Mortgage Rate History
Track how mortgage rates have moved over time. This chart shows the lowest available rates without points for Conventional, FHA, and VA loans — updated daily.
Benchmark scenarios: Conventional (80% LTV, 780 FICO), FHA (96.5% LTV, 680 FICO), VA (100% LTV, 680 FICO). All 30-year fixed, single-family, primary residence, no points. Rates shown are the closest to par (0 points) across all lenders in our network.
Understanding Mortgage Rate Trends
Mortgage rates fluctuate daily based on market conditions, Federal Reserve policy, and broader economic factors. Conventional, FHA, and VA loans each respond differently to market changes due to their distinct risk profiles and government backing.
- Conventional rates closely track the 10-year Treasury yield and are influenced by Fannie Mae and Freddie Mac pricing.
- FHA rates are often lower than conventional for borrowers with lower credit scores due to government insurance, but carry mortgage insurance premiums.
- VA rates are typically the lowest available thanks to the VA guaranty, with no down payment or mortgage insurance required.
This rate history tracks our benchmark scenarios daily. For your specific scenario, use our pricing tool to get real-time quotes from hundreds of lenders.