Overview
- Freddie Mac’s survey shows the 30-year fixed mortgage averaged 6.15% for the week of Dec. 31, down from 6.18% and the lowest weekly level of 2025.
- The 15-year fixed averaged 5.44%, a six-basis-point weekly decline that remained above its 2025 low.
- Rates finished the year within the relatively flat band seen since late October as holiday trading kept broader market moves subdued.
- Late-December relief aligned with a softer 10-year Treasury yield, a key driver of mortgage pricing.
- Vendor trackers show small differences, with Lender Price at 6.34% late Wednesday and Optimal Blue noting a 6.12% low on Oct. 28 and 6.14% on Dec. 30, while analysts say the late-year easing could support stronger housing activity in 2026, with Fannie Mae projecting about 5.9% by year-end 2026.