Mortgage rates, or interest rates on home loans, fell to their lowest level of the year, according to mortgage provider Freddie Mac (FMCC.OB).
The 30-year FRM averaged 6.15% as of December 31, 2025, down from last week when it averaged 6.18%. A year ago at this time, the 30-year FRM averaged 6.91%.
The 15-year FRM averaged 5.44%, down from last week when it averaged 5.50%. A year ago at this time, the 15-year FRM averaged 6.13%.
"After starting the year close to 7%, the average 30-year fixed-rate mortgage moved to its lowest level in 2025 this week, an encouraging sign for potential homebuyers heading into the new year," said Sam Khater, Freddie Mac's Chief Economist.
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June 12, 2026 17:14 ET Major central bank action was the focus this week in economic news. The European Central Bank became the first major central bank to move in response to the rising inflationary pressures in the backdrop of the conflict in the Middle East. In North America, the U.S. inflation and trade data as well as Canada’s central bank decision gained attention. The Chinese trade data was the main news in Asia.