Rate Watch
MINIMAL: Bond market neutral — minimal rate movement expected today.
Rates are holding in the middle of the recent 90-day range. Treasury yields continue to reflect uncertainty around inflation data and upcoming Fed decisions. If you've been rate shopping, watch for movement around the next jobs report and CPI release — those are the two data points most likely to shift rates meaningfully in either direction.
Read more ↓Treasury Yields
Daily Rate Sheet
Wed Apr 08 2026 00:00:00 GM| Product | Rate / APR | Nat'l Avg | Change | Savings |
|---|---|---|---|---|
30-Yr Fixed CONF | 5.990% | 6.44% | 0.00% | -0.450% |
15-Yr Fixed CONF | 5.500% | 6.02% | 0.00% | -0.520% |
FHA 30-Yr GOV | 5.500% | — | — | — |
VA 30-Yr MIL | 5.500% | — | — | — |
780+ FICO · 75% LTV · Purchase | Source: MND
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About NetRate Mortgage's Rate Watch
NetRate Mortgage tracks daily mortgage rates sourced directly from our wholesale lending partners. Unlike survey-based averages from Freddie Mac or Bankrate, our data reflects actual wholesale pricing available to mortgage brokers — updated every business day.
The national average rate shown on this page comes from Freddie Mac's Primary Mortgage Market Survey (PMMS), published weekly. This survey-based rate includes approximately 0.7 discount points and reflects retail pricing offered directly to consumers by banks and lenders.
The spread between wholesale and retail rates exists because retail lenders build their margin, overhead, and profit into the rate they quote you. When you work with a mortgage broker like NetRate Mortgage, you access wholesale pricing and pay a transparent broker fee instead — typically resulting in a lower overall cost.
Our rate history data begins in December 2025 and grows every day. This proprietary dataset tracks rates by credit score tier (760+, 740-759, 700-719) for a standard purchase scenario: $400,000 loan amount, 75% LTV, single-family residence.
Market commentary is for informational purposes only and does not constitute financial advice. Rates shown are wholesale par rates (zero discount points) and are subject to change without notice. Actual rates depend on individual borrower qualifications including credit score, loan amount, property type, and occupancy. National average data sourced from Freddie Mac Primary Mortgage Market Survey via FRED (Federal Reserve Economic Data). This product uses the FRED API but is not endorsed or certified by the Federal Reserve Bank of St. Louis. NetRate Mortgage LLC NMLS #1111861. Equal Housing Lender.