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January 8, 2026
In the first full week of the new year, mortgage rates remained within a narrow range, hovering close to the 6% mark. The combination of solid economic growth and lower rates has led to improving momentum in for-sale residential demand, with purchase applications up over 20% from a year ago.

• The 30-year fixed-rate mortgage averaged 6.16% as of January 8, 2026, up slightly from last week when it averaged 6.15%. A year ago at this time, the 30-year FRM averaged 6.93%.
• The 15-year fixed-rate mortgage averaged 5.46%, up from last week when it averaged 5.44%. A year ago at this time, the 15-year FRM averaged 6.14%.

Information provided by Freddie Mac.

November 26, 2025
Heading into the Thanksgiving holiday, mortgage rates decreased. With pending home sales at the highest level since last November, homebuyer activity continues to show resilience nearing year end.

• The 30-year fixed-rate mortgage averaged 6.23% as of November 26, 2025, down from last week when it averaged 6.26%. A year ago at this time, the 30-year FRM averaged 6.81%.
• The 15-year fixed-rate mortgage averaged 5.51%, down from last week when it averaged 5.54%. A year ago at this time, the 15-year FRM averaged 6.10%.

Information provided by Freddie Mac.

November 20, 2025
Mortgage rates have been shifting within a narrow ten-basis point range over the last month. This rate stability is a positive sign for both buyers and sellers, as it helps provide greater certainty in the housing markets.

Information provided by Freddie Mac.

November 13, 2025
Rates for the 30-year and the 15-year fixed-rate mortgage essentially remained flat this week, but purchase activity increased, which is encouraging.

Information provided by Freddie Mac.

November 6, 2025
This week the 30-year fixed-rate mortgage averaged 6.22%. On a median-priced home, this could allow a homebuyer to save thousands annually compared to earlier this year, showing that affordability is slowly improving.

Information provided by Freddie Mac.