economy
What are today's mortgage interest rates: April 14, 2026?
We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms.
TL;DR
- Average 30-year mortgage purchase rate: 6.12%
- Average 15-year mortgage purchase rate: 5.62%
- Average 30-year mortgage refinance rate: 6.48%
- Average 15-year mortgage refinance rate: 5.73%
- Inflation and geopolitical tensions are hindering potential Federal Reserve interest rate cuts, impacting mortgage rate declines.
- Current mortgage rates are slightly lower than at similar points in 2025 and 2024.
- Shopping around online can lead to rates up to 1% lower than average, particularly for those with good credit.
- Consider closing costs for refinancing and explore alternative term lengths like 20-year loans.