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Mortgage Rates Continue to Drop

Published September 12, 2025

Freddie Mac released its latest Primary Mortgage Market Survey on Thursday, September 11. The survey showed the 30-year mortgage rate falling to the lowest level since October 2024.

This week, the 30-year fixed rate mortgage averaged 6.35%, down from last week’s average of 6.50%. Last year at this time, the 30-year fixed rate mortgage averaged 6.20%.

The 15-year fixed rate mortgage averaged 5.50% this week, down from last week’s 5.60%. During the same week last year, the 15-year fixed rate mortgage averaged 5.27%.

“The 30-year fixed-rate mortgage fell 15 basis points from last week, the largest weekly drop in the past year,” said Freddie Mac’s Chief Economist, Sam Khater. “Mortgage rates are headed in the right direction and homebuyers have noticed, as purchase applications reached the highest year-over-year growth rate in more than four years.”

Based on published national averages, the savings rate was 0.39% as of 8/18. The one-year CD averaged 1.76%.