Mortgage Rates — December 15, 2025 — Daily Snapshot
Executive Summary
Mortgage rates continued to soften modestly on December 15, 2025, extending the cooling trend that began after last month’s inflation rollover. The 30-year fixed sits at 6.29%, comfortably below the 52-week high of 7.32%, while FHA and ARM products remain under 6%, offering some relief for buyers entering the winter slowdown.
Across the board, movement over the past day has been mild, suggesting a wait-and-see stance ahead of holiday-period liquidity and upcoming macro data.
Rate Table — December 15, 2025
| Mortgage Product | Current | 1 Day Change | 1 Week | 1 Month | 1 Year | 52-Week Low | 52-Week High |
|---|---|---|---|---|---|---|---|
| 30 Yr Fixed | 6.29% | 0.00 | 6.34% | 6.48% | 6.72% | 6.29% | 7.32% |
| 15 Yr Fixed | 5.76% | -0.01 | 5.80% | 5.89% | 5.98% | 5.76% | 6.40% |
| 30 Yr FHA | 5.88% | 0.00 | 5.92% | 6.04% | 6.24% | 5.88% | 6.61% |
| 30 Yr Jumbo | 6.42% | 0.00 | 6.48% | 6.59% | 6.85% | 6.42% | 7.38% |
| 7/6 ARM (SOFR) | 5.95% | 0.00 | 6.00% | 6.14% | 6.41% | 5.95% | 6.85% |
| 30 Yr Fixed Jumbo | 6.47% | -0.01 | 6.52% | 6.64% | 6.89% | 6.47% | 7.40% |
Trend Analysis
Rates drifting toward the lower end of yearly ranges
Five of six mortgage products are touching their 52-week lows today, signaling real progress from the rate peaks seen mid-year. The cooling inflation trend and a more balanced bond market have played central roles.
Day-to-day movements muted
Only minor basis-point shifts occurred today, suggesting the market is in a holding pattern before high-impact macro releases later this week.
FHA and ARM products remain sub-6%
This continues to help first-time buyers and borrowers seeking flexibility. FHA’s 5.88% reading marks one of its lowest prints this year.
Jumbo rates easing but still elevated
Even with improvement, jumbo products (6.42–6.47%) remain slightly above conforming fixed rates, reflecting more cautious pricing at the high-balance end of the market.
Sector Implications
🏡 Homebuyers
Lower volatility and multi-week softening improve affordability slightly. Buyers who stepped away during the fall rate spike may re-enter the market sooner than expected.
🏗️ Homebuilders
Builders benefit from improved financing conditions, though demand remains seasonally slow. Expect modest encouragement for early-2026 pipeline activity.
💼 Refinancing
Refi volume may tick up at the margin, particularly for borrowers holding 6.75–7.25% mid-year loans, but widespread refi appetite remains limited until rates push closer to the mid-5% range.
🏦 Lenders
Stable conditions reduce hedging stress and secondary-market volatility. Margins remain tight, but predictable rate action helps improve lock-throughput.
Outlook
The path ahead will largely depend on
- inflation reports,
- labor data, and
- Federal Reserve tone going into early January.
If progress on inflation persists, the market could see mortgage rates break meaningfully lower from their current 6.2–6.4% range, especially for conforming fixed products.
For now, stability is the story, and that is a welcome shift after 2025’s broad rate volatility.
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This is not financial advice. Mortgage rates change rapidly based on market conditions.
Do your own due diligence.
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