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Mortgage Rates Continue to Move Up

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Freddie Mac (OTCQB: FMCC) reported that the 30-year fixed-rate mortgage (FRM) averaged 6.75% as of July 17, 2025, showing a slight increase from 6.72% the previous week. The 15-year FRM also rose to 5.92% from 5.86% last week.

According to Chief Economist Sam Khater, while affordability challenges continue, the combination of rate stability and modest inventory growth could encourage potential homebuyers to enter the market. The rates remain relatively stable compared to a year ago, when the 30-year FRM averaged 6.77% and the 15-year FRM was at 6.05%.

Freddie Mac (OTCQB: FMCC) ha comunicato che il mutuo a tasso fisso trentennale (FRM) ha raggiunto in media il 6,75% al 17 luglio 2025, segnando un leggero aumento rispetto al 6,72% della settimana precedente. Anche il mutuo a tasso fisso quindicennale è salito al 5,92% rispetto al 5,86% della settimana scorsa.

Secondo il Chief Economist Sam Khater, nonostante le difficoltà legate all'accessibilità, la combinazione di una stabilità dei tassi e una modesta crescita dell'inventario potrebbe incentivare i potenziali acquirenti a entrare nel mercato. I tassi restano relativamente stabili rispetto a un anno fa, quando il mutuo a tasso fisso trentennale era in media al 6,77% e quello quindicennale al 6,05%.

Freddie Mac (OTCQB: FMCC) informó que la hipoteca a tasa fija a 30 años (FRM) promedió un 6.75% al 17 de julio de 2025, mostrando un ligero aumento desde el 6.72% de la semana anterior. La hipoteca a tasa fija a 15 años también subió a 5.92% desde el 5.86% de la semana pasada.

Según el economista jefe Sam Khater, aunque los desafíos de accesibilidad persisten, la combinación de estabilidad en las tasas y un crecimiento moderado del inventario podría incentivar a los posibles compradores a ingresar al mercado. Las tasas se mantienen relativamente estables en comparación con hace un año, cuando la hipoteca a tasa fija a 30 años promedió un 6.77% y la de 15 años fue del 6.05%.

프레� �(OTCQB: FMCC)� 따르�, 30� 고정금리 모기지(FRM)� 평균 금리가 2025� 7� 17� 기준으로 6.75%�, 지난주 6.72%에서 소폭 상승했습니다. 15� 고정금리 모기지� 지난주 5.86%에서 5.92%� 올랐습니�.

수석 이코노미스트 � 카터� 주택 구매� 어려움� 계속되고 있지�, 금리 안정� 적당� 재고 증가가 잠재� 주택 구매자들� 시장� 진입하도� 유도� � 있다� 밝혔습니�. 금리� 1� 전과 비교� 상대적으� 안정적인�, 당시 30� FRM은 평균 6.77%, 15� FRM은 6.05%옶습니�.

Freddie Mac (OTCQB : FMCC) a indiqué que le prêt hypothécaire à taux fixe sur 30 ans (FRM) a atteint en moyenne 6,75% au 17 juillet 2025, enregistrant une légère hausse par rapport à 6,72% la semaine précédente. Le prêt à taux fixe sur 15 ans a également augmenté, passant de 5,86% à 5,92%.

Selon le chef économiste Sam Khater, bien que les défis liés à l’accessibilité persistent, la combinaison d’une stabilité des taux et d’une croissance modérée des stocks pourrait encourager les acheteurs potentiels à entrer sur le marché. Les taux restent relativement stables par rapport à l’année dernière, où le FRM sur 30 ans était en moyenne à 6,77% et celui sur 15 ans à 6,05%.

Freddie Mac (OTCQB: FMCC) berichtete, dass der durchschnittliche 30-jährige Festzins-Hypothekendarlehen (FRM) am 17. Juli 2025 bei 6,75% lag, was einen leichten Anstieg gegenüber 6,72% in der Vorwoche darstellt. Auch der 15-jährige FRM stieg von 5,86% auf 5,92%.

Laut Chefökonom Sam Khater könnten trotz anhaltender Erschwernisse bei der Erschwinglichkeit die Kombination aus stabilen Zinssätzen und moderatem Lagerzuwachs potenzielle Hauskäufer dazu ermutigen, den Markt zu betreten. Die Zinssätze sind im Vergleich zum Vorjahr relativ stabil, als der 30-jährige FRM bei durchschnittlich 6,77% und der 15-jährige FRM bei 6,05% lag.

Positive
  • None.
Negative
  • 30-year FRM increased to 6.75% from 6.72% week-over-week
  • Overall affordability challenges persist in the housing market
  • 15-year FRM rates increased week-over-week from 5.86% to 5.92%

MCLEAN, Va., July 17, 2025 (GLOBE NEWSWIRE) -- (OTCQB: FMCC) today released the results of its (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.75%.

“The 30-year fixed-rate mortgage inched up this week and continues to stay within a narrow range under 7%. While overall affordability headwinds persist, rate stability coupled with moderately rising inventory may sway prospective buyers to act,� said Sam Khater, Freddie Mac’s Chief Economist.

News Facts

  • The averaged 6.75% as of July 17, 2025, up from last week when it averaged 6.72%. A year ago at this time, the 30-year FRM averaged 6.77%.
  • The averaged 5.92%, up from last week when it averaged 5.86%. A year ago at this time, the 15-year FRM averaged 6.05%.

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

Freddie Mac’s mission is to make home possible for families across the nation. We promote liquidity, stability and affordability in the housing market throughout all economic cycles. Since 1970, we have helped tens of millions of families buy, rent or keep their home. Learn More: | | | | | |

MEDIA CONTACT:
Angela Waugaman
(703)714-0644
[email protected]

A photo accompanying this announcement is available at


FAQ

What are Freddie Mac's current mortgage rates as of July 17, 2025?

The 30-year fixed-rate mortgage averaged 6.75%, while the 15-year fixed-rate mortgage averaged 5.92%.

How have FMCC mortgage rates changed compared to last week?

Both rates increased: the 30-year FRM rose from 6.72% to 6.75%, and the 15-year FRM increased from 5.86% to 5.92%.

How do current Freddie Mac mortgage rates compare to last year?

Current rates are slightly lower: The 30-year FRM is at 6.75% compared to 6.77% last year, and the 15-year FRM is at 5.92% compared to 6.05% last year.

What is Freddie Mac's outlook on the current housing market?

According to their Chief Economist, while affordability challenges persist, the combination of rate stability and moderately rising inventory may encourage potential buyers to enter the market.

What types of loans does Freddie Mac's PMMS survey focus on?

The survey focuses on conventional, conforming, fully amortizing home purchase loans for borrowers with 20% down payment and excellent credit.
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