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All • Buying • Selling • September 26, 2025

Inch by Inch

by Rodney Ward

Freddie Mac results of its Primary Mortgage Market Survey® (PMMS®), show the 30-year fixed-rate mortgage (FRM) averaged 6.30%.

“Following several weeks of decline, mortgage rates inched up this week,” said Sam Khater, Freddie Mac’s Chief Economist. “Housing market activity continues to hold up with purchase and refinance applications increasing by 18% and 42%, respectively, compared to the same time last year.”

  • The 30-year FRM averaged 6.30% as of September 25, 2025, up from last week when it averaged 6.26%. A year ago at this time, the 30-year FRM averaged 6.08%.
  • The 15-year FRM averaged 5.49%, up from last week when it averaged 5.41%. A year ago at this time, the 15-year FRM averaged 5.16%.

The PMMS® is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit.

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