Searching for the states with the best mortgage rates today? As of today, June 3, 2025, the states offering the cheapest 30-year mortgage rates for new home purchases are New York, California, Hawaii, and Tennessee. These states boast average rates hovering between 6.86% and 6.97%. Keep reading as I unpack what that means for you, how those rates stack up nationally, and what forces are shaping these numbers.
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