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Mortgage Rates Rise: Kentucky Lowest, Hawaii Highest

11/9/2025

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Summary

Story summary

Mortgage rates hovered near a 13-month low of 6.35% before rising to 6.48% on November 7, 2025.
Kentucky currently has the lowest rates, while Hawaii posts the highest, reflecting state differences.
Factors such as lender competition and borrower profiles explain these state variations.
The average 30-year mortgage rate is 5.99%, with refinancing options available at competitive rates.

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Story summary

Mortgage rates hovered near a 13-month low of 6.35% before rising to 6.48% on November 7, 2025.
Kentucky currently has the lowest rates, while Hawaii posts the highest, reflecting state differences.
Factors such as lender competition and borrower profiles explain these state variations.
The average 30-year mortgage rate is 5.99%, with refinancing options available at competitive rates.