Mortgage Rate Trends
Where rates are now, how they are moving, and what that generally means for buyers — from the same verified national survey data our weekly Realtor Market Brief uses. Educational only; never a quote, loan offer, or lock recommendation.
30-Year Fixed rates moved down about 0.08 points from last week. Over the past 90 days the average has risen 0.74 points, and it sits within a 12-month range of 5.98%–7.40%. That is near the 12-month high.
15-Year Fixed rates are little changed from last week but remain within their 12-month range. Over the past 90 days the average has risen 0.72 points, and it sits within a 12-month range of 5.35%–6.73%. That is near the 12-month high.
FHA 30-Year rates moved down about 0.06 points from last week. Over the past 90 days the average has risen 0.79 points.
Jumbo 30-Year rates moved down about 0.16 points from last week. Over the past 90 days the average has risen 0.89 points.
Rate History
30-Year Fixed — 12-Month Trend
53 verified weekly observationsChart points are real published weekly observations. Missing weeks reflect publication schedules — values are never interpolated.
What This Means for Buyers
At today’s 30-year average, principal & interest on a $100,000 loan balance is about $687 per month — about $17 per month higher than the same balance at 0.25% lower. A modest rate improvement can help some buyers revisit payment scenarios, but actual pricing still varies by borrower and loan structure.
What This Means for Realtors
Where rates sit relative to recent weeks and the past year is useful context for pricing expectations and timing conversations — a specific rate always depends on the borrower’s full profile, and none of the figures here are a quote or a lock recommendation.
Have a Client Scenario?
A payment scenario, pre-approval, loan-program question, or buyer affordability discussion — the Work Hard Mortgage team is happy to run the numbers with you and your client.
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Rates shown are national market averages from the cited surveys (Freddie Mac PMMS via FRED for conventional 30-year and 15-year fixed; MBA Weekly Mortgage Applications Survey for FHA and jumbo 30-year) for educational and comparison purposes only. They are not a loan offer or commitment to lend. Actual rates vary based on borrower, loan, property, and market characteristics. Missing periods reflect publication schedules — values are never interpolated or estimated.
Looking for Utah housing inventory and prices? See the Utah Housing Market page from the same verified data pipeline.