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No—not in Freddie Mac’s latest weekly national survey. Its October 8, 2026, survey put the average 30-year fixed mortgage rate at 7.40%, up from 7.28% the previous week. The average 15-year fixed rate also rose, to 6.73% from 6.60%. Those figures do not support describing the weekly benchmarks as being at two-week lows.
What Freddie Mac’s latest weekly survey shows
Freddie Mac’s Primary Mortgage Market Survey reported these averages as of October 8, 2026:
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- 30-year fixed: 7.40%, compared with 7.28% one week earlier.
- 15-year fixed: 6.73%, compared with 6.60% one week earlier.
The recent 30-year sequence in Freddie Mac’s survey archive is 7.03% on September 24, 7.28% on October 1, and 7.40% on October 8. Each weekly reading was higher than the one before it. The 15-year and 30-year figures are averages for different loan terms, so they should not be treated as interchangeable.
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These are Freddie Mac survey averages, not guaranteed lender offers or a borrower’s locked rate. Freddie Mac says its survey focuses on conventional, conforming, fully amortizing home-purchase loans for borrowers with excellent credit who put 20% down. A borrower with a different credit profile, down payment, loan type, or other loan details may receive a different quote.
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The figures above are weekly benchmarks. Daily lender rate sheets and other daily measures can move differently, and the October 8 weekly survey alone cannot establish whether a reliable daily measure showed a two-week low on October 9. Without a dated daily series, that separate claim is unverified.
How to compare mortgage quotes
A national average can provide context, but shopping requires comparing offers for your own circumstances. Freddie Mac Chief Economist Sam Khater advises borrowers to shop around and get multiple quotes, noting that doing so can potentially save thousands over a loan’s lifetime. To make offers meaningfully comparable, line up:
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- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan AMT, Int, Term, PMT. This industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and much more
- CONFIDENTLY AND EASILY SOLVES: All your clients' financial questions whether they are buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: At the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or tvm calculations Find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: Reduce your clients' confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket User's Guide, and long-life batteries
- the same loan term, such as 15-year or 30-year fixed;
- the loan amount and down payment;
- the borrower and credit assumptions used for each quote;
- points and fees, as well as the quoted interest rate; and
- the rate-lock period and the date of each quote.
A lower advertised rate is not automatically the less expensive offer if it comes with different points, fees, or lock terms. Compare the details, not just the headline percentage.
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- Input any three loan variables to compute the fourth.
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- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan Amt, Int, Term, Pmt; this industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and more
- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: To your clients by reducing their confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket user's guide, and long-life battery
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- DEDICATED FUNCTION KEYS for Quick Financial Solutions: Clearly labeled function keys enable you to quickly and confidently provide financial answers and options for your clients, whether in the office, in the car or at an open house. Compare loan options and provide payment solutions to give your client choices
- INSTANT FINANCIAL PROBLEM SOLVING: Solve the financial questions your clients have whether they are buyers, investors or renters; increase your perceived professionalism and close more home sales by quickly answering real estate finance problems including remaining balances
- RESIDENTIAL REAL ESTATE FINANCE TERMS: Keys labeled in residential real estate finance terms like Loan AMT, Int, Term, PMT; Calculator is super easy to use to determine a mortgage loan that works for your client
- VERSATILE LOAN CALCULATION OPTIONS: Calculate 80:10:10 or 80:15:5 combo loans at the press of a button; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices
- COMES COMPLETE: Comes with a protective slide cover, quick reference guide, pocket user's guide, two long-life batteries, and 1-year warranty
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