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Giving Home > Giving News > Finance News > Mortgage Rates Continue to Decline

Mortgage Rates Continue to Decline

Published April 24, 2026

Freddie Mac released its latest Primary Mortgage Market Survey on Thursday, April 23. The survey showed mortgage rates decreasing for the third consecutive week.

This week, the 30-year fixed rate mortgage averaged 6.23%, down from last week’s average of 6.30%. Last year at this time, the 30-year fixed rate mortgage averaged 6.81%.

The 15-year fixed rate mortgage averaged 5.58% this week, down from last week’s 5.65%. During the same week last year, the 15-year fixed rate mortgage averaged 5.94%.

“The 30-year fixed-rate mortgage declined again this week to 6.23%,” said chief economist at Freddie Mac, Sam Khater. “Rates currently stand at their lowest level in the last three spring homebuying seasons. This improvement, coupled with a pickup in purchase applications and refinance activity, as well as an increase in monthly pending home sales, underscores signs of improving momentum in the market.”

Based on published national averages, the savings rate was 0.38% as of 4/20. The one-year CD averaged 1.53%.

Editor’s Note: The publicly available financial information is offered as a helpful and informative service to our friends. This article is not an endorsement of any company, product or service.