The states with the lowest 30-year mortgage refinance rates include New York, California, Florida, New Jersey, North Carolina, Tennessee, Texas, and Washington, with averages between 6.56% and 6.77%. Conversely, West Virginia, Ohio, Alaska, Alabama, Arizona, Maryland, and Washington, D.C. have the highest rates, ranging from 6.84% to 6.87%. The national average for 30-year refinance mortgages is currently 6.79%, the lowest this year, but still higher than September's low of 6.01%. Rates vary by state and lender, influenced by factors like credit scores and loan sizes.
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