NerdWallet’s rates are expressed as an annual percentage rate , or APR, and our mortgage rates data comes from Zillow. Factors you can change Your credit score Mortgage lenders use credit score as a stand-in for risk. The global economy What's happening around the world affects U.S. markets, which can then push mortgage rates higher or lower. Explore NerdWallet's Homebuying Climate Index Proprietary research based on the latest federal dataHow to compare today's mortgage ratesHere's a breakdown of what you're looking at when you view mortgage interest rate offers. Savings exampleWhether you're looking at sample rates on lenders' websites or comparing personalized rates here, you'll notice that interest rates vary.