The current average mortgage rates in the United States as of October 9, 2025, are approximately:
- 30-year fixed mortgage rate: 6.35% (APR 6.42%)
- 15-year fixed mortgage rate: 5.63% (APR 5.73%)
- 30-year fixed refinance rate: about 6.60%
- 15-year refinance rate: about 5.93%
Mortgage rates have been relatively stable around these levels recently, with some decline noted over the past year. The rates vary by lender, loan type, and borrower qualifications. The Federal Reserve's policies and economic conditions influence these rates.
In the Netherlands, mortgage rates are generally lower, with fixed-rate mortgages around 3.5% to 4.5% currently, depending on the fixed period and type.
If more detailed regional or lender-specific rates are needed, please specify.
