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Clear out junk files and repair common Windows errorsFree Scan →Scan for outdated or missing drivers - takes under a minuteDriver Scan →Repair Windows errors before they cause bigger problemsFix Now →On December 15, 2025, Bankrate’s reported average purchase rates were 6.29% for a 30-year fixed mortgage and 5.63% for a 15-year fixed mortgage, according to WSJ Buy Side. Those figures were each up 0.01 percentage point from the prior week. Other rate providers reported different averages, so these are historical benchmarks—not rates guaranteed to any borrower.
Mortgage rates reported for December 15, 2025
The following figures refer to different providers and measurement periods. They are not interchangeable quotes for the same borrower or loan.
| Provider and report | 30-year fixed | 15-year fixed | What the figures represent |
|---|---|---|---|
| Bankrate, reported by WSJ Buy Side, December 15 | 6.29% | 5.63% | Purchase-loan interest rates, not APRs. Each was 0.01 percentage point above the prior week. |
| Zillow, reported by Yahoo Finance, December 15 | 6.13% | 5.53% | National averages rounded to the nearest hundredth, as described by Yahoo Finance. |
| Mortgage Research Center, reported by Forbes Advisor, December 15 | 6.29% | 5.63% | Forbes Advisor reported that the 30-year average was 0.93% higher than the prior week. |
| Freddie Mac weekly averages, December 11, cited by The Mortgage Reports | 6.22% | 5.54% | A separate weekly series dated four days earlier, not a December 15 daily quote. |
Provider averages differ because their data, borrower and loan assumptions, and publication windows differ. The figures do not establish one rate available to every borrower. The December 15 Bankrate-based report described a small weekly increase, while the other published averages reflect their own data sources and methods.
What “hold steady” means here
For the Bankrate-based purchase-rate table, “steady” means little week-over-week movement: both terms rose by one basis point, or 0.01 percentage point. It does not mean every provider reported unchanged rates. Zillow’s averages were lower than the Bankrate-based figures, and the Freddie Mac numbers belong to a different weekly measurement dated December 11.
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Why the 15-year and 30-year options differ
15-year fixed mortgage
A 15-year term generally comes with a lower interest rate and gives interest less time to accrue. The trade-off is a higher required monthly principal-and-interest payment because the balance must be repaid in fewer months.
30-year fixed mortgage
A 30-year term spreads repayment over more months, generally lowering the required monthly principal-and-interest payment. Because repayment takes longer, total interest over the full term is generally higher than for a comparable 15-year loan.
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- CONFIDENTLY AND EASILY SOLVES: All your clients' financial questions whether they are 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
- 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: 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: Reduce your clients' 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 batteries
The lower rate alone does not decide which term is better. Compare the expected monthly payment and full-term interest with your budget and how long you expect to keep the mortgage. Also compare APR, upfront fees, and any discount points; a lower note rate may involve costs that change the overall value.
Why your personal mortgage quote may differ
Published averages are not personal offers. A lender’s quote can vary with credit history, down payment, loan type, points, loan term, lender pricing, and market conditions. The December 15 rate coverage also identified the 10-year Treasury yield, mortgage-backed securities and their spreads, and investor sentiment as influences on mortgage rates. Changes in those market benchmarks do not translate mechanically into an identical same-day change in a borrower’s mortgage rate.
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- DEDICATED FUNCTION KEYS for Quick Financial Solutions: Clearly labeled function keys enable you to quickly and confidently provide financial answers and options for your clients, whether in the office, in the car or at an open house. Compare loan options and provide payment solutions to give your client choices
- INSTANT FINANCIAL PROBLEM SOLVING: Solve the financial questions your clients have whether they are buyers, investors or renters; increase your perceived professionalism and close more home sales by quickly answering real estate finance problems including remaining balances
- RESIDENTIAL REAL ESTATE FINANCE TERMS: Keys labeled in residential real estate finance terms like Loan AMT, Int, Term, PMT; Calculator is super easy to use to determine a mortgage loan that works for your client
- VERSATILE LOAN CALCULATION OPTIONS: Calculate 80:10:10 or 80:15:5 combo loans at the press of a button; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices
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When comparing offers, request quotes using the same loan amount, down payment, term, and loan type. Review both the interest rate and APR, along with fees and discount points, so you can compare the borrowing cost rather than just the headline rate.
What is a good mortgage rate?
There is no single “good” rate that applies to every borrower. A useful comparison is a personalized quote against other offers available to you for the same loan terms and costs. The December 15 averages provide historical context, but they cannot show what a particular applicant would qualify for or whether a rate is competitive for that applicant.
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- 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
How to read the December 11 Freddie Mac figures
Freddie Mac’s weekly averages cited by The Mortgage Reports—6.22% for a 30-year fixed mortgage and 5.54% for a 15-year fixed mortgage—are dated December 11, 2025. They can provide context for the period, but should not be presented as December 15 daily rates or compared as though all providers measured the same loans on the same schedule.
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