How published rates have moved.

The last three months

Freddie Mac’s weekly averages, with the lender example we verify plotted on each check date. Freddie Mac dates each average by its release; it covers the week before.

Rocket Mortgage: 30-year fixed purchase

The example’s assumptions, such as its loan amount, credit score, and down payment, appear on the listing in the comparison center. The Freddie Mac column is the latest weekly average released on or before each check date, and the last column subtracts it from the example’s interest rate.

Rocket Mortgage: 30-year fixed refinance

Freddie Mac’s survey covers purchase loans, so this refinance example is shown on its own. Refinance examples often assume more equity and different points than purchase examples.

Savings, credit card, and personal loan figures

These listings publish a yield or an APR range rather than a mortgage example. For ranges, the figure shown is the full range the provider advertised on the check date.

Freddie Mac weekly averages

The past year of 30-year and 15-year fixed averages, most recent first.

Source: Freddie Mac Primary Mortgage Market Survey®

How to read these numbers

Freddie Mac’s Primary Mortgage Market Survey® is a weekly national average built from loan applications that lenders submit to Freddie Mac. It covers conventional, conforming home purchase loans for borrowers Freddie Mac describes as having good to excellent credit and 20% down, on owner-occupied single-family homes. Results are released on Thursdays at noon Eastern time and average the rates offered from the previous Thursday through Wednesday. Freddie Mac stopped reporting fees and points in November 2022, so the average is an interest rate with no points attached.

A lender’s published example is one scenario on one day: a stated loan amount, credit score, down payment, and number of discount points. Paying points buys a lower rate, so an example with 2 points and one with none are not comparable on rate alone. The APR folds points and some fees into a single yearly figure, which is why it sits above the interest rate.

Neither figure is the rate you would be offered. Your rate depends on your credit, down payment, loan amount, property, location, and the points you choose. Use this history to see direction and scale, then compare Loan Estimates for your own loan.

How we record rates

Each time we verify a listing against the provider’s public page, we record its published figure, the date we checked it, and the provider’s own “as of” time when it shows one. For mortgage examples we also record the interest rate and discount points behind the APR. Mortgage and refinance examples are rechecked each business day, and other listings at least weekly. Recording began on September 20, 2026, when the comparison center switched to sourced products.

Listings that show rates only after you enter a ZIP code or loan details have no published figure to record, so they do not appear here. Entries are never edited after the day they are recorded. If we find a recording error, we correct it under our corrections policy.

Freddie Mac averages are added after each weekly release. Freddie Mac permits use of its survey results with attribution; RatesMatter has no relationship with Freddie Mac, and Freddie Mac does not review or endorse this page.