Keep rates in perspective.
Market benchmarks provide context. The rate you qualify for is specific to the product, provider, and your application.
Use these primary sources for market context. Our comparison center contains sourced real products and dated terms; calculator inputs remain planning scenarios. Request a written offer from a provider for your own situation.
Rate history
The mortgage examples we verify from lenders, recorded each time we check them and shown next to Freddie Mac’s weekly averages.
See the rate historyMortgage market benchmarks
Explore Freddie Mac’s dated mortgage survey releases. Survey averages describe a market sample and are not personalized purchase or refinance quotes.
Visit the sourceUnderstand mortgage quotes
Use the CFPB’s guide to compare Loan Estimates, including points, credits, and other costs that a headline rate can leave out.
Visit the sourceBank account terms
Understand account access and fees, then verify the current APY, balance requirements, and conditions directly with the institution.
Visit the sourceCredit card pricing
Learn how APR, transaction types, and promotional terms affect the cost of using a card. Review the issuer’s current pricing disclosure.
Visit the sourceWhat happens if rates change?
Try a higher rate, a lower rate, and your current quoted rate. Compare the resulting payment or savings balance, then account for fees and your time horizon. A scenario is a useful planning tool; it is not a prediction.
Find my refinance target