Mortgage and refinance interest rates today, October 10, 2025: Rates are well below the 52-week average

Mortgage rates have ticked down this week. According to Freddie Mac, the national average 30-year fixed mortgage rate has decreased by four basis points to 6.30%, putting it at 41 basis points below the 52-week average. The 15-year rate is down by two basis points to 5.53%, and it's 35 basis points under the 52-week average. Since mortgage interest rates are in a good place relative to where they've been the past year, it could be a good time to buy a house. Learn what to do if you want to buy a house b ...