Today’s Mortgage Rates
Rates reflect the latest available data from the Federal Reserve Bank of St. Louis
Rates reflect the latest available data from the Federal Reserve Bank of St. Louis
| Loan Type | Data Series | Frequency | Citation |
|---|---|---|---|
| 30‑Yr Conforming | OBMMIC30YF | Daily | Optimal Blue via FRED, St. Louis Fed |
| 15‑Yr Conforming | OBMMIC15YF | Daily | Optimal Blue via FRED, St. Louis Fed |
| 30‑Yr FHA | OBMMIFHA30YF | Daily | Optimal Blue via FRED, St. Louis Fed |
| 30‑Yr Jumbo | OBMMIJUMBO30YF | Daily | Optimal Blue via FRED, St. Louis Fed |
Why OBMMI? Optimal Blue’s Mortgage Market Indices are built from actual locked loans representing roughly one‑third of all U.S. mortgage transactions. They’re the only freely available daily series for conforming, FHA and jumbo products—ideal for charting fine‑grain movements.
Timing. We update rates every weekday at
9 AM ET (UTC–4) / 6 AM PT (UTC–7). Weekends and federal holidays
have no new OBMMI prints.
Assumptions. Top‑tier borrower (≈ 740 FICO, ≤ 80 % LTV, owner‑occupied), one discount point.
Accuracy. Historic rows remain unchanged if the source revises data. Numbers are rounded to two decimals for consumer readability.
Today’s headline numbers (shown above the chart) are the latest available data from the Federal Reserve Bank of St. Louis and updated here once per day. Historical data in the chart come from the Optimal Blue Mortgage Market Indices (OBMMI). Freddie Mac’s PMMS weekly survey is monitored for additional context but is not included in the daily dataset.