7.11%
−7 bp vs Nov 5
As of Nov 12, 2026 · Updated weekly · Source: Freddie Mac Primary Mortgage Market Survey, via FRED · Feed checked Nov 14, 2026, 11:49 UTC
The desk's read · Nov 12, 2026 data
The weekly Freddie Mac Primary Mortgage Market Survey, via FRED, put the 30 year fixed mortgage rate at 7.11 percent for the week of November 12, 2026.
That is down from 7.18 percent on November 5, but up from 6.22 percent a year earlier on November 6, 2025. The 15 year fixed stood at 6.45 percent in the same November 12 survey, and the 52 week range has run from 5.98 percent in late February to 7.40 percent in early October.
The pullback does little on its own to ease the housing affordability squeeze, which stays the central constraint on buyer activity while rates remain well above the levels of a year ago.
Written by the MarketIntelLabs Housing desk from the figures on this page and approved by the Managing Editor on Nov 12, 2026. It is retired automatically when any figure on this page changes.
Previous
7.18%
Nov 5, 2026
One year ago
6.22%
+89 bp since
52-week high
7.40%
Oct 8, 2026
52-week low
5.98%
Feb 26, 2026
| Date | 30Y mortgage | Change |
|---|---|---|
| Nov 12, 2026 | 7.11% | −7 bp |
| Nov 5, 2026 | 7.18% | −6 bp |
| Oct 29, 2026 | 7.24% | −8 bp |
| Oct 22, 2026 | 7.32% | −8 bp |
| Oct 15, 2026 | 7.40% | unchanged |
| Oct 8, 2026 | 7.40% | +12 bp |
| Oct 1, 2026 | 7.28% | +25 bp |
| Sep 24, 2026 | 7.03% | +8 bp |
| Sep 17, 2026 | 6.95% | +19 bp |
| Sep 10, 2026 | 6.76% | +5 bp |
| Sep 3, 2026 | 6.71% | +5 bp |
| Aug 27, 2026 | 6.66% | +1 bp |
Most recent first; change is versus the prior reading shown. Source: Freddie Mac Primary Mortgage Market Survey, via FRED.
Related series
Freddie Mac Primary Mortgage Market Survey, via FRED; figures as published, read by MarketIntelLabs.
The average rate lenders quoted on a 30-year fixed mortgage in Freddie Mac's weekly Primary Mortgage Market Survey. It is published every Thursday and covers conforming loans with 20% down; the rate you are offered will differ with your credit, points and lender.
It is the single number that sets what a household can afford to borrow. Mortgage rates follow the 10-year Treasury yield plus a spread, so they move with inflation expectations and the Fed's path, not the Fed's rate directly.
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