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Giving Home > Giving News > Finance News > Mortgage Rates Inch Lower

Mortgage Rates Inch Lower

Published December 19, 2025

Freddie Mac released its latest Primary Mortgage Market Survey on Thursday, December 18. The survey showed little movement in mortgage rates.

This week, the 30-year fixed rate mortgage averaged 6.21%, down from last week’s average of 6.22%. Last year at this time, the 30-year fixed rate mortgage averaged 6.72%.

The 15-year fixed rate mortgage averaged 5.47% this week, down from last week’s 5.54%. During the same week last year, the 15-year fixed rate mortgage averaged 5.92%.

“The average 30-year fixed-rate mortgage has remained within a narrow 10-basis point range over the last two months,” said Freddie Mac’s Chief Economist, Sam Khater. “With rates down half a percent over last year, purchase applications are 10% above the same time one year ago.”

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

Editor’s Note: The publicly available financial information is offered as a helpful and informative service to our friends. This article is not an endorsement of any company, product or service.