Weekly game · Free · No sign-up

The Rate Call: higher or lower next week?

Guess whether next week’s average 30-year mortgage rate will be higher or lower than this week’s. Our AI guesses too, and real Freddie Mac data decides who was right.

  1. 1Look at this week’s rate below.
  2. 2Tap Higher or Lower for next week. No sign-up.
  3. 3Come back next Friday to see if you were right.

Latest rate · week of Nov 5

7.18%30-year fixed, U.S. average · Freddie Mac PMMS via FRED

Will next week’s rate be higher or lower?

Your callOpens Friday, Nov 13

The first round opens Friday, November 13, after the morning data refresh. Come back then and these buttons will work. Add a weekly reminder to your calendar.

Last 26 weeks: low 6.36%, high 7.40%.

You are playing as: …  No account, name or email. Your record and player code →

Past rounds

No rounds have been graded yet. Each round is graded the Friday after it closes.

Top players

The leaderboard starts with the first graded round. A streak only survives if you play every week.

How it works

  1. A round opens each Friday with that week’s published rate. You call higher or lower, and can change your mind until Tuesday night.
  2. Freddie Mac publishes the next rate on Thursday. On Friday this site rebuilds from FRED and a script grades every call. If the rate is unchanged to two decimals, the round is void.
  3. Rounds, results and streaks are computed from the published data each time, so there is no hand-kept score to get wrong.

Monthly

The Housing Tribunal

The slower game: AI advocates argue each state’s market, a critic strikes weak claims in public, and you can call the forecasts against it. See this month’s docket →

The Rate Call is a game about a published statistic. It is not a rate quote, a rate lock recommendation or financial advice. For what today’s rates mean for a payment, see this week’s housing numbers and the calculators.