Mortgage and refinance interest rates today, October 30, 2025: Rates are down more than a half point from a year ago

Mortgage rates made another small move lower this week. According to Freddie Mac, the average 30-year fixed mortgage rate fell two basis points to 6.17%. The 15-year fixed rate dropped three basis points to 5.41%. Rates have been bouncing up and down for weeks, but are still lower since the beginning of the government shutdown. The 30-year fixed rate is down more than a half point from one year ago. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-yea ...