US Mortgage Rates
Today’s rates by state.
National averages across six loan products, plus a state-level adjustment so the number you see matches what your lender is actually quoting. As of 2026-05-21.
Source: Indicative snapshot · Updated 16h ago · Indicative rates — live feed unavailable
National averages
30-yr Fixed
6.51%
15-yr Fixed
5.85%
5/1 ARM
6.21%
FHA 30-yr
6.51%
VA 30-yr
6.28%
Jumbo 30-yr
7.12%
State-level adjustment
30-yr Fixed
6.59%
+8 bps vs national
15-yr Fixed
5.93%
+8 bps vs national
5/1 ARM
6.29%
+8 bps vs national
FHA 30-yr
6.59%
+8 bps vs national
VA 30-yr
6.36%
+8 bps vs national
Jumbo 30-yr
7.20%
+8 bps vs national
Insurance carry adds visible monthly drag; rate spread reflects hurricane exposure.
30-yr fixed · 12-week trend