How have FreeRateUpdate's "As Low As" network rates moved over time?
FreeRateUpdate's most recent verified rate and APR for Purchase — 30-Year Fixed is 6.247% (6.430 APR), the rate and APR of the lowest-APR verified offer, recorded as a dated snapshot. The table and chart below show how this rate has moved over time, so you can see the trend rather than a single day's figure.
Last updated October 27, 2026| Most recent verified rate | 6.247% |
|---|---|
| Most recent verified APR | 6.430 APR |
| Points on that snapshot | 1.539 |
| Snapshot date | Oct 27, 2026 |
| Verified snapshots shown | 62 |
Recorded as a dated snapshot of the rate and APR of the lowest-APR verified offer in the FreeRateUpdate network — not a market-wide claim and not a quote. The full history is in the table below.
Can I see how the rate has changed?
Each row is the rate and APR of the lowest-APR verified offer from a lender or broker actively participating in FreeRateUpdate's network on that date, for the 30yr fixed purchase product shown. Each row carries its snapshot date; the visible "Last updated" stamp above reflects the most recent one.
What has the rate been, day by day?
| Date | Rate | APR | Points |
|---|---|---|---|
| Oct 27, 2026 | 6.247% | 6.430 APR | 1.539 |
| Oct 26, 2026 | 6.247% | 6.412 APR | 1.352 |
| Oct 25, 2026 | 6.249% | 6.441 APR | 1.638 |
| Oct 24, 2026 | 6.249% | 6.441 APR | 1.638 |
| Oct 22, 2026 | 6.374% | 6.558 APR | 1.533 |
| Oct 21, 2026 | 6.374% | 6.529 APR | 1.240 |
| Oct 20, 2026 | 6.374% | 6.540 APR | 1.358 |
| Oct 19, 2026 | 6.249% | 6.476 APR | 1.990 |
| Oct 18, 2026 | 6.249% | 6.476 APR | 1.990 |
| Oct 17, 2026 | 6.249% | 6.453 APR | 1.756 |
| Oct 16, 2026 | 6.374% | 6.506 APR | 1.007 |
| Oct 15, 2026 | 6.371% | 6.514 APR | 1.116 |
| Oct 14, 2026 | 6.374% | 6.563 APR | 1.586 |
| Oct 13, 2026 | 6.373% | 6.601 APR | 1.985 |
| Oct 12, 2026 | 6.373% | 6.601 APR | 1.985 |
| Oct 9, 2026 | 6.625% | 6.833 APR | 1.890 |
| Oct 8, 2026 | 6.750% | 6.923 APR | 1.531 |
| Oct 7, 2026 | 6.750% | 6.923 APR | 1.535 |
| Oct 6, 2026 | 6.750% | 6.933 APR | 1.634 |
| Oct 5, 2026 | 6.750% | 6.917 APR | 1.467 |
| Oct 2, 2026 | 6.625% | 6.837 APR | 1.932 |
| Oct 1, 2026 | 6.750% | 6.942 APR | 1.532 |
| Sep 30, 2026 | 6.750% | 6.911 APR | 1.411 |
| Sep 28, 2026 | 6.500% | 6.717 APR | 1.998 |
| Sep 25, 2026 | 6.500% | 6.711 APR | 1.943 |
| Sep 24, 2026 | 6.490% | 6.691 APR | 1.838 |
| Sep 23, 2026 | 6.250% | 6.456 APR | 1.926 |
| Sep 22, 2026 | 6.250% | 6.468 APR | 1.853 |
| Sep 21, 2026 | 6.250% | 6.474 APR | 1.916 |
| Sep 18, 2026 | 6.250% | 6.444 APR | 1.796 |
| Sep 17, 2026 | 6.375% | 6.564 APR | 1.541 |
| Sep 16, 2026 | 6.375% | 6.553 APR | 1.617 |
| Sep 15, 2026 | 6.375% | 6.549 APR | 1.577 |
| Sep 11, 2026 | 6.250% | 6.449 APR | 1.852 |
| Sep 10, 2026 | 5.990% | 6.214 APR | 1.949 |
| Sep 9, 2026 | 6.000% | 6.201 APR | 1.898 |
| Sep 8, 2026 | 5.990% | 6.183 APR | 1.636 |
| Sep 7, 2026 | 5.990% | 6.183 APR | 1.636 |
| Sep 4, 2026 | 5.875% | 6.096 APR | 1.938 |
| Sep 3, 2026 | 6.000% | 6.209 APR | 1.989 |
| Sep 2, 2026 | 5.990% | 6.200 APR | 1.993 |
| Sep 1, 2026 | 5.990% | 6.182 APR | 1.812 |
| Aug 27, 2026 | 5.875% | 6.057 APR | 1.724 |
| Aug 26, 2026 | 5.875% | 6.047 APR | 1.617 |
| Aug 25, 2026 | 5.990% | 6.150 APR | 1.473 |
| Aug 24, 2026 | 5.875% | 6.069 APR | 1.847 |
| Aug 21, 2026 | 5.875% | 6.078 APR | 1.944 |
| Aug 20, 2026 | 5.875% | 6.048 APR | 1.623 |
| Aug 19, 2026 | 5.990% | 6.156 APR | 1.539 |
| Aug 18, 2026 | 5.875% | 6.081 APR | 1.968 |
| Aug 17, 2026 | 5.750% | 5.948 APR | 1.715 |
| Aug 14, 2026 | 5.750% | 5.971 APR | 1.958 |
| Aug 13, 2026 | 5.875% | 6.052 APR | 1.666 |
| Aug 12, 2026 | 5.623% | 5.815 APR | 1.712 |
| Aug 11, 2026 | 5.875% | 6.070 APR | 1.859 |
| Aug 10, 2026 | 5.623% | 5.794 APR | 1.488 |
| Aug 7, 2026 | 5.623% | 5.835 APR | 1.919 |
| Aug 6, 2026 | 5.623% | 5.776 APR | 1.291 |
| Aug 5, 2026 | 5.623% | 5.789 APR | 1.431 |
| Aug 4, 2026 | 5.873% | 6.020 APR | 1.209 |
| Aug 2, 2026 | 5.875% | 6.083 APR | 1.829 |
| Jul 30, 2026 | 5.625% | 5.840 APR | 1.928 |
Note: purchase.30yr_fixed: 31 series point(s) withheld; each withheld point could not be backed by its own capture (SEO-250). These are the best rates and APRs we can verify being offered by lenders and brokers in the FreeRateUpdate network for Purchase — 30-Year Fixed, tracked over time — not a market-wide "lowest rate" claim, not attributed to any specific lender, and not a quote for any individual borrower.
Loading rate history…
Why does this differ from a survey average like the Freddie Mac PMMS?
Survey averages like the Freddie Mac PMMS report what a broad panel of lenders is charging on average. This dataset instead tracks the rate and APR of the lowest-APR verified offer across FreeRateUpdate's own network in each dated snapshot, which is why it will typically run below a survey average and can move independently of it. See the network-vs-PMMS comparison page for a direct side-by-side.
Where does this data come from, and what are its limits?
Figures are compiled from FreeRateUpdate's own advertised-rate snapshot pipeline of participating in-network lenders and brokers. They are not a quote, a commitment, or a guarantee of the rate available to any individual borrower, and coverage is limited to lenders currently active in FreeRateUpdate's network.
Disclosure: FreeRateUpdate is a marketing network compensated by participating mortgage lenders. Inclusion of a rate in this history reflects that lender's or broker's active participation in FreeRateUpdate's network at the time it was recorded, and is not an endorsement of, or ranking among, those lenders. This page is general reference information, not advice about your specific situation.