Reference 15-Year Mortgage Rates
Reference figures labeled March 2026
March 2026 reference figures, not current offers or verified national averages. Sources for the retained rates, changes, and history have not been verified. Confirm current terms directly with providers.
| Loan Type | Rate | APR | Reference change (pp) |
|---|---|---|---|
| 15-year fixed reference (unverified) | 5.85% | 6.02% | -0.04 pp |
| 15-year fixed with points | 5.62% | 6.05% | -0.05 pp |
| Jumbo 15-year fixed | 5.97% | 6.09% | -0.03 pp |
| 15-year cash-out refinance reference (unverified) | 6.18% | 6.33% | -0.02 pp |
Sources and data status
The retained March 2026 tables, changes and history are unverified. The primary-source guidance below does not authenticate those old figures.
Page wording reviewed on 2026-10-04. This editorial review date does not date or verify the retained figures.
Guidance only: CFPB: interest rates and APR · Source checked:
Mortgage interest rates and APR measure different costs. For a HELOC, APR does not include fees. This guidance does not verify the retained rate figures.
Separate dated purchase benchmark snapshot
Freddie Mac PMMS · Published: · Source checked:
| Fixed-rate term | Interest rate |
|---|---|
| 15 years | 6.60% |
Freddie Mac PMMS covers conventional conforming purchase applications for owner-occupied, single-unit homes, FICO scores of 740 or higher and loan-to-value ratios of 75–80%, in the lower 48 states and Washington, DC.
These are fixed-rate purchase interest-rate averages, not a personal quote or APR. They do not cover refinance, HELOC or ARM rates, fees or points, and do not replace or verify the retained March tables. This manually recorded snapshot does not update automatically.
PMMS methodologyHypothetical fixed-rate payment examples
Assumptions: hypothetical 6.00% annual nominal note rate, fixed for 15 years; fully amortizing loan with 12 equal end-of-month payments per year. The note rate is not APR. These examples do not use the retained table rates or monthly amounts and are not market observations or lender quotes.
Principal and interest only: excludes taxes, homeowners insurance, mortgage insurance, fees and other costs. Actual loan terms and payments may differ.
Loan principal
$250,000.00
Monthly principal and interest
$2,109.64
Loan principal
$400,000.00
Monthly principal and interest
$3,375.43
Loan principal
$500,000.00
Monthly principal and interest
$4,219.28
Retained monthly amounts
These retained monthly amounts do not have verified loan-term, rate or fee assumptions. They are not a validated payment estimate.
Loan amount
$250,000
Monthly amount
$2,088
Loan amount
$400,000
Monthly amount
$3,342
Loan amount
$500,000
Monthly amount
$4,178
Retained reference history (12 months)
The retained history has an unverified collection method, sample and original observation dates. It should not be treated as a validated market series.
| Month | Rate |
|---|---|
| Apr 2025 | 6.54% |
| May 2025 | 6.44% |
| Jun 2025 | 6.34% |
| Jul 2025 | 6.26% |
| Aug 2025 | 6.18% |
| Sep 2025 | 6.11% |
| Oct 2025 | 6.04% |
| Nov 2025 | 5.99% |
| Dec 2025 | 5.94% |
| Jan 2026 | 5.90% |
| Feb 2026 | 5.87% |
| Mar 2026 | 5.85% |
Related rates
Reference Mortgage Rates
Compare mortgage rate types using March 2026 reference figures, APRs, and retained history. These are not current lender quotes.
Reference 30-Year Fixed Mortgage Rates
Explore 30-year fixed mortgage reference rates and payment examples labeled March 2026. Confirm current rates and terms directly with lenders.
Reference Refinance Rates
Compare rate-and-term and cash-out refinance reference scenarios labeled March 2026. Check current lender quotes before refinancing.
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Frequently asked questions
How to compare and source limitations
Geography: United States
For comparisons, use the same loan type, term, and borrower assumptions. Compare the interest rate, APR, fees, and payment terms in current lender quotes. The original sources and collection methods for these retained reference figures have not been verified.