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 are
moderately weaker
so far today. This downward movement of MBS may result in higher mortgage rates for 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
Wed, Dec 24 2025, 1:01 PM
It was a short day for the bond market that underlies mortgage rates, but a good one. A side effect of holiday weeks and early market closures is a bit of random volatility without any obvious justification. When volume and participation are low, bonds can move a bit more than they otherwise might.
All that to say today's improvement was luck of the draw, but we won't object to the result. The average top tier 30yr fixed rate fell to the lowest level since November 25th. The caveat is that the range has been fairly narrow during that time.
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| Rate | Points | Change | |
|---|---|---|---|
|
12/24/25
Mortgage News Daily - daily
|
|||
| 30 Yr. Fixed | 6.21% | -- | -0.03% |
| 15 Yr. Fixed | 5.74% | -- | -0.01% |
| 30 Yr. Jumbo | 6.40% | -- | -0.02% |
| 7/6 SOFR ARM | 5.79% | -- | -0.02% |
| 30 Yr. FHA | 5.86% | -- | -0.02% |
| 30 Yr. VA | 5.88% | -- | -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 are
moderately weaker
so far today. This downward movement of MBS may result in higher mortgage rates for today.
| Change | 52 Week Range | |||||||
|---|---|---|---|---|---|---|---|---|
| Rate | Points | Previous | 1 Year | Low | High | |||
|
as of 12/24/25
Mortgage News Daily - updated daily
|
||||||||
| 30 Yr. Fixed | 6.21% | -- | -0.03% | -0.89% | 6.13% |
|
7.26% |
|
| 15 Yr. Fixed | 5.74% | -- | -0.01% | -0.71% | 5.60% |
|
6.59% |
|
| 30 Yr. Jumbo | 6.40% | -- | -0.02% | -0.90% | 6.10% |
|
7.45% |
|
| 7/6 SOFR ARM | 5.79% | -- | -0.02% | -1.19% | 5.59% |
|
7.25% |
|
| 30 Yr. FHA | 5.86% | -- | -0.02% | -0.58% | 5.82% |
|
6.59% |
|
| 30 Yr. VA | 5.88% | -- | -0.01% | -0.57% | 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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