As of the week ending July 23, 2026
The benchmark, and how to read it.
A rate on its own tells you very little. What helps is a dated, published benchmark and some sense of where the market has been — so that when a number lands in front of you, you can tell whether it is ordinary or worth a second look. Below is the Freddie Mac weekly survey average and the last year of it. It is a national average, not a quote, and not our pricing.
Weekly survey averages and 52-week context
These are survey averages, not offers. Source: Freddie Mac Primary Mortgage Market Survey, retrieved from FRED (Federal Reserve Bank of St. Louis), series MORTGAGE30US. Survey week ending July 23, 2026; retrieved by us on July 29, 2026. Not a quote, not a commitment to lend, and not a rate available to any particular borrower.
No APR is stated with these figures because none exists to state. The Primary Mortgage Market Survey reports note rates only; an annual percentage rate depends on the finance charges of a specific transaction, which a national survey does not collect. These are third-party market observations, not rates offered by BankPricer, and no credit is offered on their terms.
The last 52 weeks, for context
Where the Freddie Mac 30-year fixed survey average has sat, week by week, over the 52 weeks to July 23, 2026. Over that year the average ran between 5.98% (week ending ) and 6.72% (week ending ), averaging 6.32%. This week’s 6.58% is the highlighted band.
Each bar counts weeks out of 52 — not lenders and not quotes. Bands are 0.25 percentage points wide.
Both series, with their 52-week context
| Product | Survey average | Prior week | 52-week low | 52-week high |
|---|---|---|---|---|
| 30-year fixed | 6.58% | 6.55% | 5.98% | 6.72% |
| 15-year fixed | 5.96% | 5.93% | 5.35% | 5.96% |
Survey averages for the week ending July 23, 2026 (Freddie Mac Primary Mortgage Market Survey via FRED, retrieved July 29, 2026). These are weekly national averages from a survey of lenders, not quotes and not offers of credit. The published survey basis is a conventional, conforming, owner-occupied purchase loan with an 80% loan-to-value ratio and a borrower with strong credit; it is an average across lenders and regions, so no individual borrower was offered it. Your own rate depends on your credit profile, loan amount, loan-to-value ratio, occupancy, property type, lock period and program, and your annual percentage rate will be higher than any note rate once costs are included. Rates change without notice. This is not a commitment to lend.
Any payment figure elsewhere on this site reflects principal and interest only and does not include property taxes, homeowners insurance, mortgage insurance, or HOA dues — your actual monthly obligation will be greater.
We archive every retrieval, so the figures shown on any given day can be shown to be the figures that were published on that day.
What to do with this. Use it as a reference point, not a target. A survey average is the middle of a national distribution that includes loan sizes, credit profiles, property types and lock periods nothing like yours, so a quote a quarter-point either side of it is unremarkable. What is worth asking about is a quote well clear of the 52-week range above, or a quote whose APR sits far above its note rate — that gap is costs, and costs are where the real difference between two offers usually hides. The comparison that settles it is two Loan Estimates side by side, not a rate against an average.