National weekly benchmark · September 3, 2026
How to read this week's mortgage-rate averages
Freddie Mac reported a 6.71% average for 30-year fixed mortgages and a 6.04% average for 15-year fixed mortgagesas of September 3, 2026. That was up from 6.66% and 5.98% one week earlier. Its Primary Mortgage Market Survey uses rates collected from thousands of conventional, conforming purchase applications submitted through Loan Product Advisor. It is a national weekly reference, not one lender's offer and not the rate every borrower received.
Compare the weekly average with a quote only after checking the same loan term, loan type, occupancy, points or credits, fees, lock period, and APR. The sample cards below use a stated borrower and property scenario, so a number above or below the national average does not by itself make a loan expensive or inexpensive.
Purchase Offers Worth Checking
Eligible buyers may qualify for payment relief, appraisal credits, or buyer assistance.
Published Sample Mortgage Rates
Use these sample rates as a general reference, then request a personalized quote for your property and borrower profile.
- Strong-credit sample borrower profile
- Primary residence scenario
- California owner-occupied examples
- Sample APR shown for the same example profile
Reference-rate disclosures
- • Rates shown are examples only and are not a loan estimate, rate lock, commitment to lend, or approval.
- • Actual rate, APR, payment, and costs may vary based on credit profile, loan amount, property type, occupancy, location, loan program, down payment, and other factors.
- • Rates are subject to change without notice.
- • APR values shown are sample estimates for the stated example profile and may be higher or lower depending on loan terms and fees.
- • Temporary payment reduction options lower payments for a limited period only; the note rate does not permanently decrease.
- • Credits and offers are subject to eligibility, availability, program rules, and loan approval.