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National Average Mortgage Rates
Weekly averages based on thousands of loan applications submitted to Freddie Mac from lenders across the country.
30-Year Fixed-Rate Mortgage
15-Year Fixed-Rate Mortgage
Historical Mortgage Rates
- 30-Yr Fixed
- 15-Yr Fixed
Source: Freddie Mac Primary Mortgage Market Survey® (PMMS®)
Compare Mortgage Products
National average rates based on Freddie Mac PMMS®
| Product | Current Rate | Week Ago | Year Ago | 52-Week Range |
|---|---|---|---|---|
30-Year Fixed Most popular loan type | 7.24% | 7.32%-0.08% | 6.24%+1.00% | 5.98% - 7.4% |
15-Year Fixed Lower rate, higher payment | 6.6% | 6.68%-0.08% | 5.49%+1.11% | 5.35% - 6.73% |
What is PMMS®?
The Primary Mortgage Market Survey® is the industry's most trusted weekly survey of mortgage rates, based on actual loan applications submitted to Freddie Mac from lenders nationwide.
30-Year vs 15-Year
A 30-year mortgage has lower monthly payments but you pay more interest over time. A 15-year mortgage has higher payments but saves significantly on total interest.
Why Rates Matter
Even a small rate difference can save or cost you thousands over the life of your loan. Compare rates from multiple lenders to get the best deal.
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Mortgage Rates by State
See current rates, programs, and buyer guides for your state. Apply online and get pre-approved in 24 hours.
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