Mortgage Rates Edge Up

Published December 12, 2025

Freddie Mac released its latest Primary Mortgage Market Survey on Thursday, December 11. The survey showed mortgage rates increasing slightly following the Fed’s decision to cut interest rates.

This week, the 30-year fixed rate mortgage averaged 6.22%, up from last week’s average of 6.19%. Last year at this time, the 30-year fixed rate mortgage averaged 6.60%.

The 15-year fixed rate mortgage averaged 5.54% this week, up from last week’s 5.44%. During the same week last year, the 15-year fixed rate mortgage averaged 5.84%.

“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,” said Freddie Mac’s Chief Economist, Sam Khater. 

Based on published national averages, the savings rate was 0.40% as of 11/17. The one-year CD averaged 1.64%.

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.