Mortgage Rates: Latest Trends & Factors
Update: 2025-12-11
Description
Mortgage rates have been on a downward trend since late May, reaching their lowest point in October. The average thirty-year fixed mortgage rate is now six point one five percent, while the fifteen-year fixed rate stands at five point five seven percent. Refinance rates differ slightly, with the thirty-year fixed refinance rate at six point one nine percent and the fifteen-year fixed refinance rate at five point six two percent. These rates can vary based on individual factors and broader economic conditions.
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