National averages · Updated Oct 13, 2026
National average interest rates today
Two different lenses, side by side: LoanMate's median advertised rate — computed today from 1,301 published rates across 124 banks, credit unions and lenders — and the Freddie Mac national average (Primary Mortgage Market Survey, via FRED), the survey benchmark most headlines quote.
LoanMate median vs the national average
Advertised medians run below the Freddie Mac survey average for both headline terms. That is partly real — credit unions and community lenders that publish their rates price aggressively — and partly methodology: Freddie Mac surveys a standardized borrower (conforming loan, 20% down, excellent credit, including points), while advertised rates carry each lender's own mix of LTV, points and credit assumptions. We show both so you can see the gap with the caveat attached, not buried.
| Product | LoanMate median | LoanMate average | Freddie Mac (FRED) | Gap, median vs FRED |
|---|---|---|---|---|
| 30-yr fixed purchase | 7.00% | 6.90% | 7.40% | −40 bp |
| 15-yr fixed purchase | 6.50% | 6.50% | 6.73% | −23 bp |
| 10-yr Treasury (context, Oct 8) | — | 5.22% | — | |
FRED series MORTGAGE30US / MORTGAGE15US, week of Oct 8, 2026 — the latest Freddie Mac release. The next release (week of Oct 15) is expected Thu Oct 15, and this page updates with it.
Where rates actually are: the full spread
The average hides the point of shopping. On the same day, advertised 30-year fixed purchase rates ran from 5.75% to 7.625% — a 1.88-point spread. On a $500,000 loan, 40 bp is roughly $130 a month.
How we got here: 30-year rates, last 3 years
Freddie Mac's weekly average has climbed back to 7.40% — its highest since November 2023 — after sitting near 6.30% a year ago.
All national averages — LoanMate dataset, Oct 13, 2026
| Product | Observations | Average | Median | 25th pct | 75th pct | Lowest | Highest |
|---|---|---|---|---|---|---|---|
| 30-yr fixed purchase | 105 | 6.90% | 7.00% | 6.75% | 7.12% | 5.75% | 7.62% |
| 30-yr fixed refinance | 70 | 7.04% | 7.00% | 6.75% | 7.38% | 5.75% | 8.75% |
| 15-yr fixed purchase | 80 | 6.50% | 6.50% | 6.12% | 6.75% | 5.62% | 8.50% |
| 20-yr fixed purchase | 49 | 6.76% | 6.75% | 6.50% | 7.00% | 5.99% | 7.75% |
| 10-yr fixed purchase | 39 | 6.41% | 6.50% | 6.00% | 6.75% | 5.49% | 8.25% |
| 5/1 ARM | 21 | 6.03% | 5.99% | 5.75% | 6.12% | 5.50% | 6.79% |
| 7/1 ARM | 14 | 6.21% | 6.19% | 6.00% | 6.38% | 5.75% | 6.75% |
| Home equity loan (fixed) | 94 | 7.02% | 7.00% | 6.75% | 7.47% | 5.49% | 8.62% |
| HELOC | 90 | 6.73% | 6.75% | 6.25% | 7.00% | 3.49% | 9.00% |
| Auto loan, new, 60 mo | 44 | 5.95% | 5.75% | 4.99% | 6.74% | 3.99% | 8.50% |
| Auto loan, used, 60 mo | 53 | 6.42% | 6.49% | 5.50% | 7.00% | 4.39% | 9.75% |
| Personal loan, unsecured, 36 mo | 36 | 12.02% | 11.99% | 10.50% | 13.99% | 7.00% | 17.00% |
Methodology: LoanMate figures are simple statistics over rates published on lender-owned pages and verified Oct 13, 2026 (interest rate where published; APR where that is the only published figure, which is the norm for HELOC, auto and personal loans). Not volume-weighted. Freddie Mac PMMS is a lender survey on a standardized profile. Individual lender assumptions vary — confirm any rate, points and fees directly with the lender. Extremes can reflect special programs: the 3.49% HELOC low is an introductory-rate listing, and isolated highs in the 15-yr and refinance rows are flagged in our data notes. Rates change daily; this page is refreshed with our daily verification and each Freddie Mac release.
Compare today's published rates by lender → · How we verify every rate →