The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.037%, according to data available from mortgage data company Optimal Blue. That’s down about 10 basis points from the prior report, and down approximately 10 basis points from a week ago as well. It’s also the lowest rate for this type of loan that we’ve seen in our analysis of Optimal Blue data since mid-September 2024. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.

 

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