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Daily Mortgage Rates
Mortgage rates today put the 30-year fixed at 6.65% and the 15-year fixed at 5.99%, sourced from Optimal Blue (OBMMI) via FRED. We track mortgage rates today every market day with a fresh analysis, lock-or-float guidance, and the math behind your payment.
Today's Analysis · August 18, 2026
Mortgage Rates Today: Daily 30-Year Rate 6.65% Aug 18 2026
Mortgage rates today: 30-year fixed at 6.65%, 15-year at 5.99%, 5/1 ARM APR at 6.26%. See today's analysis, refinance math, and lock-in advice for…
Read the full analysis → 30-Year Fixed
6.65%
as of August 14, 2026
15-Year Fixed
5.99%
Optimal Blue · FRED
5/1 ARM
6.26%
Bankrate
Recent Daily Rate Analysis
17AUGMortgage Rates Today: Daily 30-Year Rate 6.64%6.64%16AUGMortgage Rates Today: Daily 30-Year Rate 6.64%6.64%15AUGMortgage Rates Today: Daily 30-Year Rate 6.64%6.64%14AUGMortgage Rates Today: Daily 30-Year Rate 6.65%6.65%13AUGMortgage Rates Today: Daily 30-Year Rate 6.70%6.70%12AUGMortgage Rates Today: Daily 30-Year Rate 6.70%6.70%11AUGMortgage Rates Today: Daily 30-Year Rate 6.64%6.64%10AUGMortgage Rates Today: Daily 30-Year Rate 6.69%6.69%09AUGMortgage Rates Today: Daily 30-Year Rate 6.69%6.69%08AUGMortgage Rates Today: Daily 30-Year Rate 6.69%6.69%07AUGMortgage Rates Today: Daily 30-Year Rate 6.65%6.65%06AUGMortgage Rates Today: Daily 30-Year Rate 6.67%6.67%05AUGMortgage Rates Today: Daily 30-Year Rate 6.71%6.71%04AUGMortgage Rates Today: Daily 30-Year Rate 6.72%6.72%03AUGMortgage Rates Today: Daily 30-Year Rate 6.65%6.65%Load 15 more ↓
02AUGMortgage Rates Today: Daily 30-Year Rate 6.65%6.65%01AUGMortgage Rates Today: Daily 30-Year Rate 6.65%6.65%31JULMortgage Rates Today: Daily 30-Year Rate 6.67%6.67%30JULMortgage Rates Today: Daily 30-Year Rate 6.62%6.62%29JULMortgage Rates Today: Daily 30-Year Rate 6.65%6.65%28JULMortgage Rates Today: Daily 30-Year Rate 6.65%6.65%27JULMortgage Rates Today: Daily 30-Year Rate 6.68%6.68%26JULMortgage Rates Today: Daily 30-Year Rate 6.68%6.68%25JULMortgage Rates Today: Daily 30-Year Rate 6.63%6.63%24JULMortgage Rates Today: Daily 30-Year Rate 6.63%6.63%23JULMortgage Rates Today: Daily 30-Year Rate 6.60%6.60%22JULMortgage Rates Today: Daily 30-Year Rate 6.56%6.56%21JULMortgage Rates Today: Daily 30-Year Rate 6.54%6.54%20JULMortgage Rates Today: Daily 30-Year Rate 6.56%6.56%19JULMortgage Rates Today: Daily 30-Year Rate 6.56%6.56%Methodology
How We Analyze Mortgage Rates Today
Authoritative Data
Rates come from the Optimal Blue OBMMI via FRED and the Freddie Mac PMMS — the same sources lenders track.
Daily Market Updates
A fresh reading and analysis every business day, so you see where mortgage rates today stand right now — not last week.
Expert Economic Analysis
We track the 10-year Treasury yield and Federal Reserve policy to explain why rates moved and where they may head.
Editorial Standards
Every analysis is written in plain language with real payment math — direct lock-or-float guidance, no jargon, no fluff.
For the weekly outlook on mortgage rates today, see our Mortgage Rate Forecast page, or compare all loan types on our Mortgage Rates page.
FAQ
Frequently Asked Questions
What are mortgage rates today?
Mortgage rates today put the 30-year fixed at 6.65% and the 15-year fixed at 5.99%, based on the Optimal Blue Mortgage Market Indices (OBMMI) via FRED. The 5/1 ARM is around 6.26%. Rates shown are interest rates, not APR.
How often are mortgage rates updated?
We refresh the rates and publish a new daily analysis every business day. Optimal Blue's OBMMI index updates daily on market days, so figures reflect the most recent published reading.
What moves mortgage rates today?
Mortgage rates today track the 10-year Treasury yield far more closely than the federal funds rate. Inflation data, jobs reports, Fed guidance, and bond-market supply all push the 10-year — and mortgage rates follow with a short lag.
What's the difference between daily and weekly mortgage rates?
Daily rates from Optimal Blue reflect real-time lender locks and are best for timing your rate lock. Weekly averages from Freddie Mac's PMMS, published every Thursday, are better for tracking the broader trend.
