Skip to Main Content
Donor Enewsletter Estate Planning Guide Create Your Will Feed It Foward Club
Back to Main Website
Back to Main Website

Maximize your philanthropic goals

Make a difference in people's lives and always be remembered for your contribution

Benefit yourself, your family and our organization with your gift, and help our organization fulfill its mission for many years and generations to come. Learn More

Giving Home > Giving News > Finance News > 30-Year Mortgage Rate Decreases

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%.

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.