Mortgage Rates Today — April 21, 2026
30-Year Fixed
6.187%
OBMMIC30YF — Freddie Mac via FRED
Day Change
Unchanged
Week Change
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Benchmark Rates — April 21, 2026
| 30yr Fixed | 6.187% |
| 15yr Fixed | 5.486% |
| FHA 30yr | 6.017% |
| VA 30yr | 5.805% |
| Jumbo 30yr | 6.433% |
| 10yr Treasury | 4.260% |
| 30yr / Treasury Spread | 193 bps |
Source: Optimal Blue Mortgage Market Indices (OBMMI) via FRED. 10yr Treasury via FRED series DGS10.
30yr Fixed by Credit Score
20% down payment — LTV ≤ 80%
| Credit Score | Rate |
|---|---|
| 740+ | 6.091% |
| 720–739 | 6.157% |
| 700–719 | 6.167% |
| 680–699 | — |
| <680 | 6.342% |
OBMMI segmented series from Freddie Mac via FRED. Rates reflect actual locked mortgage rates.
Day-Over-Day Change
Unchanged
Week-Over-Week Change
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Rate Summary
On April 21, 2026, the OBMMI benchmark rate for a 30-year fixed mortgage with 20% down and a 720 credit score was 6.157%, according to Freddie Mac data via FRED. This represents unchanged from the previous day.
Frequently Asked Questions
Q: What is the mortgage rate today?
A: As of April 21, 2026, the OBMMI composite 30-year fixed mortgage rate is 6.187%, according to Freddie Mac data via FRED. This is the benchmark rate for a conventional 30-year fixed loan across all credit score tiers.
Q: What is a fair mortgage rate for a 720 credit score?
A: On April 21, 2026, a fair mortgage rate for a borrower with a 720–739 credit score and 20% down payment is 6.157% based on the OBMMI segmented benchmark (FRED series OBMMIC30YFLVLE80FB720A739). If your lender quoted you more than 0.25% above this rate, it may be worth negotiating.
Q: What is the OBMMI benchmark rate today?
A: The OBMMI (Optimal Blue Mortgage Market Indices) benchmark 30-year fixed rate on April 21, 2026 is 6.187%. OBMMI rates are published by Freddie Mac and represent actual locked mortgage rates — not just quoted rates — across thousands of daily loan applications. The OBMMI is widely considered the most accurate real-time mortgage rate benchmark available.
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Check My RateData source: Optimal Blue Mortgage Market Indices (OBMMI) via FRED, Federal Reserve Bank of St. Louis. Rates represent actual locked rates, not quotes. Published by FairRate on April 21, 2026.