Mortgage and refinance interest rates today, December 21, 2025: Bouncing within a narrow lane

Mortgage rates continue to move within a narrow lane, according to Zillow. The average 30-year fixed mortgage rate is 6.03%, and the 15-year fixed rate is 5.42%. The rates you'll find locally are likely to vary quite a bit. Shop multiple mortgage lenders to get your best interest rate offer. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.03% 20-year fixed: 5.95% 15-year fixed: 5.42% 5/1 ARM: 6.03% 7/1 ARM: 6.18% 30-year VA: 5.46% ...