Skip to Main Content
Back to Main Website

Leave a Legacy.
Make Your Impact.

Let us help you tailor your charitable gift to your financial, tax or estate planning objectives

Learn more
  • Subscribe to our weekly Enewsletter, featuring news from Washington, finance information and stories about others who have benefited from giving. Donor Enewsletter
  • Our free guide will help you get started with providing for your needs, your family's future and your favorite causes. Estate Planning Guide
  • Join other supporters who are recognized for including our organization in their planned giving or estate plans. Quill and Sword Society

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.