Rate watch on VISBL
VISBL Mortgage Rate Index™
The Visbl Mortgage Rate Index (VMRI) reflects the average zero-point rate across the lender rate sheets priced on Visbl. For comparison, the PMMS® average reflects rates reported through Freddie Mac’s Primary Mortgage Market Survey®.
Loan Purpose
As of Nov 5, 2026
VISBL Mortgage Rate Index VS. National average (PMMS)
30-Year Fixed • VISBL vs. National average
National average
7.18%
VISBL average rate
6.61%
- Difference
- 0.57 pts
Rate history: the last 30 days on record
| Date | 30-Year Fixed | 15-Year Fixed | 30-Year FHA | 30-Year VA | PMMS 30-year fixed | PMMS 15-year fixed |
|---|---|---|---|---|---|---|
| 6.607% (7 lenders) | 6.218% (7 lenders) | 6.220% (6 lenders) | 6.258% (5 lenders) | 7.18% | 6.57% | |
| 6.715% (7 lenders) | 6.309% (7 lenders) | 6.321% (6 lenders) | 6.355% (5 lenders) | 7.24% | 6.60% | |
| 6.717% (7 lenders) | 6.320% (7 lenders) | 6.329% (6 lenders) | 6.368% (5 lenders) | 7.24% | 6.60% | |
| 6.754% (7 lenders) | 6.377% (7 lenders) | 6.361% (6 lenders) | 6.404% (5 lenders) | 7.32% | 6.68% | |
| 6.682% (8 lenders) | 6.249% (8 lenders) | 6.282% (7 lenders) | 6.305% (6 lenders) | 7.32% | 6.68% | |
| 6.775% (8 lenders) | 6.313% (8 lenders) | 6.364% (7 lenders) | 6.395% (6 lenders) | 7.40% | 6.71% | |
| 6.806% (8 lenders) | 6.364% (8 lenders) | 6.380% (7 lenders) | 6.417% (6 lenders) | 7.40% | 6.71% | |
| 6.723% (8 lenders) | 6.299% (8 lenders) | 6.300% (7 lenders) | 6.332% (6 lenders) | 7.40% | 6.71% | |
| 6.935% (8 lenders) | 6.446% (7 lenders) | 6.548% (7 lenders) | 6.552% (6 lenders) | 7.40% | 6.73% | |
| 6.927% (8 lenders) | 6.386% (7 lenders) | 6.542% (7 lenders) | 6.559% (6 lenders) | 7.40% | 6.73% | |
| 6.973% (8 lenders) | 6.441% (7 lenders) | 6.534% (7 lenders) | 6.563% (6 lenders) | 7.28% | 6.60% | |
| 6.961% (8 lenders) | 6.435% (7 lenders) | 6.507% (7 lenders) | 6.536% (6 lenders) | 7.28% | 6.60% | |
| 6.902% (8 lenders) | 6.595% (8 lenders) | 6.449% (7 lenders) | 6.491% (6 lenders) | 7.03% | 6.42% | |
| 6.806% (8 lenders) | 6.414% (8 lenders) | 6.305% (7 lenders) | 6.362% (6 lenders) | 7.03% | 6.42% | |
| 6.903% (7 lenders) | 6.558% (7 lenders) | 6.396% (6 lenders) | 6.483% (5 lenders) | 7.03% | 6.42% | |
| 6.694% (7 lenders) | 6.251% (7 lenders) | 6.235% (6 lenders) | 6.283% (5 lenders) | 6.95% | 6.26% | |
| 6.733% (7 lenders) | 6.299% (7 lenders) | 6.264% (6 lenders) | 6.322% (5 lenders) | 6.95% | 6.26% | |
| 6.709% (7 lenders) | 6.262% (7 lenders) | 6.249% (6 lenders) | 6.286% (5 lenders) | 6.76% | 6.09% | |
| 6.564% (7 lenders) | 6.098% (7 lenders) | 6.098% (6 lenders) | 6.135% (6 lenders) | 6.76% | 6.09% | |
| 6.419% (7 lenders) | 5.929% (7 lenders) | 5.920% (6 lenders) | 5.972% (6 lenders) | 6.76% | 6.09% | |
| 6.265% (7 lenders) | 5.633% (7 lenders) | 5.780% (6 lenders) | 5.828% (6 lenders) | 6.71% | 6.04% | |
| 6.266% (7 lenders) | 5.641% (7 lenders) | 5.773% (5 lenders) | 5.816% (5 lenders) | 6.71% | 6.04% | |
| 6.399% (6 lenders) | 5.761% (6 lenders) | 5.926% (5 lenders) | 5.986% (5 lenders) | 6.66% | 5.98% | |
| 6.370% (6 lenders) | 5.719% (6 lenders) | 5.869% (5 lenders) | 5.955% (5 lenders) | 6.66% | 5.98% | |
| 6.278% (6 lenders) | 5.621% (6 lenders) | 5.771% (5 lenders) | 5.847% (5 lenders) | 6.66% | 5.98% | |
| 6.270% (6 lenders) | 5.616% (6 lenders) | 5.720% (4 lenders) | 5.801% (4 lenders) | 6.65% | 5.95% | |
| 6.331% (6 lenders) | 5.637% (6 lenders) | 5.824% (5 lenders) | 5.892% (5 lenders) | 6.65% | 5.95% | |
| 6.323% (6 lenders) | 5.602% (6 lenders) | 5.809% (5 lenders) | 5.871% (5 lenders) | 6.67% | 5.96% | |
| 6.293% (6 lenders) | 5.589% (6 lenders) | 5.790% (5 lenders) | 5.845% (5 lenders) | 6.67% | 5.96% | |
| 6.228% (6 lenders) | 5.529% (6 lenders) | 5.683% (4 lenders) | 5.749% (4 lenders) | 6.67% | 5.96% |
National averages as of November 5, 2026 · Source: Freddie Mac Primary Mortgage Market Survey (PMMS). FHA and VA are compared with the conventional 30-year PMMS because Freddie Mac does not survey FHA or VA loans. How VMRI is calculated: Each lender with a current rate sheet on VISBL contributes its par rate for the product: the zero-point rate its sheet prices at 100.00 for a 30-day lock (the shortest lock quoted if no sheet offers 30 days), before loan-level price adjustments and loan officer fees. VMRI is the equal-weight average of those par rates. It is not a quote, an APR or the lowest rate available to any borrower. Individual rates vary by lender, credit profile, and loan terms. Search VISBL to see live, personalized quotes.
