As of Sunday, August 17, 2025, the current average mortgage interest rates in the U.S. are approximately:
- 30-year fixed mortgage rate: around 6.60% to 6.67% APR
- 15-year fixed mortgage rate: around 5.80% to 5.89% APR
Refinance rates are slightly higher, with 30-year fixed refinance rates around 6.79% and 15-year refinance rates about 6.09%. Mortgage rates have recently dipped to their lowest levels in nine months amid some economic uncertainty, but still remain relatively elevated compared to earlier periods. These figures represent national averages and can vary based on lender, borrower credit profile, loan amount, and other factors. Shopping around among lenders could provide lower rates than the average.
