Mortgage Rates
Where national average mortgage rates stand this week, and how to find out what rate you could actually get.
Weekly national averages
Freddie Mac Primary Mortgage Market Survey®
Average rates for 30-year and 15-year fixed-rate mortgages, published weekly by Freddie Mac. As of November 5, 2026.
30-year fixed (national average)
Down 0.06 from the prior week
Freddie Mac PMMS, week of November 5, 2026
15-year fixed (national average)
Down 0.03 from the prior week
Freddie Mac PMMS, week of November 5, 2026
Recent weeks
| Week of | 30-yr fixed avg. | 15-yr fixed avg. |
|---|---|---|
| November 5, 2026 | 7.18% | 6.57% |
| October 29, 2026 | 7.24% | 6.60% |
| October 22, 2026 | 7.32% | 6.68% |
| October 15, 2026 | 7.40% | 6.71% |
| October 8, 2026 | 7.40% | 6.73% |
| October 1, 2026 | 7.28% | 6.60% |
| September 24, 2026 | 7.03% | 6.42% |
| September 17, 2026 | 6.95% | 6.26% |
| September 10, 2026 | 6.76% | 6.09% |
Source: Freddie Mac Primary Mortgage Market Survey®, used with attribution. PMMS averages are based on conventional, conforming home purchase loan applications submitted to Freddie Mac from borrowers with good to excellent credit buying owner-occupied single-family homes. They are not APRs and do not reflect any specific lender’s pricing.
Daily rate snapshot
Today’s average rates & market commentary
Want a daily view? The tools below show national average rates from Mortgage News Daily, MBA and Freddie Mac, plus live MBS and Treasury market data, with a short note on what moved the market. You can also open the full MBS Live market page.
Rates, MBS prices and commentary are hosted by MBS Live (housingbrief.com) and come from independent data sources. They are national figures, not a quote or offer.
Why your rate may be different
National averages are a useful way to see which direction rates are moving. They aren’t the rate any one borrower will get. A lender prices your loan based on:
- Credit score and overall credit history
- Loan amount and loan type (conventional, FHA, VA, USDA, jumbo, non-QM)
- Down payment or equity (loan-to-value)
- Property type and occupancy (primary home, second home, investment, condo, multi-unit)
- Points or lender credits you choose and how long you lock
- Market movement on the day your rate is locked
Because Edge Home Finance works with a large network of lenders, I can compare options for your specific scenario instead of quoting one bank’s rate sheet.
Thinking about refinancing? Try the Should I refinance? calculator with a rate you want to model.