YOUR MORTGAGE MARKET BRIEF
Mortgage rates.
In perspective.
Mortgage rates, economic releases and practical analysis to help you understand the market—and decide what comes next.
ADVERTISED LENDER RATES
Rates, with the details.
30-year conventional
Conventional Primary · 30 Year Fixed
30-year FHA
FHA · 30 Year Fixed
Instant HELOC
Instant HELOC Primary · HELOC
Fixed second mortgage
2nd Mortgage Primary · 30 Year Fixed
Advertised rate source: The Mortgage Calculator. Published Nov 11, 2026. 1 Unit SFH, $500,000 Purchase Price, $300,000 Loan Amount, 60% LTV, 760 FICO, 40% DTI. Points, fees and lock period are not supplied by the feed; do not assume zero points. Rates shown are advertised examples and can change. View source & terms →
THE BIGGER PICTURE
Follow the market.
Daily close
10-year U.S. Treasury
Treasury yields influence borrowing conditions, but they are not mortgage rates. Loan pricing also reflects mortgage-backed securities, risk, costs and the borrower’s scenario.
FROM THE SOURCE
On the radar.
CPI for all items increases 0.4% in October; shelter rises
Read the article →Payroll employment rises by 165,000 in October; unemployment rate changes little at 4.1%
Read the article →Mortgage Rates Decline for Third Consecutive Week to 7.18%
Read the briefing →U.S. International Trade in Goods and Services, September 2026
Read the briefing →Explore major financial news sources →THE ECONOMIC RECORD
Every release has a bigger story.
Explore 2,714 archived economic releases alongside the mortgage-rate backdrop. Read the original reporting, compare periods and trace the data that shaped the market.
GOOD DECISIONS START HERE
Clear answers to mortgage questions.
Rates & markets · 4 MIN READ
When should you lock a mortgage rate?
Build a rate-lock decision around your closing date, budget and written terms—not a prediction about tomorrow's market.
Read the guide →Rates & markets · 4 MIN READ
Mortgage interest rate vs. APR: how to compare both
Understand the payment rate, the broader borrowing-cost measure and the details that can make a lower advertised rate cost more.
Read the guide →Rates & markets · 4 MIN READ
Are mortgage discount points worth paying?
Calculate the time needed to recover an upfront rate buy-down, then test it against your plans and available cash.
Read the guide →PUT THE NUMBERS TO WORK
A little math.
A lot more confidence.
Mortgage payment
See what a rate change means each month.
Calculate payment →Refinance break-even
Weigh payment savings against closing costs.
Compare options →Home equity
Estimate the room for a second lien.
Explore equity →