Freddie Mac did not publish a weekly mortgage-rate reading on October 1, 2025. Its nearest observations were September 25 and October 2: the 30-year fixed average rose from 6.30% to 6.34%, while the 15-year fixed average rose from 5.49% to 5.55%. Those figures bracket the date; they are not an October 1 rate or a personal quote.
What were mortgage rates around October 1, 2025?
Freddie Mac’s weekly survey reported these national averages:
As an Amazon Associate I earn from qualifying purchases.
| Weekly observation | 30-year fixed | 15-year fixed |
|---|---|---|
| September 25, 2025 | 6.30% | 5.49% |
| October 2, 2025 | 6.34% | 5.55% |
There is no October 1 observation in the official weekly archive. Between the two nearest readings, the 30-year average increased 0.04 percentage points and the 15-year average increased 0.06 percentage points. The data therefore do not establish that rates held steady on October 1. Freddie Mac’s archive provides the dated weekly series.
These are historical 2025 national survey averages, not current 2026 rates and not guaranteed offers to individual borrowers. A lender’s offer depends on the borrower and transaction.
#1 Best Overall
- Loan Amortization and Remaining Balances
- Instant Principal, Interest, Interest Only and Total Payments
- Future Values
- Date math function
Why your mortgage quote may differ from the average
A national average is useful context, but it cannot tell you the rate available for your specific application. Loan type, term, down payment, and other borrower and transaction details affect the offer a lender presents. Request a Loan Estimate so you can review the actual terms and costs for your situation. The Consumer Financial Protection Bureau’s Loan Estimate guide explains how to read it.
How to compare mortgage offers
Ask multiple lenders for estimates using the same loan type, program, term, and down-payment assumptions. Compare the documents side by side rather than choosing by the advertised rate alone. The CFPB recommends shopping and comparing multiple Loan Estimates. Its comparison guide can help you review the offers.
Rank #2
- 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
- Interest rate and APR: The interest rate is the annual cost of borrowing before fees. APR includes the rate plus certain points, broker fees, and other charges, so it gives a broader cost measure. Compare both, alongside the other terms.
- Points and lender charges: Review the points, fees, and other costs listed in each estimate; a lower rate may come with higher upfront costs.
- Payment and loan terms: Check the loan amount, term, and monthly principal-and-interest payment. For an adjustable-rate mortgage, find out whether and when the payment can change.
- Rate lock and timing: Compare the lock period and conditions, as well as the lender’s ability to meet your closing timeline.
Should you lock a mortgage rate?
A rate lock can protect a quoted rate for a specified period, subject to its conditions. Typically, you must close within the stated timeframe and avoid changes to the application. Ask the lender when the lock starts, its expiration date, what an extension costs, and what happens if rates fall. The CFPB outlines how mortgage rate locks work.
Do these 3 things before closing this tab:
1Scan for outdated or missing drivers - takes under a minute2Clear out junk files and repair common Windows errors3Fix the driver behind crashes, sound loss and screen glitchesQuick Recap
Best Value
- Extra large 12-digit angled display.
- Loan Wizard.
- Automatic Tax Keys.
- Selectable decimal setting.
- Input any three loan variables to compute the fourth.
Rank #4
- 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
Rank #3
- 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
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
