Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content
Many or all of the products here are from our partners that pay us a commission. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

The Ascent's Mortgage Rates Tracking Methodology

The Ascent team partners with market-leading data provider Optimal Blue to track the 7 day average of daily mortgage rates that actual borrowers are locking in nationwide. By utilizing this proprietary data our readers are given unique insight into actual mortgage rates secured with nearly 40% of the US mortgage market represented. This methodology ensures that rate averages displayed on site represent a strong portion of the overall market

The displayed rates include both the base offer rate (Interest Rate) and the average points paid or credits received by the borrower. These data points are averaged on a trailing basis for the last 7 days and updated daily to reflect any changes to that 7-day trailing average. This ensures that rates reflect a broader statistically significant set of actual locked rates for each mortgage type and specific location. See below for more on The Ascent’s mortgage rates tracking methodology, including the rates we track and the cadence they are updated on site.

National/State Mortgage Rates Tracking Methodology

The following purchase and refinance rates displayed on site are tracked both nation wide and for specific states daily and published the following weekday morning at 6am EST. State by state breakdowns only includes the product types (ex: 30 year fixed, 5/1 ARM, etc) that had more than 5 locks within the last 7 days to ensure rates represent a significant enough sample size.

Purchase Rates Refinance Rates
30 Year Fixed 30 Year Fixed
30 Year Fixed - Jumbo Loans 30 Year Fixed - Jumbo Loans
30 Year Fixed - VA Loans 30 Year Fixed - VA Loans
30 Year Fixed - FHA Loans 30 Year Fixed - FHA Loans
20 Year Fixed 20 Year Fixed
15 Year Fixed 15 Year Fixed
7/1 ARM 7/1 ARM
5/1 ARM 5/1 ARM