30-Year Mortgage Rate Decreases

Published December 26, 2025

Freddie Mac released its latest Primary Mortgage Market Survey on Wednesday, December 24. The survey showed the 30-year mortgage rate decreasing slightly compared to the previous week.

This week, the 30-year fixed rate mortgage averaged 6.18%, down from last week’s average of 6.21%. Last year at this time, the 30-year fixed rate mortgage averaged 6.85%.

The 15-year fixed rate mortgage averaged 5.50% this week, up from last week’s 5.47%. During the same week last year, the 15-year fixed rate mortgage averaged 6.00%.

“The average 30-year fixed-rate mortgage decreased further this week,” said Freddie Mac’s Chief Economist, Sam Khater. “Declining rates offer a timely and welcome gift for aspiring homebuyers.”

Based on published national averages, the savings rate was 0.39% as of 12/15. The one-year CD averaged 1.63%.

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