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Outbyte Driver Updater FREEFix the driver behind crashes, sound loss and screen glitchesFind Drivers →Outbyte PC Repair FREERepair Windows errors before they cause bigger problemsFix Now →Freddie Mac’s U.S. weekly survey reported an average 30-year fixed mortgage rate of 6.17% and a 15-year fixed rate of 5.41% on October 30, 2025. Both rates fell from the previous week and from a year earlier. These are historical national survey averages—not current rates or guaranteed offers to individual borrowers.
Mortgage rates reported on October 30, 2025
| Loan term | Freddie Mac average | Previous week | Comparable week a year earlier |
|---|---|---|---|
| 30-year fixed | 6.17% | 6.19% on October 23, 2025 | 6.72% |
| 15-year fixed | 5.41% | 5.44% | 5.99% |
Freddie Mac’s Primary Mortgage Market Survey recorded the October 30 figures. The 30-year average was 0.02 percentage points lower than the prior week and 0.55 percentage points below its year-earlier reading. The 15-year average declined 0.03 percentage points week over week and was 0.58 percentage points lower than a year earlier.
Did mortgage rates go down that week?
Yes. Freddie Mac said the 30-year fixed rate had declined for a fourth consecutive week. Its archive shows that rate at 6.27% on October 16, 6.19% on October 23, and 6.17% on October 30, 2025. The 15-year fixed average also edged down from 5.44% the previous week to 5.41%.
Freddie Mac 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.” This was his statement in the October 30, 2025 release, not a forecast or a description of rates today.
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What Freddie Mac’s averages represent
PMMS focuses on conventional, conforming, fully amortizing home-purchase loans for borrowers with excellent credit who put 20% down. The published figures are national averages for that defined profile; they are not a rate every borrower can obtain.
A lender’s offer may differ based on credit and finances, down payment, property, loan type, points, and fees. The weekly figures do not establish a particular borrower’s eligibility or personalized rate.
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- 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
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Why another weekly mortgage-rate figure may differ
Mortgage-rate surveys can measure different loan profiles and periods, so their numbers should not be treated as interchangeable. For example, the Mortgage Bankers Association’s October 29 release covered the week ending October 24 and reported contract-rate measures for specified loan profiles, including points and loan-to-value assumptions. It also reported that applications rose 7.1% week over week for that period. Those MBA measures are not a direct substitute for Freddie Mac’s October 30 PMMS averages.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to use these figures when comparing a loan
Use the October 30 averages as historical context, not as a quote or a prediction of where rates will go. For a borrowing decision, compare personalized Loan Estimates on the same basis. Review the interest rate along with points, lender fees, loan type, and eligibility rather than judging an offer solely against a national survey average.
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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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- 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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