Live Mortgage
Yield Monitoring.
Real-time synchronization with secondary market yields. We track the spreads so you don't have to.
Market Pulse
Extremely Active
Updated
Jun 16, 10:42 AM
Today's Rates
| Product | Current Rate | Weekly Change | APR |
|---|---|---|---|
| 30-Year Fixed | 6.52% | +0.04% | 6.59% |
| 15-Year Fixed | 5.84% | +0.05% | 5.91% |
| FHA Loan | 6.62% | +0.04% | 7.40% |
| VA Loan | 6.27% | +0.04% | 6.34% |
| 5/1 ARM | 6.06% | +0.11% | 6.13% |
Rate Methodology
These rates represent a national average for borrowers with high credit scores and a 20% down payment. Individual rates depend on your unique financial profile, which Lowi AI calculates instantly via KwaliPass™.
Market Analysis
Latest moves from the markets we track.
What drives mortgage rates?
Understanding the mechanics behind the daily movement.
10-Year Treasury Yield
The primary benchmark. When yields rise, mortgage rates almost always follow.
Inflation Data (CPI)
Inflation erodes the value of fixed-income assets, pushing secondary markets higher.
Federal Reserve
While the Fed doesn't set mortgage rates, their policy shifts the cost of capital.
Secondary Spreads
The 'risk premium' lenders add on top of base bond yields to cover ops and risk.
Lowi AI
Rate Commentary
Set Rate Alert Commentary generated by Lowi AI from Freddie Mac rate data. Informational only, not financial advice and not a prediction of future rates.
Data Integrity
Authoritative Sources
Our rates engine aggregates data from the primary sources of truth in the mortgage industry.