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Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Repair Windows errors before they cause bigger problemsFix Now →Freddie Mac’s weekly survey put the average U.S. 30-year fixed mortgage rate at 6.21% and the average 15-year fixed rate at 5.47% on December 18, 2025. Both were below the previous week’s averages and their year-earlier readings. These are survey averages for a defined borrower and loan profile—not rates guaranteed or quoted to an individual borrower.
Freddie Mac mortgage rates on December 18, 2025
Freddie Mac’s Primary Mortgage Market Survey (PMMS) reported the following averages for the week of December 18, 2025:
| Fixed-rate mortgage term | December 18, 2025 average | Previous week | One year earlier | Change vs. previous week | Change vs. one year earlier |
|---|---|---|---|---|---|
| 30-year | 6.21% | 6.22% | 6.72% | Down 0.01 percentage point | Down 0.51 percentage point |
| 15-year | 5.47% | 5.54% | 5.92% | Down 0.07 percentage point | Down 0.45 percentage point |
The figures and comparison readings are from Freddie Mac’s December 18, 2025 PMMS release. A percentage-point change is the difference between two rates; it is not the same as a percentage change.
What Freddie Mac’s averages represent
PMMS focuses on conventional, conforming, fully amortizing home-purchase loans with 20% down for borrowers with excellent credit, according to Freddie Mac. The rates therefore do not describe every mortgage product or borrower. They should not be treated as a personal quote for an FHA, VA, jumbo, adjustable-rate, or lower-down-payment loan, or as an offer available to all buyers.
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- Loan Amortization and Remaining Balances
- Instant Principal, Interest, Interest Only and Total Payments
- Future Values
- Date math function
An individual lender’s offer can differ based on the borrower, property, loan type, down payment, points and fees, and rate-lock terms. The December 18 survey does not provide those offer-specific details, so it cannot establish what a particular borrower would pay.
Why another rate source may show a different number
Freddie Mac publishes a weekly survey average. Mortgage News Daily tracks a separate daily index; its historical table showed a 6.22% daily 30-year fixed rate for December 18, 2025. That reading is not a conflicting Freddie Mac figure: it comes from a different source and cadence. See the Mortgage News Daily rate page for its daily series.
Rank #2
- 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 much more
- 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
Market context that week
The Associated Press reported that the 10-year Treasury yield was 4.12% at midday on December 18, unchanged from a week earlier. Mortgage rates generally move with the 10-year Treasury’s trajectory, while bond investors’ expectations for economic growth and inflation, along with Federal Reserve policy, also shape the market. The Treasury reading is context, not proof that one day’s yield movement caused Freddie Mac’s weekly average. The Federal Reserve does not set mortgage rates directly. Read the AP report for December 18, 2025.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What the weekly reading says about the market
Freddie Mac Chief Economist Sam Khater said the average 30-year fixed rate had remained within a narrow 10-basis-point range over the prior two months. He also said purchase applications were 10% above the same time a year earlier, attributing that comparison to the release. The application figure is a market indicator, not a forecast of future rates or a measure of any individual buyer’s likelihood of qualifying.
Quick Recap
Best Value
- Extra large 12-digit angled display.
- Loan Wizard.
- Automatic Tax Keys.
- Selectable decimal setting.
- Input any three loan variables to compute the fourth.
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
Rank #3
- 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
- COMES COMPLETE: Comes with a protective slide cover, quick reference guide, pocket user's guide, two long-life batteries, and 1-year warranty
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