Mortgage Rates Edge Up

Published November 21, 2025

Freddie Mac released its latest Primary Mortgage Market Survey on Thursday, November 20. The survey showed mortgage rates have inched up but remained relatively steady over the last few weeks.

This week, the 30-year fixed rate mortgage averaged 6.26%, up from last week’s average of 6.24%. Last year at this time, the 30-year fixed rate mortgage averaged 6.84%.

The 15-year fixed rate mortgage averaged 5.54% this week, up from last week’s 5.49%. During the same week last year, the 15-year fixed rate mortgage averaged 6.02%.

“Mortgage rates have been shifting within a narrow ten-basis point range over the last month,” said Freddie Mac’s Chief Economist, Sam Khater. “This rate stability is a positive sign for both buyers and sellers, as it helps provide greater certainty in the housing market.”

Based on published national averages, the savings rate was 0.40% as of 11/17. The one-year CD averaged 1.64%.