December 24, 2025
The average 30-year fixed-rate mortgage decreased further this week. Declining rates offer a timely and welcome gift for aspiring homebuyers.

• The 30-year fixed-rate mortgage averaged 6.18% as of December 24, 2025, down from last week when it averaged 6.21%. A year ago at this time, the 30-year FRM averaged 6.85%.
• The 15-year fixed-rate mortgage averaged 5.50%, up from last week when it averaged 5.47%. A year ago at this time, the 15-year FRM averaged 6.00%.

Information provided by Freddie Mac.

December 18, 2025
The average 30-year fixed-rate mortgage has remained within a narrow 10-basis point range over the last two months. With rates down half a percent over last year, purchase applications are 10% above the same time one year ago.

• The 30-year fixed-rate mortgage averaged 6.21% as of December 18, 2025, down slightly from last week when it averaged 6.22%. A year ago at this time, the 30-year FRM averaged 6.72%.
• The 15-year fixed-rate mortgage averaged 5.47%, down from last week when it averaged 5.54%. A year ago at this time, the 15-year FRM averaged 5.92%.

Information provided by Freddie Mac.

December 11, 2025
The average 30-year fixed-rate mortgage is well below the year-to-date average of 6.62%, providing some sense of balance to the housing market.

• The 30-year fixed-rate mortgage averaged 6.22% as of December 11, 2025, up from last week when it averaged 6.19%. A year ago at this time, the 30-year FRM averaged 6.60%.
• The 15-year fixed-rate mortgage averaged 5.54%, up from last week when it averaged 5.44%. A year ago at this time, the 15-year FRM averaged 5.84%.

Information provided by Freddie Mac.