Understand rates.
Know your costs.
A borrower-friendly benchmark snapshot plus tools to compare how rate assumptions change your monthly payment.
This week’s national mortgage-rate benchmarks.
Automatically updated from the validated protected Freddie Mac PMMS CSV. National survey averages; not EZLOAN loan offers or individualized quotes.
This week: October 29, 2026
Last week: 7.32% (October 22, 2026)
Year ago: 6.17% (October 30, 2025)
Weekly move: -0.08 percentage points · Lower
This week: October 29, 2026
Last week: 6.68% (October 22, 2026)
Year ago: 5.41% (October 30, 2025)
Weekly move: -0.08 percentage points · Lower
Source: Freddie Mac PMMS official archive. Latest validated release: October 29, 2026. These averages are not interest-rate offers or APRs, and not a commitment to lend.
See how the weekly rate changes a payment.
The same loan amount and 360-month term, using three different national survey benchmark rates.
$500,000 loan
Current · October 29, 2026 (7.24%)
Prior · October 22, 2026 (7.32%): $3,435/mo
Year ago · October 30, 2025 (6.17%): $3,053/mo
Change vs. last week: −$28/mo · Lower
Change vs. year ago: +$354/mo · Higher
$750,000 loan
Current · October 29, 2026 (7.24%)
Prior · October 22, 2026 (7.32%): $5,152/mo
Year ago · October 30, 2025 (6.17%): $4,579/mo
Change vs. last week: −$41/mo · Lower
Change vs. year ago: +$532/mo · Higher
$1,000,000 loan
Current · October 29, 2026 (7.24%)
Prior · October 22, 2026 (7.32%): $6,869/mo
Year ago · October 30, 2025 (6.17%): $6,105/mo
Change vs. last week: −$54/mo · Lower
Change vs. year ago: +$710/mo · Higher
Examples are for NEW illustrative loans and principal & interest only. Existing fixed-rate mortgages do not change when Freddie Mac reports a different average. Taxes, insurance, mortgage insurance, HOA fees and closing costs are excluded.
A rate is just one number.
Taxes, insurance, HOA dues, loan amount, points, lender fees and loan term all affect your financing decision.
Estimate your payment
Change rate and down payment to see the monthly difference.
Payment calculator →Know your cash to close
Consider upfront charges, prepaid items, down payment and credits.
Closing-cost calculator →Review refinancing
Compare new and remaining terms, estimated savings and break-even.
Refinance calculator →Get beyond the benchmark.
A personal rate and APR require a specific loan scenario and lender disclosures. Do not rely on national averages as an offer.
The mortgage market, without the noise.
Rates above update from Freddie Mac. Below are up to three recently published Federal Reserve monetary-policy announcements, refreshed automatically from the Fed’s public RSS feed. Fed actions can influence broader borrowing conditions, but they do not directly set your individual mortgage rate.