Interest Guru

Weekly update

Mortgage rates, week of December 11, 2025

The 30-year fixed averaged 6.22%, up 0.03 points from last week.

Average mortgage rates, 52 weeks to 2025-12-11Weekly Freddie Mac averages. The 30-year fixed was 6.22% in the week of 2025-12-11.5.0%5.5%6.0%6.5%7.0%7.5%Jan 2025AprJulOct30-year 6.22%15-year 5.54%
30-year fixed
6.22%
15-year fixed
5.54%
10-year Treasury
4.14%
Spread
2.08

The numbers behind the week

  • The 15-year fixed averaged 5.54%, up 0.10 points.
  • Between the two readings the 10-year Treasury yield rose 0.03 points and the gap between it and the mortgage rate held steady. Together those make up the 0.03-point move.
  • Four weeks ago the 30-year average was 6.24%.
  • That is 0.38 points below a year ago (6.60%).
  • Over the past 52 weeks the 30-year average has ranged from 6.17% to 7.04%.
  • The spread over the 10-year Treasury is 2.08 points, against an average of 2.33 across the history on this site.
Change from the previous week
Change from December 4, 2025Points
10-year Treasury yield+0.03
Spread over the Treasury+0.00
30-year mortgage rate+0.03

Each mortgage average is compared with the most recent daily Treasury yield on or before its date, so the split is approximate. The Treasury spread page explains the gap.