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Mortgage rates steady after final Fed rate cut of 2025
Mortgage rates held relatively steady after the Fed’s final 2025 rate cut, as lenders adjusted expectations following clarity on future policy direction.
Mortgage interest rates remained broadly stable on December 12, 2025, following the Federal Reserve’s final policy meeting of the year and its latest rate reduction. With the federal funds rate now at its lowest level since 2022, lenders are reassessing pricing after weeks of uncertainty ahead of the decision. Mortgage rates have eased gradually through 2025 but continue to sit well above early decade levels.