Mortgage and refinance interest rates today, October 7, 2025: The 30-year rate hovers above 6.25%

Today's mortgage rates are holding steady. According to Zillow, the average 30-year fixed rate has decreased by one basis point to 6.27%, and the 15-year fixed rate remains unchanged at 5.58%. The government shutdown could cause mortgage rates to shift one way or the other, depending on what happens next. Currently, the government is not releasing economic data, such as job reports, that would typically move the needle. Dig deeper: The best mortgage lenders right now Today's mortgage rates Here are th ...