Mortgage Rates Today
Daily national average mortgage rates.
As of, 09/24/26, the current national average 30-year fixed mortgage interest rate is 7.03%. Rates below reflect the last twelve months for 15-year and 30-year fixed products (purchase).
Source: Freddie Mac Primary Mortgage Market Survey, via FRED.
Go beyond average
As a digital-first bank, we eliminate the overhead of traditional branches, passing the savings on to you through highly competitive rates on home purchases and refinances.
10-year fixed
6.250% Rate
6.824% APR
15-year fixed
6.250% Rate
6.677% APR
20-year fixed
6.500% Rate
6.844% APR
30-year fixed
6.500% Rate
6.761% APR
How to get the best mortgage rate.
Mortgage rates fluctuate based on broader economic trends, but your individual rate is largely determined by your personal financial profile.
Optimize your credit score
Your credit score is one of the most significant factors lenders review. Typically, a score of 740 or higher qualifies you for the most competitive conventional rates.
Maximize your down payment
A larger down payment reduces the lender's risk, which often translates to a lower interest rate for you.
Lower your debt-to-income (DTI) ratio
Lowering your DTI by paying off car loans, student debt, or credit cards can significantly improve the rates you are offered.
Consider shorter loan terms
Shorter terms historically offer substantially lower interest rates and will save you thousands of dollars in interest over the life of the loan.
Don't miss the optimal window to buy or refinance. Get customized mortgage rate alerts delivered directly to you.
Mortgage rates fluctuate daily based on complex market conditions. Sign up for the Axos Bank Rate Watch to receive timely updates on home purchase and refinance rates. We monitor the market, so you can make your move with confidence.
Buy or refinance with confidence.
Homeownership should be straightforward, affordable, and rewarding—and we’re here to make the process effortless. With innovative tools, expert guidance, and personalized solutions, you can move forward with conviction and ease.
Purchase your home
Land a dream home with low rates, tailored plans, and fast closings.
- Close-of-Escrow Guarantee: A smarter, simpler close that keeps you moving forward.2
- $0 lender fee: We’ll waive your lender fees up to $950.1
- HomeAdvantage Cash Rewards: Earn 20% of your agent's commission when you close with us.3
Refinance your home
Enjoy customized help and tools with a seamless digital experience.
- Lower Payments: Refinancing to a new mortgage with a lower interest rate can significantly reduce your monthly payment.
- Access Needed Cash: Borrow a lump sum of money against your home's equity for major one-time expenses like home renovations.
- Consolidate Debt: Pay off credit cards, student loans, medical bills, and other large debts.
Frequently Asked Questions on Mortgage Rates
What are mortgage rates today?
What is the current 30 year mortgage rate?
What are adjustable mortgage rates?
An Adjustable-Rate Mortgage (ARM) starts with a lower, fixed interest rate for the first few years—usually 5 or 7 years. After that, your rate can adjust up or down based on the market. ARMs often have lower starting rates than 30-year fixed loans.
How are mortgage rates determined?
How do I get the best mortgage rate?
To beat the national average and secure the lowest possible rate, focus on these three steps:
Boost your credit score: Pay bills on time and lower your credit card balances.
Save a larger down payment: Putting more money down lowers the lender's risk, which often earns you a better rate.
Choose a digital bank: Axos Bank doesn't have the high costs of traditional branch locations. Our streamlined, online approach lets us pass those savings directly to you through highly competitive rates.