Mortgage and refinance interest rates today, November 21, 2025: Rates are still near 2025 lows

Mortgage rates are still bouncing within a very narrow range. According to Freddie Mac, the national average 30-year fixed mortgage rate rose two basis points this week to 6.26%. That's far from the 7.04% peak that the 30-year topped in January this year. The 15-year rate ticked up five basis points to 5.54%. The high for the year was 6.27%. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.10% 20-year fixed: 5.86% 15-year fixed: 5.57% ...