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Mortgage and refinance interest rates today, April 14, 2026: A sideways trend
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Mortgage rates have moved fractionally higher. According to Zillow, the average 30-year fixed rate is now 6.16%, up one basis point. The 15-year loan is also up one basis point to 5.65%. The trend for the bond market has been mostly sideways over the past week, so rates aren’t likely to move much without some new stimulus.
4 lenders dip below 6% APR: Weekly survey of mortgage lenders with the best rates.
Here are the current mortgage rates, according to our latest Zillow data:
Current refi mortgage rates report for April 14, 2026
The current average refinance rate on a 30-year, fixed-rate home loan is 6.39%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.
Note that Fortune reviewed the most recent Zillow data available as of April 13.
Mortgage refinancing involves replacing your existing home loan with a new one. Similar to your initial mortgage application, you’ll need to apply and meet lender criteria, including your credit profile, income verification, debt-to-income (DTI) ratio, and more.
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Mortgage Rates Today, April 14, 2026: 30-Year Refinance Rate Drops by 14 Basis Points
Guess what? Today, April 14th, 2026, is a good day if you're thinking about refinancing your mortgage. The average rate for a 30-year fixed refinance has dipped by a noticeable 14 basis points compared to last week and even dropped significantly just today. This means if you've been putting off looking into refinancing, now might be the perfect time to take a closer look.
It feels like just yesterday we were all watching mortgage rates climb, and now we're seeing some movement in the opposite direction. According to Zillow's latest data, the 30-year fixed refinance rate has settled at 6.55%. This is a welcome change from where we've been, and it's sparked a bit of hope for homeowners who have been hoping for lower monthly payments.
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