Mortgage and refinance interest rates today, December 14, 2025: Rates are holding steady

Mortgage rates remain in a tight orbit, according to Zillow. The average 30-year fixed mortgage rate is 6.13%, and the 15-year fixed rate is 5.53%. Those numbers will probably seem very familiar to those rate shopping these days. With rates so tame, compare three or four mortgage lenders to get your best offer. Current 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% ...