Mortgage Rates Center

Optimal Blue rates are based on actual rate lock transactions and therefore include borrowers across the credit spectrum. The Freddie Mac Primary Mortgage Market Survey, along with other survey rates, generally provide the rates available to the best borrowers.

This week, the average U.S. fixed rate for a 30-year mortgage averaged 3.65%, according to the Freddie Mac PMMS. While this percentage is slightly above the previous week’s average, it’s still 80 basis points below the 4.45% of the same week last year.

Mortgage rates inched up by one basis point this week with the 30-year fixed-rate mortgage averaging 3.65%,” said Sam Khater, Freddie Mac’s chief economist. “By all accounts, mortgage rates remain low and, along with a strong job market, are fueling the consumer-driven economy by boosting purchasing power, which will certainly support housing market activity in the coming months.”

3d rendering of a row of luxury townhouses along a street

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