This map compares average mortgage rates by state

One of the most stressful parts of buying or refinancing a home is locking in a mortgage rate. Home loan rates vary depending on various factors, including your credit score, down payment size, and — this is a big one — where you live. Mortgage rates by state At the time of publication, the national average 30-year fixed-rate mortgage sits at 6.37%, according to Zillow. That figure could be slightly higher or lower, though. It depends on which state you live in and whether you want to buy a house or ref ...