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Mortgage Rates Continue to Decline

Published October 24, 2025

Freddie Mac released its latest Primary Mortgage Market Survey on Thursday, October 23. The survey showed mortgage rates dropping for the third week in a row.

This week, the 30-year fixed rate mortgage averaged 6.19%, down from last week’s average of 6.27%. Last year at this time, the 30-year fixed rate mortgage averaged 6.54%.

The 15-year fixed rate mortgage averaged 5.44% this week, down from last week’s 5.52%. During the same week last year, the 15-year fixed rate mortgage averaged 5.71%.

“Mortgage rates continued to trend down this week, hitting their lowest level in over a year,” said Freddie Mac’s Chief Economist, Sam Khater. “At the start of 2025, the 30-year fixed-rate mortgage surpassed 7%, while today it hovers nearly a full percentage point lower. This dynamic has kept refinancings high, accounting for more than half of all mortgage activity for the sixth consecutive week.”

Based on published national averages, the savings rate was 0.40% as of 10/20. The one-year CD averaged 1.68%.

Editor’s Note: The publicly available financial information is offered as a helpful and informative service to our friends. This article is not an endorsement of any company, product or service.