Daily national update

Today’s U.S. mortgage rates

Compare conventional, FHA, VA and jumbo rates pulled from trusted lenders with live underwriting context.

Average 30-year fixed

6.88%

Average 15-year fixed

6.25%

Last updated: 2025-11-17

Research-backed baseline

Rates blend Freddie Mac PMMS trends with lender submissions so the dashboard reflects live underwriting reality.

Benchmarks refreshed every Thursday after PMMS and MBA releases.

Compliance & privacy checks

We surface anonymized lender ranges. Lock decisions still require disclosures from licensed loan officers.

Plan your payment

Use today’s rates inside the mortgage calculator

Estimate PITI, amortization, PMI and payoff speed before you lock.

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Data source

National Mortgage Rate Averages

Provider: Freddie Mac Primary Mortgage Market Survey · Updated: 2025-11-17 · Refresh cadence: Weekly (Thursday)

Coverage: United States national conventional, FHA, VA and jumbo products · Notes: Synced with PMMS release Nov 14

View methodology

Primary datasets powering the national dashboard.

Mortgage data inputs

Freddie Mac PMMS

Weekly 30Y/15Y fixed averages ground the baseline we quote on the hero cards.

View source

MBA Weekly Applications Survey

Provides lender submission spreads, points, and lock activity for scenario testing.

View source

Federal Reserve H.15 / Treasury yields

Used to calculate MBS spreads, lock strategy alerts, and AI fallback assumptions.

View source

Cadence: PMMS every Thursday, MBA weekly, H.15 daily.

Capture today’s numbers, test what-if scenarios, compare lenders, then automate your lock strategy.

4-step rate tracking workflow

1. Capture the baseline

Record today’s rates, APR, points, and program mix so you know the starting line.

2. Run rate/point scenarios

Model how a 0.25% swing or different lock period changes payment, cost, and approval odds.

3. Compare lenders & programs

Stack digital lenders, banks, and credit unions; document the spread so you can negotiate credits.

4. Align locks and automation

Send the selected quote to the mortgage calculator, ROI, or savings tools to schedule cash flow and reminders.

Real decisions that tie the rate feed to mortgage and ROI tools.

How borrowers use this dashboard

Pre-approval shopper

First-time buyer juggling rate volatility and PMI thresholds.

•Timeline: Builder delivery expected in 90 days with 8% annual rent inflation.
•Plan: Watch spreads daily, then export the chosen rate to the mortgage calculator to confirm PITI.
•Result: Locked a 45-day rate with 0.125% lender credit and documented PMI removal at 80% LTV.

Estimate payments in mortgage calculator

Refi opportunist

Homeowner waiting for relief versus current 6.9% loan.

•Timeline: Needs sub-6.25% to hit a 24-month breakeven on closing costs.
•Plan: Track the national trend here, then send the scenario to the ROI calculator to weigh reinvestment.
•Result: Floated for two weeks, locked 6.19%, and set AI reminders for rate-dip alerts.

Stress-test the scenario in ROI calculator

Illustrative rates only—verify with a licensed lender.

Important mortgage rate disclaimer

Displayed ranges blend PMMS, MBA submissions, and lender partners. Your final APR depends on credit, LTV, lock period, and points.

Markets move quickly. Float/lock strategies should include cushions for 0.125%-0.25% swings plus extension fees.

FutureValueCalc is not a lender. Always pair these benchmarks with Loan Estimate disclosures and local compliance guidance.

Today’s loan pricing

Average rate, APR and point data collected from national lenders.

Conventional loans

Loan type	Rate	APR	Points
30-year fixed	6.88%	6.95%	0.25
15-year fixed	6.25%	6.31%	0.13
10-year fixed	6.13%	6.18%	0.00

FHA loans

Loan type	Rate	APR	Points
30-year fixed	6.50%	7.12%	0.50
15-year fixed	5.88%	6.45%	0.25

VA loans

Loan type	Rate	APR	Points
30-year fixed	6.38%	6.55%	0.00
15-year fixed	5.75%	5.98%	0.00

Jumbo loans

Loan type	Rate	APR	Points
30-year fixed	6.75%	6.85%	0.38
15-year fixed	6.13%	6.25%	0.25

Adjustable-rate mortgages

Loan type	Rate	APR	Points
5/1 ARM	5.88%	7.25%	0.13
7/1 ARM	6.13%	7.15%	0.25

Rate trend snapshot

Key movement over the last few months.

Oct 2024

6.43%

Focus on what moves borrower pricing this week.

Insight 1

Inflation watch

Core PCE and CPI surprises move mortgage-backed securities fastest—watch spreads before locking.

Insight 2

Lock strategy

Shorter lock periods (15–30 days) price best; float only if you can absorb a 0.25% swing.

Insight 3

Compare quotes

Spread between top quartile and average lenders is 0.31% this week—shop regional banks plus fintechs.

Mortgage rate FAQ

Answers based on lender submissions and secondary market data.

What are today’s average mortgage rates?

As of 2025-11-17, 30-year fixed runs about 6.875% while 15-year fixed averages 6.25%. FHA loans typically price 40–60 bps lower.

How do I qualify for the best rate?

Aim for 740+ credit, 20% down, DTI under 43%, and submit at least three quotes to leverage lender credits.

Should I lock now or wait?

Time the lock to key milestones: appraisal ordered, conditions satisfied, and within 30 days of closing to avoid extension fees.

Keep rates, ROI, and savings in sync

Turn live rates into automated next steps

Export the chosen quote to the ROI planner or mortgage calculator to schedule hedges, price increases, or cash cushions.

Compare in ROI calculator Model payments