Spencer, New York Mortgage Refinance

Average mortgage rates

Loan	Rate	Since last week
30-year fixed	7.32%	down 0.08
15-year fixed	6.68%	down 0.03

30-year 15-year, weekly since Oct 2025

Freddie Mac Primary Mortgage Market Survey, week of October 22, 2026. National averages; your rate depends on your credit, down payment and lender.