View current conventional rate trends and start your application when you’re ready.
Rate information
This page shows conventional market-trend information rather than an individualized mortgage quote.
Rates, terms, and savings shown are estimates for educational purposes only and may vary based on your credit profile, property value, loan type, and market conditions.
Your actual rate, APR, payment, and closing costs depend on credit profile, loan amount, equity, occupancy, property type, lock period, and market conditions.
IRRRL1 is not affiliated with any government agency, including the Department of Veterans Affairs. IRRRL1 is an Equal Housing Lender. NMLS #2530539.
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: April 13, 2026
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.