Mortgage rates today: 30-year rate falls while 15-year remains steady.

The average 30-year fixed mortgage rate was reported at 6.15%, down from a week earlier, while the 15-year rate remained steady; the 30-year APR was about 6.18%. These figures are presented calmly for reference.

Mortgage rates moved modestly at the end of December 2025, with the 30-year fixed rate reported lower and the 15-year rate unchanged. The 30-year fixed rate averaged 6.15% this week, and the corresponding APR was reported near 6.18%. Rates have spent much of the year in the mid-to-high 6% range after an early 2025 peak. Movements in mortgage rates continue to reflect broader bond yields and central bank policy. What was reported: - The average 30-year fixed mortgage rate was reported as 6.15%, down 1.71% from a week earlier. - The 30-year APR was reported at about 6.18%, compared with 6.29% the previous week. - A $100,000 30-year fixed loan at 6.15% has an estimated principal-and-interest payment of about $609 per month and roughly $120,045 in total interest, per the cited mortgage calculator. - The average 30-year jumbo rate was reported near 6.37%, about 0.09% lower than last week; that corresponds to an estimated $624 per month in principal and interest per $100,000 and roughly $124,946 in total interest. - The 15-year fixed rate was reported as steady this week and has generally remained in the low-6% to mid-5% range since earlier in 2025. Summary: The modest decline in the 30-year rate slightly eases borrowing costs but overall mortgage rates remain elevated compared with earlier lows. Forecasters reported that significant further declines in 2025 were unlikely, and future movement will depend on U.S. Treasury yields, Federal Reserve policy, and broader economic trends. These figures are presented calmly for reference.