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.

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.