The 30-year fixed averages 7.03%, up from 6.95% - and 6.30% a year ago

Freddie Mac's Primary Mortgage Market Survey for the week to 24 September puts the 30-year fixed-rate mortgage at an average of 7.03%, up from 6.95% the week before. A year ago it was 6.30%. The 15-year fixed averaged 6.42%, up from 6.26%, against 5.49% a year earlier.

What the page says

Freddie Mac's one line of commentary: "The housing market remains supported by a solid labor market and an economy that is growing at a healthy rate." The survey is built from rates on loan applications submitted to Freddie Mac through its Loan Product Advisor by lenders across the country, averaged from the prior Thursday to Wednesday, and released on Thursdays at noon Eastern. Adjustable rates and points are no longer published.

The check

Realtor.com reports this as the first week above 7% "since early 2025"; Freddie Mac's page states the week's figures and the year-ago comparison only, so that line is the coverage's reading of the archive, not a statement on the page. What the page does show is a 73-basis-point rise in a year. For an agent, the number that moves a buyer's budget is the monthly payment: on a $430,000 loan the difference between 6.30% and 7.03% is about $200 a month, and that arithmetic is the buyer's to run on their own figures.