What is the current 30-year fixed mortgage rate national average?

The RallyRates Index 30-year-fixed headline market rate is 6.716% (13 sourced lender(s)) as of 2026-08-20. Market rates are real (Optimal Blue OBMMI, daily, via FRED); lender coverage is thin and shown honestly. Not live quotes or offers, and not for use in any lending or financial decision.

Does RallyRates take money from lenders or route you to a lender application?

RallyRates reports lender names + rates + provenance. It does not link out to lender application portals and takes no compensation from the lenders it rates. Market rates are real (Optimal Blue OBMMI, daily, via FRED); lender coverage is thin and shown honestly. Not live quotes or offers, and not for use in any lending or financial decision.

RallyRates — Where mortgage rates are

LIVE · THINMarket rates real (Optimal Blue OBMMI, daily) · lender coverage thin & shown honestly · 0 paid placements

RallyRates

Where mortgage rates are — reported, not routed.

▸ OPEN THE RATE TERMINAL — board · index · ask · calc

No lender money · ranking cannot read who pays

RALLYRATES INDEX · 2026-08-12

6.716%

30-Yr Fixed · Conforming (Optimal Blue OBMMI)
13 sourced lender(s) · real market rate (OBMMI, daily)

Product rates are the real Optimal Blue OBMMI market indices (daily, via FRED). Sourced lender rows each carry a stamped source_hash; the panel fills as real lenders are sourced. Pull the board at /api/rates.json.

Product	Market rate	Panel APR	Panel low–high	Lenders	Receipt
30yr Fixed · Conforming	6.716%	6.727	5.750–7.000	6	receipt
20yr Fixed · Conforming	6.466%	6.553	5.990–6.875	4	receipt
15yr Fixed · Conforming	6.012%	6.200	5.375–6.375	6	receipt
10yr Fixed · Conforming	5.958%	6.151	5.625–6.250	3	receipt
30yr Fixed · Jumbo	6.748%	6.626	6.125–6.875	4	receipt
15yr Fixed · Jumbo	6.125%	6.237	5.875–6.375	3	receipt
30yr Fixed · FHA	6.483%	7.442	6.125–6.125	1	receipt
15yr Fixed · FHA	5.500%	6.964	5.500–5.500	1	receipt
30yr Fixed · VA	6.353%	6.362	5.875–6.125	2	receipt
15yr Fixed · VA	5.438%	6.022	5.375–5.500	2	receipt
5-yr ARM	6.000%	6.240	6.000–6.000	1	receipt
7-yr ARM	6.375%	6.820	6.125–6.625	2	receipt
10-yr ARM	6.562%	6.814	6.375–6.750	2	receipt

Machine-readable surface

/api/rates.json— full stamped board, every record + citation

/api/index.json— the RallyRates Index, headline + per-product

/api/rates.csv— full board as CSV

/llms.txt— machine-reader front door

We report where rates are — we don't route you to a lender or take a cut of your loan. RallyRates takes no money from the lenders it rates. Names and rates are shown plainly; there are no application links and no lead-generation.