What are today's mortgage interest rates: April 21, 2026?
Summary
Mortgage interest rates rose sharply in March but have recently started to decrease, offering some relief to homebuyers and those refinancing. As of April 21, 2026, the average rate for a 30-year mortgage is just under 6%, while the 15-year mortgage rate remains around 5.5%.Key Facts
- In March, 30-year mortgage rates increased from 5.75% to 6.37%, and 15-year rates rose from 5.25% to 5.75%.
- Recent days have seen rates drop again; the 30-year rate is currently about 5.99%.
- The 15-year mortgage rate holds steady around 5.50%.
- Refinancing rates for a 30-year mortgage average 6.52%, and 5.60% for a 15-year term.
- Mortgage rates depend on factors like credit score and payment history; better credit can lead to lower rates.
- Homeowners should shop around for the best rates when refinancing and consider loan fees, not just the interest rate.
- Locking in a mortgage rate now can protect borrowers from future increases.
- These rates are higher than those seen at the start of the decade but close to historical averages.
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