During 2025, Bankrate’s average rate saved its consumers $73,397 on their expected 30-year mortgage cost.

Savings based on a modeled comparison of Bankrate’s monthly average clicked-on rate in 2025 for purchases and refinances and Freddie Mac’s average published mortgage rate, with savings calculated over a 30-year term using Bankrate’s average loan amount. Freddie Mac’s survey criteria differ from Bankrate data, and fees and points are excluded for both. Not actual realized consumer savings; actual savings vary based on loan terms, rates, costs, and how long the loan is held. Bankrate is not a lender. Learn more about our methodology.