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Mortgage rates this week
The national averages from Freddie Mac’s weekly survey and the latest 10-year Treasury yield, each with its source and date. These are market averages, not RateSale’s rates or a quote.
The latest numbers
30-year fixed, national average
7.18%Freddie Mac survey, week of Nov 5, 2026
−0.06 pts from the week before · +0.96 pts from a year earlier
Source: Freddie Mac Primary Mortgage Market Survey, via FRED
15-year fixed, national average
6.57%Freddie Mac survey, week of Nov 5, 2026
−0.03 pts from the week before · +1.07 pts from a year earlier
Source: Freddie Mac Primary Mortgage Market Survey, via FRED
10-year Treasury yield
4.84%As of Nov 5, 2026
−0.06 pts from Nov 4, 2026 · +0.71 pts from a year earlier
Source: Board of Governors of the Federal Reserve System, via FRED
30-year fixed average, past year
10-year Treasury yield, past year
What these numbers are
Freddie Mac’s survey is published every Thursday. It reports the average rate lenders offered that week on conventional, conforming 30-year and 15-year fixed home purchase loans, for borrowers with strong credit putting 20% down. It is a national average, so it is a useful benchmark, not the rate any one person will get.
The 10-year Treasury yield is published each business day. Mortgage rates often move in the same direction as this yield over time, but not always, and not by the same amount.
Your own rate depends on your credit, down payment or equity, loan amount and program, property type and the day you lock. Checking with a broker who compares several lenders is the way to see real numbers for your situation.
Latest market update: Mortgage rate averages eased three weeks in a row: a look at the past month (November 7, 2026)
Market averages from the sources shown, for information only. Not a rate quote, offer or commitment to lend. Rates and programs are subject to change and borrower qualification. NGG Financial Inc dba RateSale, NMLS #1034679. Equal Housing Opportunity.