Survey week ending
Mortgage rates today: the 30-year and 15-year fixed benchmark.
See how a published national average compares with your Loan Estimate. Your own pricing depends on your loan, property, credit, points, and lock period.
Reviewed by Jeff Shin, NMLS #1041652. Updated .
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Latest verified snapshot. These figures are dated October 22, 2026. Checked October 23, 2026. Check the source for the latest release.
Freddie Mac weekly survey averages
| Product | Survey average | Previous observation |
|---|---|---|
| 30-year fixed | 7.32% | 7.40% October 15, 2026 |
| 15-year fixed | 6.68% | 6.71% October 15, 2026 |
These are national survey averages, not BankPricer rates or personalized quotes. Source: Freddie Mac Primary Mortgage Market Survey via FRED, Federal Reserve Bank of St. Louis. 30-year series · 15-year series. Retrieved October 23, 2026. No APR is provided because these survey observations do not describe the fees of an individual loan.
The source reports weekly mortgage rates based on applications submitted to Freddie Mac. Data may be revised. This page shows our latest verified snapshot; it does not update continuously. View the dated source snapshot.
Why your rate will differ from the average
The survey average describes a typical borrower. Current mortgage rates for your own loan move with these factors:
- Credit score and down payment. Conventional pricing steps up or down with both, under the Fannie Mae and Freddie Mac pricing grids.
- Loan type. FHA and VA rates often price below conventional, with insurance or a funding fee on top. Jumbo rates vary more between lenders. Investment property rates run higher.
- Term and rate type. A 15-year fixed usually prices below a 30-year fixed. An adjustable-rate mortgage can start lower and reset later.
- Points and lender credits. Paying points buys the rate down. Taking a credit pushes it up. Read discount points break-even.
- Purpose. Cash-out refinance rates usually price above purchase and rate-and-term refinance rates.
Compare the offer, including its costs.
A rate alone cannot tell you whether to switch lenders. Check points, lender fees, monthly payment, and how long you expect to keep the loan.
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