Heading into the Christmas Holiday, Rates Dip Lower

Rhea-AI Summary

Freddie Mac (OTCQB: FMCC) released its Primary Mortgage Market Survey® on Dec 24, 2025, reporting that the 30-year fixed-rate mortgage averaged 6.18%, down from 6.21% the prior week and down from 6.85% a year earlier. The 15-year fixed-rate averaged 5.50%, up from 5.47% last week and below last year’s 6.00%.

The PMMS focuses on conventional, conforming, fully amortizing purchase loans with 20% down and excellent credit. Freddie Mac noted lower 30-year rates as a timely development for prospective homebuyers.

MCLEAN, Va., Dec. 24, 2025 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey^® (PMMS^®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.18%.

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

News Facts

• The 30-year FRM averaged 6.18% as of December 24, 2025, down from last week when it averaged 6.21%. A year ago at this time, the 30-year FRM averaged 6.85%.
• The 15-year FRM averaged 5.50%, up from last week when it averaged 5.47%. A year ago at this time, the 15-year FRM averaged 6.00%.
  
  

The PMMS^® is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit. For more information, view our Frequently Asked Questions.

Freddie Mac’s mission is to make home possible for families across the nation. We promote liquidity, stability and affordability in the housing market throughout all economic cycles. Since 1970, we have helped tens of millions of families buy, rent or keep their home. Learn More: Website | Consumers | X | LinkedIn | Facebook | Instagram | YouTube

MEDIA CONTACT:
Angela Waugaman
(703)714-0644
Angela_Waugaman@FreddieMac.com

A graph accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/8f1d6ae4-2a47-4d66-b21e-6e8f1a96cb7b

FAQ

What did Freddie Mac (FMCC) report for the 30-year fixed mortgage on Dec 24, 2025?

Freddie Mac reported the 30-year fixed-rate averaged 6.18% on Dec 24, 2025, down from 6.21% the prior week.

How did the 30-year FMCC rate on Dec 24, 2025 compare to a year earlier?

The 30-year rate was 6.18% on Dec 24, 2025, compared with 6.85% a year earlier.

What was the 15-year fixed-rate Freddie Mac (FMCC) reported on Dec 24, 2025?

The 15-year fixed-rate averaged 5.50% on Dec 24, 2025, up from 5.47% the prior week and down from 6.00% a year earlier.

What borrower profile does Freddie Mac's PMMS (FMCC) focus on?

The PMMS focuses on conventional, conforming, fully amortizing purchase loans with 20% down and excellent credit.

Will the Dec 24, 2025 FMCC rate change likely help homebuyers?

Freddie Mac indicated that the slightly lower 30-year rate (6.18%) provides more favorable borrowing conditions for prospective homebuyers.

Where can investors and consumers find the full Dec 24, 2025 FMCC PMMS release and chart?

The full PMMS release and accompanying graph are available on Freddie Mac's website and the linked news attachment provided with the announcement.