Mortgage Rates Remain Near 2025 Lows

Rhea-AI Summary

Freddie Mac (OTCQB: FMCC) released its Primary Mortgage Market Survey® on Dec. 11, 2025, reporting the 30-year fixed-rate mortgage (FRM) averaged 6.22%.

The 30-year FRM rose slightly from last week (6.19%) and remains below the year-to-date average of 6.62% and below last year’s 6.60% reading. The 15-year FRM averaged 5.54%, up from 5.44% a week earlier and below last year’s 5.84%.

The PMMS focuses on conventional, conforming, fully amortizing purchase loans for borrowers with 20% down and excellent credit. Freddie Mac reiterated its mission to promote liquidity, stability and affordability in the housing market.

MCLEAN, Va., Dec. 11, 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 6.22%.

“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 Sam Khater, Freddie Mac’s Chief Economist. 

News Facts

• The 30-year FRM averaged 6.22% as of December 11, 2025, up from last week when it averaged 6.19%. A year ago at this time, the 30-year FRM averaged 6.60%.
• The 15-year FRM averaged 5.54%, up from last week when it averaged 5.44%. A year ago at this time, the 15-year FRM averaged 5.84%.

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 photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/7e6c1e19-3cad-4b60-a668-2e020a4ec732

 

FAQ

What mortgage rates did Freddie Mac report on Dec. 11, 2025 for FMCC?

Freddie Mac reported the 30-year FRM at 6.22% and the 15-year FRM at 5.54% as of Dec. 11, 2025.

How did the 30-year mortgage rate on Dec. 11, 2025 compare to last week for FMCC?

The 30-year FRM rose slightly from 6.19% last week to 6.22% on Dec. 11, 2025.

Is the Dec. 11, 2025 30-year FRM above or below the 2025 year-to-date average for FMCC?

The Dec. 11, 2025 30-year FRM (6.22%) is below the 2025 year-to-date average of 6.62%.

How does the 15-year FRM on Dec. 11, 2025 compare to a year earlier for FMCC?

The 15-year FRM averaged 5.54% on Dec. 11, 2025, which is below the 5.84% reported a year earlier.

What loan type does Freddie Mac’s PMMS data represent for FMCC?

The PMMS covers conventional, conforming, fully amortizing purchase loans for borrowers with 20% down and excellent credit.