Mortgage and refinance interest rates today, November 14, 2025: Mostly unchanged (but still near 2025 lows)

Mortgage rates remain mostly unchanged. According to Freddie Mac, the national average 30-year fixed mortgage rate rose two basis points this week to 6.24% — more than a half-point lower than one year ago. The 15-year rate ticked down one basis point to 5.49%, 49 basis points lower than last year at this time. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.10% 20-year fixed: 6.08% 15-year fixed: 5.60% 5/1 ARM: 6.39% 7/1 ARM: 6.51% ...