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U.S. 30-year fixed mortgage rate at 6.12% as of December 9, 2025
30-year mortgage rates stand at 6.
As of December 9, 2025, the average U.S. 30-year fixed mortgage rate stood at 6.12%, up slightly from 5.99% a week ago. The 15-year fixed rate remained at 5.37%. Refinancing rates are 6.57% for 30-year terms and 5.50% for 15-year loans, according to national mortgage trackers. With a possible Federal Reserve rate cut looming, some homebuyers and refinancers may find current rates attractive.