30 Year Mortgage rates today
02/04/2026
LoaningAI is a real-time mortgage rates comparison platform that offers the lowest mortgage rates in the United States today.
Find the lowest 30 year mortgage rates with LoaningAI and buy your dream home!
LoaningAI offers the lowest 30 year mortgage rates on February 04, 2026, at 5.500% (Point $2800.00).
- 30 year Fixed Rate, Amortized loan
- Full-time Employee, Credit Score 740, LTV 70%, DTI 45%<
- Purchase, Single Family, Primary Residence<
Get the lowest 30 year mortgage rates today!
Click the “Check mortgage rates” button below.
Compare the lowest 30 year mortgage rates
from the top 5 lenders
Get the lowest mortgage rates today! Compare rates from the top 5 lenders in United States, including WellsFargo and RocketMortgage.
| Lender |
Interest rate |
APR | Point |
|---|---|---|---|
| LoaningAI > | 5.500% | 5.568% | $2,800.00 |
| Check Right now > | |||
|
Wells Fargo (Wells Fargo) |
5.875% | 6.031% | $7,000.00 |
|
Rocket Mortgage (Rocket Mortgage) |
5.625% | 5.664% | $6,013.00 |
|
Chase (Chase) |
5.875% | 6.003% | $7,861.00 |
|
SoFi (SoFi) |
5.490% | 5.712% | $13,594.00 |
* Home Price / Loan Amount
- Loaning.ai : $1,000,000 / $700,000
- Wells Fargo : $1,000,000 / $700,000
- Rocket Mortgage : $1,000,000 / $700,000
- Chase : $1,000,000 / $700,000
- SoFi : $1,000,000 / $700,000
0.375% difference in mortgage rates
can save you up to
$59,846.40
over 30 years.
Compare interest rates today!
LoaningAI
Mortgage Rates Trends
| Date |
Interest rate |
APR | DoD |
|---|---|---|---|
| 02/03 | 5.500% | 5.568% | +0.125% |
| 02/02 | 5.375% | 5.475% | +0.000% |
| 01/30 | 5.375% | 5.463% | +0.000% |
| 01/29 | 5.375% | 5.461% | +0.000% |
| 01/28 | 5.375% | 5.463% | +0.000% |
| 01/27 | 5.375% | 5.452% | +0.000% |
| 01/26 | 5.375% | 5.457% | +0.000% |
| 01/23 | 5.375% | 5.462% | -0.125% |
| 01/22 | 5.500% | 5.559% | +0.000% |
| 01/21 | 5.500% | 5.577% | +0.000% |
| 01/20 | 5.500% | 5.559% | +0.125% |
| 01/16 | 5.375% | 5.452% | +0.125% |
| 01/15 | 5.250% | 5.337% | +0.000% |
| 01/14 | 5.250% | 5.338% | +0.000% |
| 01/13 | 5.250% | 5.338% | +0.000% |
| 01/12 | 5.250% | 5.339% | -0.125% |
| 01/09 | 5.375% | 5.452% | -0.125% |
| 01/08 | 5.500% | 5.589% | +0.000% |
| 01/07 | 5.500% | 5.577% | +0.000% |
| 01/06 | 5.500% | 5.577% | +0.000% |
| 01/05 | 5.500% | 5.589% | – % |
- 30 year Fixed Rate, Amortized loan
- Full-time Employee, Credit Score 740, LTV 70%, DTI 45%
- Purchase, Single Family, Primary Residence
Get the lowest 30 year mortgage rates today!
Click the “Compare mortgage rates today” button below.
