This week's mortgage and auto loan benchmark rates
National average rates from Freddie Mac's weekly mortgage survey and the Federal Reserve's consumer credit release, with recent trends. National averages, not an offer
Personalized lender rates
We don't show lender-specific rates yet. To see offers for your situation, request Loan Estimates or pre-approvals from several lenders, or check today's ranges by credit score and down payment with the CFPB's free Explore Interest Rates tool.
30-year fixed mortgage (national weekly average)
53 weeks of data shown.
Latest: 7.24% (Oct 29, 2026); previous 7.32% (Oct 22, 2026). A year earlier (Oct 30, 2025) it was 6.17%. What it measures: Conventional, conforming, purchase loans to borrowers with strong credit and 20% down; average of the Thursday-Wednesday application week. Source: Freddie Mac Primary Mortgage Market Survey (PMMS) · Information provided by Freddie Mac. (same data as FRED series MORTGAGE30US).
Recent values
| Period | Rate |
|---|---|
| Oct 29, 2026 | 7.24% |
| Oct 22, 2026 | 7.32% |
| Oct 15, 2026 | 7.40% |
| Oct 8, 2026 | 7.40% |
| Oct 1, 2026 | 7.28% |
| Sep 24, 2026 | 7.03% |
| Sep 17, 2026 | 6.95% |
| Sep 10, 2026 | 6.76% |
15-year fixed mortgage (national weekly average)
53 weeks of data shown.
Latest: 6.60% (Oct 29, 2026); previous 6.68% (Oct 22, 2026). A year earlier (Oct 30, 2025) it was 5.41%. What it measures: Same borrower profile as the 30-year average. Source: Freddie Mac Primary Mortgage Market Survey (PMMS) · Information provided by Freddie Mac. (same data as FRED series MORTGAGE15US).
Recent values
| Period | Rate |
|---|---|
| Oct 29, 2026 | 6.60% |
| Oct 22, 2026 | 6.68% |
| Oct 15, 2026 | 6.71% |
| Oct 8, 2026 | 6.73% |
| Oct 1, 2026 | 6.60% |
| Sep 24, 2026 | 6.42% |
| Sep 17, 2026 | 6.26% |
| Sep 10, 2026 | 6.09% |
60-month new-car loan at commercial banks
12 quarters of data shown.
Latest: 7.54% (2026 Q3); previous 7.14% (2026 Q2). What it measures: Average rate at commercial banks; not seasonally adjusted. Source: Federal Reserve Board, G.19 Consumer Credit (Terms of Credit) (same data as FRED series RIFLPBCIANM60NM).
Recent values
| Period | Rate |
|---|---|
| 2026 Q3 | 7.54% |
| 2026 Q2 | 7.14% |
| 2026 Q1 | 7.53% |
| 2025 Q4 | 7.24% |
| 2025 Q3 | 7.64% |
| 2025 Q2 | 7.67% |
| 2025 Q1 | 8.04% |
| 2024 Q4 | 7.82% |
72-month new-car loan at commercial banks
12 quarters of data shown.
Latest: 7.17% (2026 Q3); previous 6.97% (2026 Q2). What it measures: Average rate at commercial banks; not seasonally adjusted. Source: Federal Reserve Board, G.19 Consumer Credit (Terms of Credit) (same data as FRED series RIFLPBCIANM72NM).
Recent values
| Period | Rate |
|---|---|
| 2026 Q3 | 7.17% |
| 2026 Q2 | 6.97% |
| 2026 Q1 | 7.53% |
| 2025 Q4 | 7.50% |
| 2025 Q3 | 7.80% |
| 2025 Q2 | 7.73% |
| 2025 Q1 | 8.16% |
| 2024 Q4 | 7.67% |
New-car loan at auto finance companies
12 quarters of data shown.
Latest: 6.31% (2026 Q2); previous 6.16% (2026 Q1). What it measures: Average rate on new-car loans made by finance companies (including captive lenders); can reflect manufacturer-subsidized rates. Source: Federal Reserve Board, G.19 Consumer Credit (Terms of Credit) (same data as FRED series RIFLPCFANNM).
Recent values
| Period | Rate |
|---|---|
| 2026 Q2 | 6.31% |
| 2026 Q1 | 6.16% |
| 2025 Q4 | 6.13% |
| 2025 Q3 | 6.27% |
| 2025 Q2 | 6.61% |
| 2025 Q1 | 6.43% |
| 2024 Q4 | 6.04% |
| 2024 Q3 | 6.19% |
24-month personal loan at commercial banks
12 quarters of data shown.
Latest: 11.90% (2026 Q3); previous 11.86% (2026 Q2). What it measures: Average rate at commercial banks; not seasonally adjusted. Source: Federal Reserve Board, G.19 Consumer Credit (Terms of Credit) (same data as FRED series TERMCBPER24NS).
Recent values
| Period | Rate |
|---|---|
| 2026 Q3 | 11.90% |
| 2026 Q2 | 11.86% |
| 2026 Q1 | 11.36% |
| 2025 Q4 | 11.63% |
| 2025 Q3 | 11.14% |
| 2025 Q2 | 11.57% |
| 2025 Q1 | 11.66% |
| 2024 Q4 | 12.32% |
Methodology and update schedule
- Mortgages: Freddie Mac's Primary Mortgage Market Survey (PMMS) is published weekly, usually Thursdays at 12 p.m. ET. It reflects conventional, conforming purchase loans for borrowers with strong credit and 20% down. Information provided by Freddie Mac. We show the data unaltered.
- Auto and personal loans: the Federal Reserve's G.19 Consumer Credit release reports average rates at commercial banks (quarterly series) and new-car rates at auto finance companies. Federal Reserve data is in the public domain. G.19 last updated: October 07, 2026.
- Not shown: we don't publish FHA, VA, USDA, jumbo, HELOC or used-car averages. The free indexes we found for those are licensed for non-commercial use only or are no longer published. For those loans, compare quotes from lenders.
- Data file: /data/rates.json (machine-readable, includes sources). Data last refreshed 2026-10-29 17:01:32 UTC.
How to use benchmark rates
Use them to see whether rates are rising or falling and to sanity-check quotes, then get offers. Compare APR, points and fees on each Loan Estimate, and see how to negotiate.
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