Mortgage and refinance interest rates today, December 11, 2025: Just above the 2025 low

Mortgage rates have generally fallen since late May, bottomed out at the end of October, and then remained within a 10 basis point range since. According to Zillow, the average 30-year fixed mortgage rate is 6.15%. That's just two basis points up from the 2025 low. The 15-year fixed rate is 5.57%. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.15% 20-year fixed: 6.01% 15-year fixed: 5.57% 5/1 ARM: 6.21% 7/1 ARM: 6.30% 30-year VA: ...