Average Mortgage Rates in U.S.*
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Last updated: 04/21/2026
*OPTIMAL BLUE MORTGAGE MARKET INDICES - Calculated from actual locked rates with consumers across more than one-third of all mortgage transactions closed nationwide, OBMMI provides multiple mortgage pricing indices developed around the most popular mortgage products and specific borrower attributes and provides configurable trending of rates over time.






© 2026 Based on information from Willamette Valley Multiple Listing Service, which neither guarantees nor is in any way responsible for its accuracy. All data is provided ‘AS IS’ and with all faults. Data maintained by Willamette Valley Multiple Listing Service may not reflect all real estate activity in the market. IDX Data is provided exclusively for consumers’ personal, non-commercial use, and it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed accurate.