According to the latest data from Zillow, Tuesday, December 16, 2025, didn’t bring any dramatic shakes to the refinance market. The benchmark 30-year fixed refinance rate stayed put at 6.71%. However, looking back just a week, that number was 6.67%, meaning we’ve seen a modest increase of 4 basis points. This is the most watched rate for homeowners looking to refinance because it offers predictability for the longest term.

 

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Mortgage Rates Today, Dec 16: 30-Year Refinance Rate Rises by 4 Basis Points