The Ralo Rate Index
Ralo is an automated mortgage broker that earns a thin commission and passes the savings through. The Ralo Rate Index tracks our quoted 30-year fixed rate against the Freddie Mac PMMS national average, updated weekly. Last updated September 17, 2026. Download the full weekly history as CSV or JSON.
By loan term
| Term | Rate | APR | 30-day change |
|---|---|---|---|
| 30-Year Fixed | 6.63% | 6.67% | ↑ 0.50 pts |
| 20-Year Fixed | 6.75% | 6.81% | ↑ 0.88 pts |
| 15-Year Fixed | 6.25% | 6.33% | ↑ 0.75 pts |
30-year fixed trend: Up 0.500% this month · 3rd straight week of increases.
What the index measures
The Ralo line is our own quoted 30-year fixed rate for a benchmark borrower, captured daily and shown as a weekly close. The national line is Freddie Mac's Primary Mortgage Market Survey (PMMS), the standard weekly benchmark. These are illustrative figures for comparison, not a quote, rate lock, or commitment — your rate depends on your credit, loan-to-value, occupancy, and the property.
At a Glance
- Ralo’s quoted 30-year fixed rate is 6.63% as of September 17, 2026.
- That’s about 0.33 percentage points below the Freddie Mac PMMS national average.
- Recent trend: Up 0.500% this month.
Last updated:
Live data may be outdated. Re-check current rates before locking.
Primary sources behind this page
- Freddie MacAccessed for source verification
- Federal Reserve Economic Data (FRED)Accessed for source verification
Arjun Lalwani
NMLS #2753950Former Google product leader with expertise in marketplace systems. Recognized by the U.S. government for extraordinary ability in building and scaling marketplaces. Licensed mortgage professional bringing rigorous product execution to home financing.