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Today's rates

Mortgage rates. No phone number needed.

The national averages lenders watch, refreshed as soon as each week's survey is out. Browse as long as you like. Nobody calls you for looking.

Market pulseFreddie Mac weekly average · checked Oct 29, 10:06 PM
Loan programAverage rateWeekly changeAction
30-Year Fixed7.24%↓ 0.08%Set alert
15-Year Fixed6.60%↓ 0.08%Set alert
FHA LoanEstimated from the 30-year7.34%↓ 0.08%Set alert
VA LoanEstimated from the 30-year6.99%↓ 0.08%Set alert

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Rate methodology

These are national averages for borrowers with strong credit and about 20% down, from Freddie Mac's weekly survey of lenders. Your own rate depends on your profile, which Lowi™ AI can model from what you share in your KwaliPass™.

Lowi™ AI this week's readGenerated by Lowi™ AI from Freddie Mac rate data. Informational only, not financial advice and not a prediction of future rates.Ask Lowi™ about today's market →

What drives mortgage rates?

10-Year Treasury yieldThe primary benchmark. When yields rise, mortgage rates almost always follow.
Inflation (CPI)Inflation erodes the value of fixed-income assets, pushing secondary markets higher.
Federal ReserveThe Fed doesn't set mortgage rates, but its policy shifts the cost of capital.
Secondary spreadsThe risk premium lenders add on top of base bond yields to cover operations and risk.
Market analysis

Latest moves from the markets we track.

HousingWire · Rates · 1h agoRocket posts $709M profit in Q3 despite tougher mortgage marketRocket guided Q4 adjusted revenue to range of $2.1 billion to $2.3 billion while noting that refis could drop nearly 50% from Q3HousingWire · Housing · 2h agoWhy Howard Hanna was missing from Open Real Estate launch listCEO Hoby Hanna says founders have contacted him, he wants clarity on governance, funding and end goals before committingHousingWire · Housing · 3h agoRealTrends Verified brokerage Howard Hanna enters Alabama with ARC, Capstone dealThe partnership adds 875 agents across 12 offices in Birmingham, Montgomery and Huntsville
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Data integrity

Where the numbers come from.

The 30-year and 15-year fixed rates are Freddie Mac's weekly averages, read from the St. Louis Fed's FRED service. FHA and VA are estimated from the 30-year average using typical spreads. We check for new data every hour; the survey itself is published weekly.

Freddie Mac Primary Mortgage Market Survey ↗FRED, Federal Reserve Bank of St. Louis ↗