Western Region
Western
rate index.
Averaged from rates lenders advertise publicly across 11
of 11 states in the Western region.
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 →
Western
Western index — every loan type
| Loan type | Index rate | Index APR | Today’s range | Sample |
|---|---|---|---|---|
| 0130-Year Fixed | 6.40% | 6.81% | 6.00% – 6.75% | 13 pts · 12 states |
| 0215-Year Fixed | 5.69% | 6.35% | 5.38% – 6.00% | 13 pts · 12 states |
| 03FHA 30-Year | 5.97% | 6.96% | 5.88% – 6.00% | 11 pts · 11 states |
| 04VA 30-Year | 5.91% | 6.50% | 5.25% – 6.00% | 13 pts · 12 states |
| 05Adjustable (ARM) | 5.90% | 6.47% | 5.13% – 6.13% | 20 pts · 12 states |
States in this region: AK, CA, CO, HI, ID, MT, NV, OR, UT, WA, WY.
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.
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The other indexes
Every index updates each business day. Jump to another region, or open the
national reading.
Southern
View the Southern index →
Southwest
View the Southwest index →
Midwest
View the Midwest index →
Northeast
View the Northeast index →
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.