Mortgage and refinance interest rates today, December 13, 2025: Rates barely react to the Fed's rate cut

Mortgage rates are barely moving, refusing to react to the Federal Reserve's latest interest rate cut. According to Zillow, the average 30-year fixed mortgage rate is 6.13%, and the 15-year fixed rate is 5.53%. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.13% 20-year fixed: 6.08% 15-year fixed: 5.53% 5/1 ARM: 6.24% 7/1 ARM: 6.31% 30-year VA: 5.60% 15-year VA: 5.14% 5/1 VA: 5.36% Remember, these are the national averages and ...