Today's Mortgage Rates
The Mortgage News Daily rate index is published daily (weekdays) around 4PM EST. Learn About Our Rate Survey
Updated weekdays at aprox 4PM EST.
POSITIVE
MINIMAL
NEGATIVE
MBS prices have
increased slightly
today. This may result in minimal positive impact on mortgage rates today.
This tool provides an idea of the underlying trends
in MBS that may influence mortgage rates today.
It is not intended to forecast lender rate changes.
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Mortgage Rate Watch
Daily Mortgage Rate Market Analysis
Fri, Dec 26 2025, 3:00 PM
Because mortgage rates are determined by the bond market, a boring market day typically translates to a boring mortgage rate day. But that's not entirely true today.
While the level of movement is indeed very small, it only took a small movement to get the average 30yr fixed rate down to their lowest levels since the end of October.
Next week should be another slow one for rates, but things should pick up progressively as 2026 gets underway.
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| Rate | Points | Change | |
|---|---|---|---|
|
12/26/25
Mortgage News Daily - daily
|
|||
| 30 Yr. Fixed | 6.20% | -- | -0.01% |
| 15 Yr. Fixed | 5.74% | -- | +0.00% |
| 30 Yr. Jumbo | 6.40% | -- | +0.00% |
| 7/6 SOFR ARM | 5.78% | -- | -0.01% |
| 30 Yr. FHA | 5.85% | -- | -0.01% |
| 30 Yr. VA | 5.87% | -- | -0.01% |
|
12/24/25
Freddie Mac - weekly
|
|||
| 30 Yr. Fixed | 6.18% | 0.00 | -0.04% |
| 15 Yr. Fixed | 5.50% | 0.00 | -0.04% |
|
12/10/25
MBA - weekly
|
|||
| 30 Yr. Fixed | 6.33% | 0.60 | +0.01% |
| 15 Yr. Fixed | 5.71% | 0.64 | -0.02% |
| 30 Yr. FHA | 6.08% | 0.72 | -0.04% |
| 30 Yr. Jumbo | 6.46% | 0.35 | +0.06% |
| 7/6 SOFR ARM | 5.51% | 0.78 | +0.11% |
POSITIVE
MINIMAL
NEGATIVE
MBS prices have
increased slightly
today. This may result in minimal positive impact on mortgage rates today.
| Change | 52 Week Range | |||||||
|---|---|---|---|---|---|---|---|---|
| Rate | Points | Previous | 1 Year | Low | High | |||
|
as of 12/26/25
Mortgage News Daily - updated daily
|
||||||||
| 30 Yr. Fixed | 6.20% | -- | -0.01% | -0.92% | 6.13% |
|
7.26% |
|
| 15 Yr. Fixed | 5.74% | -- | +0.00% | -0.74% | 5.60% |
|
6.59% |
|
| 30 Yr. Jumbo | 6.40% | -- | +0.00% | -0.93% | 6.10% |
|
7.45% |
|
| 7/6 SOFR ARM | 5.78% | -- | -0.01% | -1.26% | 5.59% |
|
7.25% |
|
| 30 Yr. FHA | 5.85% | -- | -0.01% | -0.61% | 5.82% |
|
6.59% |
|
| 30 Yr. VA | 5.87% | -- | -0.01% | -0.60% | 5.85% |
|
6.60% |
|
|
as of 12/24/25
Freddie Mac - updated weekly
|
||||||||
| 30 Yr. Fixed | 6.18% | 0.00 | -0.04% | -0.54% | 6.17% |
|
7.04% |
|
| 15 Yr. Fixed | 5.50% | 0.00 | -0.04% | -0.42% | 5.41% |
|
6.27% |
|
|
as of 12/10/25
Mortgage Bankers Association - updated weekly
|
||||||||
| 30 Yr. Fixed | 6.33% | 0.60 | +0.01% | -0.40% | 6.30% |
|
7.09% |
|
| 15 Yr. Fixed | 5.71% | 0.64 | -0.02% | -0.41% | 5.63% |
|
6.46% |
|
| 30 Yr. FHA | 6.08% | 0.72 | -0.04% | -0.41% | 6.08% |
|
6.80% |
|
| 30 Yr. Jumbo | 6.46% | 0.35 | +0.06% | -0.39% | 6.38% |
|
7.17% |
|
| 7/6 SOFR ARM | 5.51% | 0.78 | +0.11% | -0.73% | 5.40% |
|
6.48% |
|
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