What are today's mortgage interest rates: April 22, 2026?
Summary
Mortgage interest rates in the United States on April 22, 2026, average 6.12% for a 30-year loan and 5.50% for a 15-year loan. Refinancing rates are slightly higher, and the Federal Reserve is unlikely to lower its rates soon, which means mortgage rates may stay stable for now.Key Facts
- The average interest rate for a 30-year mortgage is 6.12% as of April 22, 2026.
- The average interest rate for a 15-year mortgage is 5.50%.
- Refinancing a 30-year mortgage averages a higher rate of 6.67%.
- Refinancing a 15-year mortgage has a median rate of 5.67%.
- The Federal Reserve is not expected to cut interest rates at its next meeting.
- Mortgage rates are influenced by the Federal Reserve but not set directly by it.
- Shopping around with different lenders can lead to finding rates half a percentage point to a full percentage point lower than average.
- Online rate marketplaces make it easier for borrowers to compare rates and terms from various lenders.
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