The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.190%, according to data available from mortgage data company Optimal Blue. That’s down roughly 4 basis points from the prior day’s report, and down about 11 basis points from a week ago. It’s also the lowest the average rate for that type of loan has been since mid-September, per Optimal Blue data. 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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