Mortgage and refinance interest rates today, October 3, 2025: A tiny increase for the week but below the 52-week average

Mortgage rates made a small move higher again this week. According to Freddie Mac, the national average 30-year rate climbed four basis points to 6.34%. The 15-year fixed mortgage rate rose six basis points to 5.55%. “The 30-year fixed-rate mortgage increased again this week but remains below its 52-week average of 6.71%,” said Freddie Mac’s chief economist Sam Khater in a release. “The last few months have brought lower rates, and as indicated by the recently reported increase in pending home sales, home ...