Mortgage Rates Slightly Lower as Volatility Risks Increase

Mortgage rates were just slightly lower to start the new week. This leaves the average lender's top tier 30yr fixed rate almost dead center in the narrow range that's been intact since early September. The absence of any significant movement on Monday is a logical outcome given the absence of any major economic data releases or headlines. But Tuesday could be a different story. At 8:30am ET, the Bureau of Labor Statistics (BLS) will release the first jobs report with data collected after the government shutdown. This report normally would have come out on December 5th, but by the time the government reopened on Nov 13th, BLS had missed much of its normal data collection/processing window. The jobs report (officially, The Employment Situation) is the single most important piece of economic data as far as interest rates are concerned. It includes 2 key metrics: a count of new nonfarm payroll (NFP) creation as well as an update on the unemployment rate. Both are important, but the unemployment rate has recently taken precedence over NFP. If unemployment comes in lower than expected, rates would likely face upward pressure, potentially challenging the upper boundary of the recent range. On the other hand, a weaker/higher result should keep rates well within the range, perhaps near the lower boundary. [thirtyyearmortgagerates]

December 15, 2025 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.29% -0.03%   6.13% 7.26% 15 Yr. Fixed 5.76% -0.01%   5.6% 6.59% 30 Yr. Jumbo 6.42% -0.01%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Dec 15, 2025 Mortgage Rates Slightly Lower as Volatility Risks Increase Mon, Dec 15, 2025 2:41PM Mortgage rates were just slightly lower to start the new week. This leaves the average lender's top tier 30yr fixed rate almost dead center in the narrow range that's been intact since early September. The absence of any significant movement on Monday is a logical outcome given the absence of any major economic data releases or headlines. But Tuesday could be a different story. At 8:30am ET, the Bureau of Labor Statistics (BLS) will release the first jobs report with data collected after the government shutdown. This report normally would have come out on December 5th, but by the time the go... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.29% -0.03 0.00 15 Yr. Fixed 5.76% -0.01 0.00 30 Yr. FHA 5.88% -0.02 0.00 30 Yr. Jumbo 6.42% -0.01 0.00 7/6 SOFR ARM 5.95% -0.06 0.00 30 Yr. VA 5.90% -0.02 0.00 Updates Daily - Last Update: 12/15 Freddie Mac Rate Change Points 30 Yr. Fixed 6.22% +0.03 0.00 15 Yr. Fixed 5.54% +0.10 0.00 Updates Weekly - Last Update: 12/11 Mortgage Bankers Assoc. 30 Yr. Fixed 6.33% +0.01 0.60 15 Yr. Fixed 5.71% -0.02 0.64 30 Yr. Jumbo 6.46% +0.06 0.35 Updates Weekly - Last Update: 12/10 UMBS 30YR 5.0 99.32 +0.05   95.05 100.11 UMBS 30YR 5.5 101.01 +0.02   97.47 101.40 10 YR Treasury 4.181 +0.001   3.932 4.780 Welcoming Back Timelier BLS Data Mon, Dec 15, 2025 10:00AM The Bureau of Labor Statistics (BLS) is responsible for the two most important economic reports to the bond market: The Employment Situation (aka jobs report or NFP) and The Consumer Price Index (CPI). This week marks the return of more timely installments of these reports with NFP on Tuesday (still not 100% timely, but only a week and a half late) and CPI o... (read more) MBS Price Change UMBS 4.5 97.18 +0.09 UMBS 5.0 99.32 +0.05 UMBS 5.5 101.01 +0.02 GNMA 4.5 97.22 +0.20 GNMA 5.0 99.38 -0.08 GNMA 5.5 100.79 +0.02 Pricing as of: 12/15 3:06PM EST US Treasury Yield Change 2 YR Treasury 3.505 -0.019 5 YR Treasury 3.731 -0.011 7 YR Treasury 3.938 -0.006 10 YR Treasury 4.181 +0.001 30 YR Treasury 4.850 +0.008 Pricing as of: 12/15 3:06PM EST Other News Hedging Auditor, Broker Survey, Non-QM, DSCR Products; Rising Insurance Costs Mon, Dec 15, 2025 11:46AM Lender and Broker Services, Products, and Software Home equity may have been the headline in 2025, but the real story is what comes next. With nearly $35 trillion in homeowner equity and rising consumer debt shaping borrower behavior, the opportunity is clear. The path to capturing it is not. On Wednesday, Dec. 17, at 3 p.m. Central Time, leaders from Opti... (read more) Latest Video The race for the next Fed chair: Here's the latest Fed Governor Stephen Miran: I don’t see tariffs as a major driver of inflat... Homebuilder sentiment for single-family homes rose in December New York Fed President John Williams: Monetary policy well positioned as we... Around the Web Calculated Risk Blog Part 1: Current State of the Housing Market; Overview for mid-December 2025 Investing Live NY Fed manufacturing index for December -3.9 versus 10.0 estimate. CNBC High cost of goods is causing consumers to spend less for the holidays, CNBC survey finds Eye on Housing Builder Sentiment Inches Higher but Ends the Year in Negative Territory CNBC Homeowners are losing thousands in equity thanks to weakening prices Calculated Risk Blog Mortgage Rates: The New Normal CNBC Treasury yields decline as investors look ahead to busy week of economic data CNBC Credit score average is pretty healthy, VantageScore CEO says but high earners are masking signs of financial distress Marketwatch 'Inflation remains too high.' Two Fed dissenters who rejected latest interest-rate cut explain why. Calculated Risk Blog 2nd Look at Local Housing Markets in November CNBC Fed's Goolsbee explains vote against rate cut, says central bank should have waited CNBC U.S. Treasury yields move higher as investors digest latest Fed moves Calculated Risk Blog Hotels: Occupancy Rate Decreased 3.2% Year-over-year

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