Mortgage Rate Trends & Market Data
Explore historical mortgage-rate averages and Treasury yield data for market context. These charts are not a personalized quote or an offer to lend.
Mortgage Rate Trends & Analysis
Track historical mortgage rates and treasury yields to understand market trends and make informed decisions
Treasury vs Mortgage Rates
10-Year Treasury Yield & 30-Year Fixed Mortgage Rate
10-Year Treasury
Loading…30-Year Mortgage
Loading…10-Year Treasury Yield
30-Year Fixed Mortgage
4 Factors That Can Affect Your Mortgage Interest Rate
Common factors a loan officer may review when discussing your available mortgage options
Make a Larger Down Payment
A larger down payment reduces the lender's risk, which can result in a lower interest rate.
Improve Your Credit Score
Your credit score is one of the most important factors in determining your mortgage interest rate.
Improve Your Debt-to-Income Ratio
Lower your DTI ratio to qualify for better rates and loan terms.
Explore Multiple Loan Options
Work with a knowledgeable loan originator to identify your loan choices.
Program guide
2026 California conventional loans
Review county limits, down-payment paths, the DU-versus-manual credit distinction, PMI cancellation, gifts, and seller contributions.
Read the conventional guideProgram guide
2026 California FHA loans
Review all 58 county limits, FHA credit and down-payment rules, mortgage-insurance tiers, closing funds, and special situations.
Read the FHA guideReady to discuss how these factors may affect your options?
Speak with a Loan OfficerPurchase vs. Refinance Rates: What's the Difference?
Purchase Rates
- • Generally slightly lower than refinance rates
- • Program availability differs between purchase and refinance loans
- • Down payment affects rate significantly
- • First-time buyer programs may apply
Refinance Rates
- • Rates based on current home equity
- • Cash-out options typically have higher rates
- • Streamline programs for existing loans
- • No need for down payment
Whether you're buying or refinancing, pricing depends on your complete loan scenario and market conditions.
Ready to Discuss Your Mortgage Options?
Use the calculators to explore payment scenarios, then speak with a licensed loan officer for personalized information.