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On December 23, 2025, reported 30-year fixed mortgage averages ranged from 5.99% to 6.30%, depending on the publisher. Mortgage News Daily reported 6.24%. These are source-specific market averages—not a guaranteed rate or loan offer for an individual borrower.
Mortgage rates reported on December 23, 2025
Each figure below belongs to its named publisher and mortgage product. The rates are not interchangeable quotes: the sources do not establish a complete, apples-to-apples reconciliation of their methodologies.
| Publisher and measure | Product | Reported rate |
|---|---|---|
| Bankrate daily table, December 23 | 30-year fixed | 6.30% |
| Bankrate daily table, December 23 | 15-year fixed | 5.67% |
| Bankrate daily table, December 23 | 5/1 ARM | 5.65% |
| Mortgage News Daily daily survey, December 23 | 30-year fixed | 6.24% |
| Zillow average, as reported by CBS News on December 23 | 30-year fixed | 5.99% |
| Zillow average, as reported by CBS News on December 23 | 15-year fixed | 5.38% |
| Zillow average, as reported by CBS News on December 23 | 30-year refinance | 6.65% |
Why the reported averages differ
Bankrate’s December 23 report also gave its weekly 30-year fixed average as 6.30%, unchanged from the prior week. It describes the Freddie Mac weekly survey as covering first-lien, prime conventional conforming home-purchase mortgages at 80% loan-to-value, with lenders surveyed on rates and points. Mortgage News Daily labels 6.24% as its daily 30-year fixed series; it was unchanged from December 22 and 0.86 percentage points below its year-earlier comparison. CBS News attributed its 5.99% 30-year fixed figure to Zillow.
Because the available descriptions do not fully reconcile providers’ methods, the spread should not be read as proof that one publisher’s number is the definitive rate. When comparing published figures, keep the publisher, date or survey period, product, and point assumptions attached to the number.
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Do not confuse the December 24 Freddie Mac reading with December 23 rates
Freddie Mac’s weekly Primary Mortgage Market Survey released on December 24 reported a 6.18% average for a 30-year fixed mortgage, down from 6.21% the prior week. That is a weekly observation released the day after December 23, not a daily quote for December 23.
What the averages mean for a borrower
A published average is a market benchmark, not a promise of approval or a personalized offer. The reported figures do not specify an individual borrower’s credit profile, loan amount, property, down payment, or other pricing details. A lender’s quote may therefore differ from these averages. Compare offers for the same loan type and term, and check whether points and other assumptions match.
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A market comment from Bankrate’s report
Bankrate quoted Derek Egeberg, senior loan officer at MortgageOne in Yuma, Arizona: “As good economic news is released — such as the 4.3% GDP numbers prior to the government shutdown — money will flow back into the stock market and away from bonds,”
This is Egeberg’s interpretation of market dynamics, not an independently established explanation of the rates reported that day.
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Sources and date context
These are historical reports about December 23, 2025, not current mortgage offers. See the Bankrate daily rate table, Bankrate’s December 23 weekly survey report, Mortgage News Daily’s rate history, CBS News’ December 23 report of Zillow rates, and Freddie Mac’s December 24 release.
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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
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