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Giving Home > Giving News > Finance News > Mortgage Rates Decrease Again

Mortgage Rates Decrease Again

Published October 17, 2025

Freddie Mac released its latest Primary Mortgage Market Survey on Thursday, October 16. The survey showed mortgage rates decreasing for a second consecutive week. 

This week, the 30-year fixed rate mortgage averaged 6.27%, down from last week’s average of 6.30%. Last year at this time, the 30-year fixed rate mortgage averaged 6.44%.

The 15-year fixed rate mortgage averaged 5.52% this week, down from last week’s 5.53%. During the same week last year, the 15-year fixed rate mortgage averaged 5.63%.

“Mortgage rates inched down this week and have held relatively steady over the past several weeks,” said Freddie Mac’s Chief Economist, Sam Khater. “Importantly, homeowners have noticed these consistently lower rates, driving an uptick in refinance activity. Combined with increased housing inventory and slower house price growth, these rates also are creating a more favorable environment for those looking to buy a home.”

Based on published national averages, the savings rate was 0.40% as of 9/15. The one-year CD averaged 1.70%.

Editor’s Note: The publicly available financial information is offered as a helpful and informative service to our friends. This article is not an endorsement of any company, product or service.