The cheapest 30-year refinance rates are in states like New York and California, ranging from 6.59% to 7.01%, while the highest rates, between 7.07% and 7.14%, are in states including Alaska and Hawaii. National average rates recently rose to 7.04%, near July lows but above March's 6.71%. Rates vary by lender, borrower credit, and economic factors like Treasury yields and Federal Reserve policies. Shopping around is advised.
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