Guides & tools · Mortgage rates
Mortgage rate tracker
U.S. Freddie Mac Primary Mortgage Market Survey (PMMS) weekly averages, plus Canadian policy and posted mortgage benchmarks from the Bank of Canada Valet API. Static page — refreshed when the site publisher runs. Every figure links to its source.
As of build: Sun Nov 1, 2026 (America/Edmonton). U.S. PMMS week of Oct 29, 2026; BoC observations as dated below.
United States — Freddie Mac PMMS
| Survey week (as of) | 30-year FRM | 15-year FRM |
|---|---|---|
| as of 2026-10-29 | 7.24% | 6.60% |
| as of 2026-10-22 | 7.32% | 6.68% |
| Year ago (from Oct 29 release) | 6.17% | 5.41% |
Both 30-year and 15-year averages fell 8 basis points week over week in the Oct 29, 2026 survey (Freddie Mac PMMS). PMMS is released Thursdays at 12 p.m. ET.
Canada — Bank of Canada
- Policy interest rate (target overnight): 2.25% as of 2026-10-23 — series V39079. The Bank raised the policy rate by 25 basis points to 2½% on Oct 28, 2026.
- Conventional mortgage, 5-year (chartered-bank posted / Valet): 6.09% as of 2026-07-15 — series V80691335.
- Estimated variable mortgage rate (broker average, 5-year VRM): 3.60% as of 2026-09-10 — series BROKER_AVERAGE_5YR_VRM.
Valet API terms: bankofcanada.ca/terms · docs: valet/docs (free, no key).
Recent history — BoC 5-year conventional
| Observation date | 5-year conventional |
|---|---|
| 2026-07-15 | 6.09% |
| 2026-07-22 | 6.09% |
| 2026-07-29 | 6.09% |
| 2026-08-05 | 6.09% |
| 2026-08-12 | 6.09% |
| 2026-08-19 | 6.09% |
| 2026-08-26 | 6.09% |
| 2026-09-02 | 6.09% |
| 2026-09-09 | 6.09% |
| 2026-09-16 | 6.09% |
| 2026-09-23 | 6.09% |
| 2026-09-30 | 6.09% |
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Sources
- Freddie Mac, Primary Mortgage Market Survey — 30-year 7.24%, 15-year 6.60% as of Oct 29, 2026; prior week 7.32% / 6.68%; year-ago 6.17% / 5.41%: https://www.freddiemac.com/pmms
- Bank of Canada Valet, V39079 target overnight rate, observation 2026-10-23: JSON
- Bank of Canada, Fixed Announcement Date press release, Oct 28, 2026 (policy rate to 2½%): press release
- Bank of Canada Valet, V80691335 conventional mortgage 5-year, observation 2026-07-15: JSON
- Bank of Canada Valet, BROKER_AVERAGE_5YR_VRM, observation 2026-09-10: JSON