Mortgage Rate Watch

Weekly mortgage rate analysis using Federal Reserve data. Track trends in 30-year fixed, 15-year fixed, and 5/1 ARM rates to help you decide when to refinance.

Rate Disclaimer: Rates shown are national averages from Federal Reserve data sources. Your actual rate will depend on your credit score, loan amount, down payment, and lender. Rates change daily. View current rates.

May 13, 2026

Mortgage Rate Watch: Week of May 13, 2026

Mortgage rates moved higher across all three major loan types for the week of May 13, 2026, with the 30-year fixed reaching 6.37%, the 15-year fixed at 5.72%, and the 5/1 ARM at 6.06%, according to FRED. The 10-year Treasury yield of 4.46% continues to influence mortgage pricing, keeping rates elevated relative to recent years. Homeowners considering a refinance should weigh current rates against their existing loan and use a refinance calculator to determine whether the numbers make sense for their situation.

May 8, 2026

Mortgage Rate Watch: Week of May 8, 2026

Mortgage rates moved slightly higher for the week ending May 8, 2026, with the 30-year fixed climbing to 6.37%, the 15-year fixed at 5.72%, and the 5/1 ARM at 6.06%. Rising Treasury yields appear to be the main driver, though changes were modest across all three products. Here is what the latest data means for refinancers weighing their next move.

May 1, 2026

Mortgage Rate Watch: Week of May 1, 2026

Mortgage rates ticked higher for the week ending May 1, 2026, with the 30-year fixed at 6.30%, the 15-year fixed at 5.64%, and the 5/1 ARM at 6.06%. With the 10-Year Treasury at 4.39% and the Fed Funds Rate at 3.64%, here is what the latest numbers may mean for homeowners weighing a refinance.

April 24, 2026

Mortgage Rate Watch: Week of April 24, 2026

Mortgage rates moved in mixed directions for the week ending April 24, 2026, with the 30-year fixed falling to 6.23% and the 15-year fixed dropping to 5.58%, while the 5/1 ARM climbed to 6.06%. We break down what changed, how the Fed Funds Rate and 10-Year Treasury context explain the move, and what it means for homeowners considering a refinance.

April 17, 2026

Mortgage Rate Watch: Week of April 17, 2026

Mortgage rates eased again for fixed-rate loans during the week of April 17, 2026, with the 30-year fixed falling to 6.30% and the 15-year to 5.65%, while the 5/1 ARM moved up to 6.06%. With the 10-Year Treasury at 4.26% and the Fed Funds Rate at 3.64%, we break down what moved markets and what it means for refinancers weighing whether to lock or wait.

April 10, 2026

Mortgage Rate Watch: Week of April 10, 2026

Mortgage rates moved mixed for the week ending April 10, 2026, with the 30-year fixed dropping to 6.37% and the 15-year fixed easing to 5.74%, while the 5/1 ARM ticked up to 6.06%. With the 10-Year Treasury at 4.31% and the Fed Funds Rate at 3.64%, here is what the latest data may mean for refinancers weighing their next move.

April 3, 2026

Mortgage Rate Watch: Week of April 3, 2026

Mortgage rates ticked higher during the week ending April 3, 2026, with the 30-year fixed reaching 6.46% and the 5/1 ARM posting the largest weekly increase. With the 10-Year Treasury at 4.35% and the Fed Funds Rate at 3.64%, we break down what moved and what it means for refinancers.

March 30, 2026

Mortgage Rate Watch: Week of March 21, 2026

Mortgage rates climbed across all three major loan types during the week of March 21, 2026, with the 30-year fixed rising to 6.38%, the 15-year fixed reaching 5.75%, and the 5/1 ARM hitting 6.06%. A 10-Year Treasury yield of 4.42% and a Federal Funds Rate of 3.64% are key factors shaping where rates stand today. Homeowners considering a refinance should weigh current market conditions carefully and use available tools to estimate whether refinancing makes financial sense at current rates.

March 30, 2026

Mortgage Rate Watch: Week of March 14, 2026

Mortgage rates rose across all three major loan types during the week of March 14, 2026, with the 30-year fixed climbing to 6.38% and the 15-year fixed reaching 5.75%. The increases come against a backdrop of a 10-Year Treasury yield at 4.42% and a Federal Funds Rate of 3.64%. Homeowners considering a refinance should review their current rate and run the numbers to see whether today's rates still offer a meaningful opportunity.

March 30, 2026

Mortgage Rate Watch: Week of March 7, 2026

Mortgage rates climbed for the week of March 7, 2026, with the 30-year fixed rate rising to 6.38%, the 15-year fixed reaching 5.75%, and the 5/1 ARM moving up to 6.06%. A 10-Year Treasury yield of 4.42% and a Federal Funds Rate of 3.64% are key factors shaping where rates stand today. Homeowners considering a refinance should weigh their current rate, break-even timeline, and financial goals before deciding whether to act now or wait.

March 29, 2026

Mortgage Rate Watch: Week of March 29, 2026

Mortgage rates climbed across all three major loan types during the week of March 29, 2026, with the 30-year fixed rate rising to 6.38% and the 15-year fixed reaching 5.75%. The increases come as the 10-Year Treasury yield holds at 4.42% and the Federal Funds Rate sits at 3.64%. Homeowners considering a refinance should review current rates against their existing loan terms to determine whether action makes sense right now.

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These analyses are for educational purposes only and do not constitute financial advice. Consult a licensed mortgage professional for personalized guidance. Wirly is not a lender or mortgage broker.