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The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($806,500 or less) in the US fell to 6.34% in the week ending September 19th 2025, the lowest since September 2024, from 6.39% in the previous period, according to the Mortgage Bankers Association. Mortgage rates were down for a fourth consecutive week, tracking lower Treasury yields as the Fed cut the fed funds rate by 25bps as expected and signalled additional 50bps of reductions this year. “Interest rates generally have moved up following the FOMC meeting last week but remain in a range that should continue to lead to increased refinance activity”, said Mike Fratantoni, MBA’s SVP and chief economist. Meanwhile, the average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $806,500) decreased to 6.44% from 6.48%. The average contract interest rate for 30-year fixed-rate mortgages backed by the FHA remained unchanged at 6.14%.