The latest market survey from federal housing lender Freddie Mac has housing mortgage rates just above their lowest recorded levels for 2025. 

The average for a 30-year fixed-rate mortgage came in at 6.22% in the Primary Mortgage Market Survey, just above the previous week’s average rate of 6.19%, according to a release. Thirty-year fixed-rate mortgages at the same time in 2024 averaged 6.6%. 

“The average 30-year fixed-rate mortgage is well below the year-to-date average of 6.62%, providing some sense of balance to the housing market,” said Sam Khater, Freddie Mac’s chief economist, in a statement. 

The 15-year fixed-rate mortgage averaged 5.54%, up from last week when it averaged 5.44%. A year ago at this time, the 15-year FRM averaged 5.84%. 

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