Freddie Mac’s latest weekly survey showed the average 30-year fixed mortgage rate at 6.58% and unchanged, while the 15-year fixed average edged down to 5.69%. The survey was released August 21, 2025; August 22 is the reporting date. Those figures do not support the headline’s claim that 30-year rates were up and 15-year rates were steady.
Freddie Mac mortgage rates for August 22, 2025
Freddie Mac’s August 21 release reported these national weekly averages for fixed-rate mortgages:
| Mortgage term | Average rate | Change from prior week | Year-earlier average |
|---|---|---|---|
| 30-year fixed | 6.58% | Unchanged | 6.46% |
| 15-year fixed | 5.69% | Down from 5.71% | 5.62% |
These are Freddie Mac survey averages, not rate offers available to every borrower. The current and historical figures are from its Primary Mortgage Market Survey.
Why the headline’s rate movements do not match the weekly survey
The “30-Year Rates Up, 15-Year Rates Steady” wording conflicts with Freddie Mac’s weekly figures: its 30-year average was flat, and its 15-year average fell by 0.02 percentage point. The Associated Press also reported the same week-over-week direction. AP described the 30-year average as its lowest in nearly ten months, a historical comparison made in its August 2025 report.
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- Loan Amortization and Remaining Balances
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Daily rate trackers can show different movements because they use different data and observation schedules. A Yahoo Finance article dated August 22, 2025, included separate Zillow daily averages. Those readings should not be blended with Freddie Mac’s weekly survey or presented as if they were the same series: Yahoo Finance’s August 22 rate report.
What Freddie Mac’s average represents
The Primary Mortgage Market Survey focuses on conventional, conforming, fully amortizing home-purchase loans. Its benchmark borrower puts 20% down and has excellent credit. It describes a defined slice of the mortgage market—not every loan type, borrower profile, refinance, or lender quote.
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Your offered rate can differ based on factors such as credit, down payment, loan size, property, loan term, and lender pricing. The national averages alone cannot establish your rate or monthly payment; that requires the loan amount, terms, costs, and a lender’s actual offer.
What the weekly change means for borrowers
For this reporting date, the benchmark did not rise for 30-year fixed loans, and the 15-year average moved slightly lower. Freddie Mac Chief Economist Sam Khater said, “The 30-year fixed-rate mortgage remained flat this week.” He also said that purchase applications over the summer were outpacing 2024, while some prospective homebuyers continued waiting for rates to fall further.
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Those observations describe the market and application activity, not a prediction about the next rate move or a recommendation to buy, refinance, or wait. Anyone comparing loan options should use current, personalized quotes and compare the full costs and terms rather than relying on a dated national average.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Historical snapshot, not a current quote
These figures are specifically the weekly averages reported on August 21, 2025, for an August 22 article. They should not be used as today’s mortgage rates. The Mortgage Reports also published consumer-facing rate material for that date; its daily reporting is separate from Freddie Mac’s weekly benchmark: The Mortgage Reports’ August 22, 2025 rate update.
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Rank #4
- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan Amt, Int, Term, Pmt; this industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and more
- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: To your clients by reducing their confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket user's guide, and long-life battery
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