Mortgage and refinance interest rates today, December 12, 2025: Rates remain well below the 52-week average

Mortgage rates are barely above 2025 lows. According to Freddie Mac, the national average 30-year fixed mortgage this week is 6.22%. A year ago, it averaged 6.60%. The 15-year fixed rate is 5.54%. At this time last year, it averaged 5.84%. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.06% 20-year fixed: 5.98% 15-year fixed: 5.49% 5/1 ARM: 6.23% 7/1 ARM: 6.37% 30-year VA: 5.54% 15-year VA: 5.19% 5/1 VA: 5.40% Remember, these ...