How have FreeRateUpdate's "As Low As" network rates moved over time?

What is being tracked, and how often is it updated?

Each row is the lowest verified rate and APR offered by a lender or broker actively participating in FreeRateUpdate's network on that date, for the 30yr fixed purchase product shown. Snapshots are taken daily; the visible "Last updated" stamp above reflects the most recent snapshot date.

What has the rate been, day by day?

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 daily — not a market-wide "lowest rate" claim, not attributed to any specific lender, and not a quote for any individual borrower.

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 single best verified offer across FreeRateUpdate's own network each day, 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 daily 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.