Mortgage Rates
Explore daily mortgage-rate information from Mortgage News Daily, learn about weekly national benchmarks and use our mortgage calculators.
U.S. Mortgage Index is a neutral public-source mortgage intelligence and verification platform. Not a lender. Not a broker. Not a marketplace. Not a rate-comparison service.
U.S. Mortgage Index
Explore the U.S. mortgage market.
Find a lender, inspect public mortgage records, use mortgage tools, and read USMI's educational guides. The same published information is available by asking a question.
Find a lender
Search published lender profiles for identity, public records, and sources.
Search lendersExplore public data
See the official records and datasets USMI organizes.
View sourcesUse mortgage tools
Estimate a payment or review what a calculator includes.
Open calculatorsLearn about mortgages
Read FAQs, glossary terms, and guides to common mortgage problems.
Browse FAQsBrowse glossaryMortgage problems
Not a lender. Not a broker. Not a marketplace. Not a rate-comparison service.
Published coverage
Counts as of October 10, 2026
- 9,017 institution profiles
- 4,254 banks
- 4,250 credit unions
- 513 mortgage companies
- 123 mortgage FAQs
- 189 glossary concepts
01Start here
Quick actions
Lender search, mortgage calculators, the first-time buyer guide, the refinancing guide, the payment-change guide, complaint routing, public lender comparison, the Mortgage Dictionary, and Mortgage FAQs are available now.
Check a lender
Search published bank, credit-union, and mortgage-company profiles.
Calculate affordability
Explore a home price that fits a selected monthly housing budget. This is a planning estimate, not lender approval.
First-time buyer help
Eight-stage first-time buyer guide from budget through closing, with official sources and published USMI tools.
My payment went up
Compare previous and current statements to see what changed, with official sources and a browser-only worksheet.
Should I refinance?
Eight-stage refinancing guide for comparing payment, upfront cost, and remaining debt, with official sources and published USMI tools.
File a complaint
Official routes for a mortgage complaint. USMI does not accept or resolve disputes.
Compare lenders
A public-information method for comparing lenders. USMI does not rank or recommend.
Mortgage Dictionary
Look up common mortgage, lending, regulatory, and data terms in plain English.
Mortgage FAQs
Get source-backed answers to common questions about mortgages, costs, lenders, and the home loan process.
02Journeys
Choose your view
Six paths on U.S. Mortgage Index. Lender research, the first-time buyer guide, the refinancing guide, the payment-change guide, the Mortgage Problems hub, and provider information open live pages.
I'm buying a home
A published eight-stage guide for first-time and repeat buyers.
- Affordability context
- Assistance programs
- Lender research
I'm refinancing
A published eight-stage guide for comparing a refinance payment, cost, and remaining debt.
- Rate context
- Closing costs
- When refinancing may not help
My payment changed
A published guide for comparing mortgage payment changes, official sources, and optional statement comparison.
- Escrow shortages
- Insurance and taxes
- Servicer communication
I want to check a lender
Search published public-source institution profiles.
- Identity and licensing signals
- HMDA activity
- Complaint context
I have a mortgage problem
Published hub for payment changes, escrow shortages, servicer delays, and denials after preapproval.
- Payment increases
- Servicer delays
- How to file a complaint
I'm a broker or lender
How public-source profiles are compiled, and what a provider can ask to correct.
- How profiles are compiled
- Corrections
- What USMI is not
03Problems
Common mortgage problems
The problem guides, complaint routing, and public comparison method are published. U.S. Mortgage Index does not resolve consumer disputes and does not publish invented complaint statistics.
My mortgage payment went up
Published guide for comparing what changed on a higher mortgage bill.
I have an escrow shortage
Understand what changed in an escrow analysis, which records to compare, and where official help is listed.
My servicer is not responding
Learn what records to keep, how a written information or error request differs from a phone call, and where official help is listed.
I was denied after preapproval
Understand what a preapproval letter does and does not promise, then review the notice the lender sent.
I want to check a lender
Look up a published institution profile.
I need first-time buyer help
Published first-time buyer guide from budget through closing.
I want to compare lenders
Compare public facts and the lender's own disclosures. USMI does not rank lenders.
I want to file a complaint
Where an official mortgage complaint can be filed. USMI does not resolve disputes.
04Tools
Practical mortgage tools
Public research and educational tools are intended to be usable without compulsory lead capture. Mortgage calculators are live. USMI does not publish a live rate-comparison service; source-backed rate context remains in development.
Mortgage calculators
Estimate monthly payment, cash to close, affordability, refinance break-even, and discount points. These are planning estimates, not loan offers.
Understand rates
Explore daily mortgage-rate information from Mortgage News Daily and learn about weekly national benchmarks.
Verify a lender
Check a company against official public sources and the documents you received. USMI does not license, certify, or approve lenders.
Reports
Latest report
Mortgage Data Coverage & Methodology Report
This edition inventories the public mortgage-data coverage currently organized by U.S. Mortgage Index. It distinguishes USMI public lender profiles, matched HMDA activity, and source-wide versus entity-mapped CFPB mortgage complaints.
Published 2026-09-18
05Rates
Mortgage Rates
StatusPublished
Daily mortgage-rate information from Mortgage News Daily is available on the Mortgage Rates page, along with weekly national benchmark references. This homepage does not display a current rate, a stale benchmark, or a fabricated chart.
National references, not a personal offer
The Mortgage Rates page can show weekly survey references when they are approved for publication, plus Mortgage News Daily's independent daily snapshot through its official widget. Historical Preview figures are not published here.
06Trust
Consumer commitment
Public lender data is presented neutrally. Official verification still matters.
01
Understand
Plain-English public information with sources and limitations. Presence in a public file is not an endorsement.
02
Choose
Use public research, verification, educational mortgage calculators, or official resources. USMI does not sell ranking influence.
03
Confirm
Verify important information with the original official source before acting. Dates and limitations travel with the data.
07Sources
Published coverage and limitations
National institution coverage: US Mortgage Index publishes source-backed profiles of mortgage lenders and reporting institutions. Bank profiles currently use official FDIC institution records. Credit-union profiles currently use NCUA federally insured credit-union records. Additional institution categories appear here only when they are published.
Coverage is source-specific. Published profiles are not a complete NMLS universe and do not represent every mortgage lender, broker, or mortgage company in the United States.
Currently published: 4,254 banks · 4,250 credit unions · 513 mortgage companies · 9,017 total public institution profiles Counts as of October 10, 2026 (UTC).
SourceInstitution profiles are compiled from official public sources listed on the data sources page. Listing a source does not imply endorsement of this platform.