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Mortgage rates
These are national mortgage rate averages, not personalized offers. Your rate may be different.
Checking for dated national observations. Use an editable planning input below while we check.
How mortgage rates work →Plan a payment with an editable interest assumption →Freddie Mac’s Primary Mortgage Market Survey is the source of the 30-year and 15-year national weekly mortgage averages. The Federal Reserve Bank of St. Louis distributes series MORTGAGE30US and MORTGAGE15US through FRED. U.S. Treasury data (DGS10) is a separate daily market indicator.
Changes are percentage-point differences between actual previous and latest observations where the supplied history and source dates agree. Gaps between observations may exceed one week. History is shown in observation order, not as a dated daily series. Unverified static or carried-forward fallback snapshots are not presented as source observations.
Full methodologyMarket data shown for general information only. Not an offer, quote, advertisement of a specific rate, or representation of rates available to any individual borrower. Your actual rate depends on your file, your property, and the day you lock.
Payment snapshot
Start with the national mortgage rate average and adjust the loan amount.
30-year fixed term
Illustrative 6.5% assumption, not a current market figure.
Principal and interest only
$2,212 / month
Principal and interest only. Taxes, insurance, mortgage insurance, HOA dues, and other costs are not included. Your actual rate may differ.
Calculate my full payment →The monthly payment formula uses the loan amount, selected annual interest percentage divided by 100 and 360 monthly payments. Without a verified national benchmark it uses a distinctly labeled illustrative assumption; you can override it. No state or credit-tier adjustment is applied.
Freddie Mac’s Primary Mortgage Market Survey is the mortgage survey source. FRED, from the Federal Reserve Bank of St. Louis, distributes the weekly series MORTGAGE30US. Weekly observation dates are not retrieval dates or real-time pricing.
Educational illustration only, never an offer, quote, advertisement of a specific rate, or representation of rates available to any individual borrower. Your actual rate depends on your file, your property, and the day you lock. Unverified fallback values are withheld.
Read the methodologyStart with a common calculator or browse the full library.
Educational guides, publisher headlines, and dated commentary.
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Read source-linked mortgage and housing coverage separately from our guides.
Browse mortgage headlines →Editorial context is dated. Older entries do not describe today’s market conditions.
Read market commentary →Optional and free. A readable look at mortgage rates, housing news, and practical takeaways. Separate from any loan officer request.
Learn more about The BriefMortgage Today is mortgage education operated by Mektra LLC. We provide guides, calculators, and sourced national rate benchmarks, not loans. Calculator results are estimates based on the inputs you enter. Contact is optional: if you request it and agree to the consent terms, a licensed loan officer may follow up where the network can serve your state.
