On January 8, 2026, Freddie Mac released its Primary Mortgage Market Survey showing the 30-year fixed-rate mortgage averaged 6.16%, up marginally from 6.15% the prior week but down from 6.93% a year ago. The 15-year fixed-rate mortgage averaged 5.46%, compared with 5.44% a week earlier and 6.14% a year ago. Chief Economist Sam Khater noted that solid economic growth alongside these stable rates has driven a more than 20% increase in purchase applications compared with the same period in 2025, underscoring improving demand in the for-sale residential market.

Freddie Mac’s Multifamily division issued $68 billion of securities in 2025, including a company record $28.1 billion in Multi PC offerings and $32.6 billion in K-Deals. The business also settled $2.3 billion in SB-Deals, $2.4 billion in Q-Deals and $1.5 billion in M-Deals and ML-Deals, as well as nearly $1.7 billion in structured credit risk and insurance policy transactions. These issuances transferred interest-rate, liquidity and credit risks to private investors, supporting over 90% of the rental units it finances as affordable to low-to-moderate income households and contributing to an $805 billion total multifamily securitization volume since 2009.

Following a presidential directive for Fannie Mae and Freddie Mac to acquire $200 billion of mortgage bonds to alleviate housing affordability pressures, analysts have expressed skepticism about the timing and feasibility of the companies’ long-planned privatization. Industry observers point out that such a large expansion of government-sponsored enterprise balance sheets could delay exit from conservatorship, complicate capital planning and introduce uncertainty around initial public offering prospects, despite the stated goal of stabilizing housing markets.