View current conventional rate trends and start your application when you’re ready.
Explore daily market indices from Optimal Blue OBMMI™. Data reflects actual locked rates and updates daily.
Rates data via Optimal Blue OBMMI™, updated daily.
Rates data via Optimal Blue OBMMI™. Represents a large portion of U.S. mortgage lock activity and updates daily. Displayed values are for informational purposes only and do not constitute a loan offer. Actual rates depend on credit profile, LTV, loan amount, and market conditions.
Last updated: November 5, 2025
What affects my conventional rate?
Credit score, LTV, loan amount, and points can impact pricing.
Can I avoid PMI?
With 20% down (or sufficient equity), conventional loans typically avoid PMI.
Fixed vs ARM?
Fixed offers payment stability; ARMs can offer lower initial rates with adjustments later.