Updated weekly
Average mortgage rates for the week of November 12, 2026
The 30-year average fell 0.07 to 7.11% this week, and the 15-year average fell 0.12 to 6.45%. A year ago the 30-year average was 6.24%, so it is 0.87 points higher than last year.
30-year fixed average
7.11%
Week over week: −0.07 · Year over year: +0.87
As of November 12, 2026 · Freddie Mac PMMS
15-year fixed average
6.45%
Week over week: −0.12 · Year over year: +0.96
As of November 12, 2026 · Freddie Mac PMMS
Last 12 weeks
| Week of | 30-year fixed | 15-year fixed |
|---|---|---|
| November 12, 2026 | 7.11% | 6.45% |
| November 5, 2026 | 7.18% | 6.57% |
| October 29, 2026 | 7.24% | 6.60% |
| October 22, 2026 | 7.32% | 6.68% |
| October 15, 2026 | 7.40% | 6.71% |
| October 8, 2026 | 7.40% | 6.73% |
| October 1, 2026 | 7.28% | 6.60% |
| September 24, 2026 | 7.03% | 6.42% |
| September 17, 2026 | 6.95% | 6.26% |
| September 10, 2026 | 6.76% | 6.09% |
| September 3, 2026 | 6.71% | 6.04% |
| August 27, 2026 | 6.66% | 5.98% |
About these rates
These are Freddie Mac's Primary Mortgage Market Survey (PMMS) weekly averages for conforming 30-year and 15-year fixed-rate mortgages. PMMS is a national purchase-mortgage benchmark, not a local refinance quote; refinance offers depend on your credit, equity, loan size, property and lender. reficalculator.com is not a lender. See our methodology for how we use these rates.