Mortgage rate tracker

Watch one national weekly average consistently. Freddie Mac's survey (published Thursdays) is the standard for 30- and 15-year fixed loans; Optimal Blue's locked-rate index covers FHA, VA and jumbo.

The table above compares each with last week, a month, a quarter and a year ago. To be told instead of checking, set a rate alert: we email you when the average reaches your number.

Pick a loan type and a target rate. Every Thursday, after the new survey is published, we check the national average; if it is at or below your target, you get one email.

The alert then waits until the rate rises back above your target before it can fire again, so you are not emailed every week. You can delete alerts or unsubscribe with one click.

No. It is a national average for borrowers with strong credit (Freddie Mac assumes 20% down). Your own rate depends on your credit score, down payment, loan size and lender — see rates by credit score.

Use the alert as the signal to request quotes, then check them with our rate check.

Lenders change their rate sheets daily, but the benchmark averages are weekly: Freddie Mac publishes every Thursday (Wednesday in a holiday week). This tracker updates the same day; the latest week is Nov 5, 2026.

Start from the rate that makes your budget work — run it through the mortgage payment calculator.

For a refinance, a common rule of thumb is a drop big enough that your monthly savings repay closing costs within a few years; the should I refinance calculator shows the break-even.