U.S. Mortgage Rates Today (Dec. 12, 2025): 30-Year Fixed Hovers Near 6.2% After the Fed Cut — Forecasts for 2026
December 12, 2025 — Mortgage rates in the U.S. are ending the week in a familiar place: the low-6% range. That’s welcome news for home shoppers who’ve watched borrowing costs swing sharply over the past two years, but it’s also a reminder of how stubbornly “sticky” mortgage pricing can be—even after a Federal Reserve rate cut. Freddie Mac’s weekly benchmark shows the average 30-year fixed-rate mortgage at 6.22% for the week ending December 11, 2025 (up slightly from 6.19% the prior week), while the 15-year fixed averaged 5.54%. Freddie Mac also notes the 30-year rate remains below its year-to-date average of 6.62%, a key reason some economists