How to read this source
Freddie Mac’s mortgage-market releases offer a benchmark view of borrowing conditions and housing research. A national mortgage average describes the publisher’s methodology and observation period; it is not a personalized offer or a promise that a borrower can obtain that rate. Compare the dated benchmark with the assumptions, points and lock period on an actual lender quote.
What to check in each release
- Read the benchmark observation date and methodology.
- Keep national averages separate from advertised lender pricing.
- Use the same term and cost assumptions when comparing offers.
The headlines below retain the publisher’s dates. Open the original release for complete tables, footnotes and any later corrections, and use the accompanying guides to connect the information with a borrowing decision.