Survey average
National average30-Year Fixed
7.240%
Freddie Mac PMMS-8 bps·-0.080%
Rates Dashboard
How national mortgage averages move.
National mortgage averages from Freddie Mac and Treasury yields, with how they have moved. Market data only — for a rate you can lock, call our team.
Market data, not our rates. These are national figures published by Freddie Mac and the U.S. Treasury. They are not rates offered by Elite Fundings and not a quote. Your rate depends on credit, loan-to-value, property type, occupancy, loan amount, and lock period — call us for one.
Mortgage rates dashboard
Treasury yields updated Monday, November 2, 2026 · 30-yr / 15-yr fixed from Freddie Mac PMMS week of Oct 29, 2026 (publishes Thursdays).
Change is from the prior published reading, in basis points (bps).
30-week trend
30-Year Fixed
High 7.400%
Low 6.230%
Published benchmarks
15-year average and Treasury yields
The 15-year fixed national average and the Treasury yields that mortgage pricing tends to follow.
Survey average
15-Year Fixed
6.600%
Freddie Mac PMMS-8 bps·-0.080%
National average, 15-year fixed conforming. Source: Freddie Mac PMMS weekly survey. Not an APR and not a rate offered by Elite Fundings.
Treasury yield
10-Year Treasury
4.910%
U.S. Treasury-3 bps·-0.030%
10-year constant-maturity Treasury yield. Source: U.S. Treasury daily yield curve.
Treasury yield
5-Year Treasury
4.700%
U.S. Treasury-1 bps·-0.010%
5-year Treasury yield. Source: U.S. Treasury daily yield curve.
Why no live rates here?
A static webpage can't quote your rate.
Live rates change multiple times per trading day.
Any rate advertised on a static webpage is stale by the time you read it. To quote a real rate you can actually lock, a licensed loan officer needs your credit range, loan amount, LTV, occupancy, and property type at minimum. The dashboard above is an educational snapshot — not a quote.
What drives your rate
- Credit score — ranges below 680 price meaningfully worse than 740+ on most conventional and jumbo programs.
- Loan-to-value (LTV) — every 5% increment typically shifts pricing.
- Occupancy — primary residence beats second home beats investment property.
- Property type — single-family prices better than condo, which beats 2-4 unit, which beats non-warrantable condo.
- Loan amount — jumbo above the high-cost county limit is a different pricing tier than conforming.
- Program — conventional, FHA, VA, jumbo, non-QM, and DSCR each carry their own rate structure.
- Market day — MBS pricing shifts multiple times per trading session.
Get a real quote
Fastest path: a 15-minute call or text with our team. We'll ask about credit, loan amount, occupancy, and the property, then quote a rate you can review before any lock.
If the scenario doesn't work at current pricing, we'll tell you what would change that.
Figures shown are national averages and index yields published by Freddie Mac and the U.S. Department of the Treasury. They are market data, not rates offered by Elite Fundings, and not a commitment to lend. Your rate, APR, and terms depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.