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1Fix the driver behind crashes, sound loss and screen glitches2Repair Windows errors before they cause bigger problems3Scan for outdated or missing drivers - takes under a minuteMortgage-rate reports published for October 28, 2025, did not give one universal 30-year rate. They ranged from 6.13% to 6.29% among the cited daily reports, while other sources used weekly averages, lender surveys, or loan-lock data. These figures describe different samples and measurement windows—not a rate every borrower could obtain.
What mortgage rates were reported on October 28, 2025?
The figures below are historical reports, not current offers. Each reflects the source’s own methodology and timing, so compare like with like rather than treating them as competing measurements of a single national rate.
| Source and measurement | 30-year fixed or conventional | 15-year fixed or conventional | Other reported rates |
|---|---|---|---|
| Daily Tech Finance: weekly lender survey, described as accurate October 28, 2025 | 30-year fixed: 6.23% | 5.63% | 5/1 ARM: 5.54%; 30-year fixed jumbo: 6.49%. Daily Tech Finance rate report |
| Fortune: Optimal Blue rates reviewed October 27; loans reflected locks through October 24, 2025 | 30-year conventional: 6.155% | 15-year conventional: 5.389% | 30-year jumbo: 6.531%; FHA: 6.114%; VA: 5.726%; USDA: 5.999%. Fortune rate report |
| Freddie Mac weekly average, as reported by The Mortgage Reports; week of October 23, 2025 | 30-year fixed: 6.19% | 15-year fixed: 5.44% | Not stated. The Mortgage Reports’ weekly benchmark coverage |
| Mortgage News Daily daily rate, as reported by HousingWire, October 28 | 30-year rate: 6.13% | Not stated | Not stated. HousingWire’s report |
| HousingWire locked-loan center, October 28 | 30-year conforming: 6.29% | Not stated | Not stated. HousingWire’s report |
A secondary aggregation, The Rate Update, also showed Freddie Mac’s week-ending October 23 30-year figure at 6.19%, Mortgage News Daily’s October 27 close at 6.19%, and Zillow’s October 28 30-year rate at 5.88%. It cautioned that third-party figures may rely on assumptions or points, and described its points toggle as illustrative. Those values are best treated as an aggregation, not a replacement for each underlying series: The Rate Update’s October 28 snapshot.
Why do the reported rates differ?
The sources measure different things. Daily Tech Finance described its numbers as a weekly lender survey; Fortune’s Optimal Blue figures were based on loans locked through October 24 and reviewed October 27; Freddie Mac’s figures were weekly averages for the week of October 23. A daily market rate, a lender survey, a locked-loan dataset, and a weekly benchmark have different populations and time windows.
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The Mortgage Reports also distinguished Freddie Mac’s weekly averages from its own displayed daily rates and APRs, which it said were averages from multiple lending partners based on sample borrower profiles. Those are separate series. Neither a weekly benchmark nor a survey figure is a same-day personalized lender offer.
What is a good mortgage rate?
There is no meaningful answer without the loan and borrower context. A rate is useful to you only when compared with offers for the same program and term, with comparable fees and assumptions. Conventional, FHA, VA, USDA, and jumbo loans are not interchangeable, and a 15-year fixed quote should not be judged against a 30-year fixed quote as if the terms were the same.
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Your actual offer depends on factors including your borrower profile, loan type, term, down payment, loan amount, property, and fees. A national or provider-specific average is context, not a promise of what you qualify for.
How to compare mortgage offers fairly
- Match the loan: compare the same loan program, term, rate structure, loan amount, down payment, and property assumptions.
- Compare rate and APR: the interest rate alone does not capture all borrowing costs. Review the APR alongside the rate.
- Check points and lender fees: a lower advertised rate may require upfront discount points. Compare quotes with points treated consistently, and account for lender fees.
- Check the rate-lock period: make sure the offers cover the same lock duration so the terms are comparable.
- Get personalized quotes from multiple lenders: compare banks, credit unions, mortgage companies, and other lenders available to you using the same assumptions.
What the October 28 snapshot can—and cannot—tell you
It can show the range of figures published around that date and illustrate why the source and measurement window matter. The cited reports do not establish a single “true” national rate for October 28, and the available reporting does not provide a direct primary-source page for the specific daily values. Treat each number as attributed to its publisher and methodology.
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Clear out junk files and repair common Windows errorsFree Scan →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →A contemporaneous forecast should not be mistaken for a later result or today’s outlook. Rick Sharga, then president and CEO of CJ Patrick Company, told The Mortgage Reports that further economic slowing and a weakening jobs market “could force the Fed’s hand to cut further and faster,” which he said would likely lead to lower mortgage rates toward year-end. That was a forecast at the time, not a verified outcome. The Mortgage Reports’ coverage.
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