Published December 16, 2025

December 15, 2025 Market Update Courtesy of Envoy Mortgage

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Written by Andrew Schmidt

December 15, 2025 Market Update Courtesy of Envoy Mortgage header image.

Market Spotlight

Week of December 15th, 2025 | #191
What You Need to Know
Rate Full-Dec-15-2025-06-45-55-9379-AM
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Rate Update

Key Takeaway: The Fed cut rates again but signaled fewer cuts ahead—keeping mortgage rates steady near 2025 lows.

The Federal Reserve delivered its third rate cut of 2025, lowering the Fed Funds rate to 3.50%–3.75%. While the cut was expected, the message was more cautious. A divided Fed and updated projections pointed to a slower pace of cuts moving forward.

Mortgage rates didn’t fall after the decision, reinforcing what we’ve seen all year: Fed cuts don’t automatically translate to lower mortgage rates.

Markets are now digesting the Fed’s tone rather than the cut itself. Rates remain near 2025 lows, but volatility could pick up as investors react to upcoming economic data and shifting expectations for 2026.

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Market Update

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Envoy mortgage, homes for sale, real estate, realtor broken arrow, realtor oklahoma

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