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Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →Outbyte Driver Updater FREEFix the driver behind crashes, sound loss and screen glitchesFind Drivers →The state-by-state mortgage rates reportedly published for Dec. 16, 2024, could not be verified, so reliable figures for that date should not be presented as fact. Freddie Mac’s mortgage survey offers a useful national benchmark, but it does not provide state-level rates or a personal quote.
What the Dec. 16, 2024 state rates show
No verifiable state-by-state rate table for Dec. 16, 2024 is available here. Without the original table and its methodology, assigning a rate to any state—or estimating one from a national average—would be misleading.
A useful comparison requires more than a state and a percentage. It should identify the publication date, loan term, fixed or adjustable structure, loan type, borrower assumptions, whether the number is an interest rate or APR, and any fees or points included. Those details are not established for the target table.
How to interpret a national mortgage-rate benchmark
Freddie Mac’s Primary Mortgage Market Survey (PMMS) reports weekly national averages for 30-year and 15-year fixed mortgages. Its methodology describes rates collected from thousands of applications submitted through Loan Product Advisor by lenders across the country. The current criteria cover weekly conventional, single-family originations within conforming loan limits. The survey is published on Thursdays and averages rates offered from the preceding Thursday through Wednesday. Freddie Mac’s PMMS page explains the method and current results.
As of Oct. 1, 2026, Freddie Mac displayed national averages of 7.28% for a 30-year fixed-rate mortgage and 6.60% for a 15-year fixed-rate mortgage. These are later, national figures—not state rates for Dec. 16, 2024. They cannot be used to reconstruct or substitute for the missing historical table.
Freddie Mac also says it no longer publishes fees and points in its current PMMS because lenders do not always provide them. A survey average is therefore a benchmark, not a complete account of a borrower’s total borrowing cost.
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Why your mortgage quote may differ
A quoted rate applies to a particular loan product, borrower, and point in time. PMMS reports weekly averages, not personalized offers. A lender quote may differ from a national average because the borrower, loan terms, and pricing details are not necessarily the same. A historical rate snapshot should not be treated as an offer available today.
When comparing published state figures, first confirm that the figures share the same date, term, loan type, borrower assumptions, and rate-versus-APR basis. If the source does not explain those assumptions, the numbers may not be directly comparable even if they are listed side by side.
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