We don't keep that breakout ourselves, but the data exists, and FHFA and ICE are the two places to get it. The FHFA (Federal Housing Finance Agency) publishes data on the distribution of outstanding mortgage rates, and ICE, the mortgage technology and data firm, tracks loan-level rate information across a large share of the market. Between the two you can approximate how many existing borrowers sit below a given rate versus above it. One flag on any chart that cuts at 6%: it can understate how many homeowners are locked in at very low rates, because a large group carries mortgages under 4% from the ultra-low-rate stretch. That concentration is the mechanism behind the lock-in effect, where owners hesitate to sell and trade a below-market rate for a higher one. Some of that reluctance eases over time as life circumstances force moves regardless of rate, but the pool of very-low-rate mortgages is real and large. If you're reasoning about housing supply or refinance behavior, that distribution is the number that matters, and FHFA plus ICE are where you'd source it. For where rates sit today, the Mortgage News Daily rate table is right here on our site at /mnd-rates.