Today’s U.S. mortgage rates — every loan type
A simple daily average of the rates lenders advertise publicly across the
country, by loan type.
| Loan type | Index rate | Index APR | Today’s range | Sample |
|---|---|---|---|---|
| 0130-Year Fixed | 6.54% | 6.93% | 6.13% – 7.13% | 64 pts · 52 states |
| 0215-Year Fixed | 5.83% | 6.46% | 5.38% – 6.13% | 63 pts · 52 states |
| 03FHA 30-Year | 6.07% | 7.05% | 5.63% – 6.63% | 57 pts · 52 states |
| 04VA 30-Year | 6.03% | 6.59% | 5.13% – 6.75% | 67 pts · 52 states |
| 05Adjustable (ARM) | 5.95% | 6.50% | 5.13% – 6.63% | 86 pts · 52 states |
A government bond yield — the benchmark long-term fixed mortgage rates
track. Shown as context only; it is not a mortgage rate and is not part of the averaged index.
Source: U.S. Department of the Treasury — Daily Treasury Par Yield Curve.
Regional Spread
Today’s rate by U.S. region
The country split into five regions. The gap between the highest and lowest
regional reading is itself the story — here is where each region sits today.
| Region | 30-Yr Fixed | 30-Yr APR | Coverage | Sample |
|---|---|---|---|---|
| Southern | 6.53% | 6.92% | 12/12 states | 80 pts |
| Southwest | 6.46% | 6.82% | 4/4 states | 40 pts |
| Midwest | 6.55% | 6.93% | 12/12 states | 87 pts |
| Northeast | 6.62% | 6.99% | 12/12 states | 77 pts |
| Western | 6.51% | 6.92% | 11/11 states | 74 pts |
Click a region for the full daily board (30-yr, 15-yr, FHA, VA, ARM with day’s range).
National spread chart & week’s movement →
Market read
Over the last 10 business days the 10-Year Treasury — the benchmark long-term fixed mortgage rates track — is up 14 bp, now 4.56%.
4.56%
Methodology
How this index is built
This index is compiled entirely from mortgage interest rates that lenders advertise publicly on their own websites. Each business day we collect those publicly-posted rates across the states in each region, group them by loan type, and publish the simple average. These are real, published numbers — not estimates, not invented, not privately sourced. Individual lenders are not named. Each figure is a snapshot as of the date shown.
Compliance & regulatory framework
An independent publisher — not a lender, broker, or originator.
30YearMortgageRates.com is structured to comply with every federal and state
regulatory framework applicable to a publisher of mortgage-market information — TILA/Reg Z,
Reg N (MAP), RESPA Section 8, ECOA/Reg B, Fair Housing Act, GLBA, FCRA/FACTA, FTC Section 5 &
Endorsement Guides, CAN-SPAM/TCPA, ADA Title III/WCAG 2.1 AA, DMCA, the SAFE Act, and the
mortgage-licensing & advertising statutes of all 50 states and the District of Columbia.
No paid placement. No lender pays for inclusion. Informational only — not a quote, not an
offer to lend.
The U.S. Regional Mortgage Rate Index — an independent, daily, publicly-sourced
average of mortgage interest rates across all 50 states.
⌂ Equal Housing Opportunity
30YearMortgageRates.com is an independent publisher of mortgage-market information.
It is not a mortgage lender, broker, bank, or loan originator. It does not take applications and does
not originate, offer, broker, or arrange loans. The U.S. Regional Rate Index is a derived statistical
average of rates lenders advertise publicly — not a quote, not an offer, and not a rate available
to any specific borrower. Always verify any rate with a licensed lender before relying on it.