The National Index
The U.S. mortgage
rate index.
The national reading — a simple average of the rates lenders advertise
publicly across all 50 states and the District of Columbia, by loan type.
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
Today’s index — every loan type
The national reading across the five tracked products, each a simple
average of rates lenders advertise publicly.
| Loan type | Index rate | Index APR | Today’s range | Sample |
|---|---|---|---|---|
| 0130-Year Fixed | 7.31% | 7.71% | 7.00% – 7.75% | 64 pts · 52 states |
| 0215-Year Fixed | 6.73% | 7.36% | 6.38% – 7.25% | 63 pts · 52 states |
| 03FHA 30-Year | 7.00% | 8.02% | 6.75% – 7.38% | 56 pts · 52 states |
| 04VA 30-Year | 7.03% | 7.61% | 6.25% – 7.63% | 66 pts · 52 states |
| 05Adjustable (ARM) | 6.31% | 6.96% | 5.63% – 7.00% | 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.
Market read
This week in rates
The national 30-year fixed index reads 7.31% today. Over the last 10 business days the 10-Year Treasury — the benchmark long-term fixed mortgage rates track — has eased 5 basis points, from 5.26% to 5.21%. The index is down 5 basis points from a week ago.
7.31%
5.21%
Movement is shown for context only. The index is a derived average of
publicly-advertised rates — not a quote, not an offer, not a rate available to any borrower.
The 10-Year Treasury is a government bond yield, not a mortgage rate.
By region
The national spread
The index splits the country into five regions. The gap between the
highest and lowest regional reading is itself the story — here is where each one sits today.
Bars scaled to the spread between the lowest and highest regional
30-year index today (7.27% – 7.38%).
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.