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Clear out junk files and repair common Windows errorsFree Scan →Scan for outdated or missing drivers - takes under a minuteDriver Scan →Repair Windows errors before they cause bigger problemsFix Now →Mortgage rates on October 27, 2025, depended on the source and loan category. Fortune reported a 30-year conventional conforming average of 6.167% from an Optimal Blue-based series; the underlying loans were locked through October 24. The Mortgage Reports separately reported 6.21% for its October 27 daily average. Both are historical averages, not live quotes or guaranteed borrower rates.
October 27, 2025 mortgage rate snapshot
Fortune’s October 27 report listed the following 30-year averages. Its reported conventional conforming comparison was 6.190% one week earlier and 6.285% one month earlier.
| Loan category or term | Fortune average | Comparison or source note |
|---|---|---|
| 30-year conventional conforming | 6.167% | Optimal Blue-based data available October 27; underlying loans locked through October 24. One week earlier: 6.190%; one month earlier: 6.285%. |
| 30-year jumbo | 6.310% | Fortune’s October 27 report. |
| 30-year FHA | 6.033% | Fortune’s October 27 report. |
| 30-year VA | 5.748% | Fortune’s October 27 report. |
| 30-year USDA | 6.044% | Fortune’s October 27 report. |
| 15-year conventional | 5.415% | Fortune’s October 27 report; 5.401% one week earlier and 5.438% one month earlier. |
The Mortgage Reports gave a different daily snapshot at publication: 6.21% for a 30-year fixed mortgage and 5.56% for a 15-year fixed mortgage. Those figures belong to that publisher’s daily report, not Freddie Mac’s weekly survey. Fortune’s October 27 rate report and The Mortgage Reports’ daily report use distinct series, so their numbers should remain attributed rather than combined into a single definitive rate.
Why Freddie Mac’s weekly rate is different
Freddie Mac’s Primary Mortgage Market Survey (PMMS) reports weekly observations, not a daily rate specifically for Monday, October 27. Its archive lists 6.19% for a 30-year fixed mortgage and 5.44% for a 15-year fixed mortgage on October 23, then 6.17% and 5.41%, respectively, on October 30. These readings bracket October 27; neither is that day’s measurement. See the Freddie Mac PMMS archive.
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In Freddie Mac’s October 30 release, Chief Economist Sam Khater said, “Mortgage rates decreased for the fourth consecutive week. The last few months have brought lower rates and homebuyers are increasingly entering the market.” That comment describes the later weekly release, not a statement made on October 27. The Mortgage Reports’ October 30 coverage includes the comment.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What these historical averages mean for a borrower
The reported figures describe averages for particular rate series and loan categories. They do not establish the rate a specific borrower could have received. A lender’s offer can vary with credit, down payment, loan amount, property, location, points, lender, and other loan terms. The cited daily reports do not calculate a personalized rate.
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For an actual offer, compare lender quotes using the same borrower assumptions and loan terms. Keep the publisher or series, observation date, lock cutoff where reported, loan category, and term alongside each rate. This makes a daily conventional conforming average distinguishable from a jumbo or government-backed loan average—and from a weekly survey observation.
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