The Hustle Copilot Rate Index · 2026
Mortgages, unlocked.
Real time rates for July 1, 2026 · Live · updated daily
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National average mortgage rates over time
Select a mortgage type to compare national averages with top offers on Hustle Copilot.
Hustle Copilot Rate Variability Index
This week's index reads 2 out of 10, down from 3 last week.
When the variability index is low, like now, you won't find dramatic differences between lender offers — but it's still worth shopping. Rates have been bouncing around 6.5%.
- 30-year rate movement — Moved more than 37% of historical weeks.
- Treasury rate movement — Calm — moved more than just 4% of weeks.
- Expert disagreement — Mild disagreement about where rates head next.
Mortgage rates today
Showing results for: Single-family home · 30-year fixed · 20% down · ZIP 33125 · 780+ credit.
Listings from partner lenders may earn Hustle Copilot a commission. Ranking is editorial — lenders can't pay for position.
Mortgage FAQ
How are these rates calculated?
Lenders submit their daily best-execution rates for a standard scenario: $690K single-family purchase, 20% down, 780+ FICO. We display rate, APR, points, upfront cost, and 8-year total cost so you can compare apples to apples.
How often do mortgage rates update?
National averages update once per business day. Lender-specific offers update intraday whenever the lender pushes new pricing.
What's the difference between rate and APR?
Rate is what you pay on the loan balance. APR rolls in lender fees, points, and most closing costs — it's the truer cost of borrowing. Always compare APR, not just rate.
Should I pay points to lower my rate?
Only if you'll keep the loan long enough to break even. Divide the cost of points by your monthly savings — if you'll stay past that month count, points pay off.
How does Hustle Copilot make money on mortgages?
When you click 'Get my rate' and complete a quote with a partner lender, we may earn a referral fee. Lenders cannot pay to move up our list — ranking is by 8-year total cost.
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Deep-dive guides targeting the highest-opportunity mortgages keywords. Updated as rates, offers, and rules change.