The cheapest 30-year refinance rates are in states like New York and California, averaging 6.83%-6.98%, while the highest rates, around 7.04%-7.10%, are in West Virginia, Alaska, and others. National rates slightly rose to 7.01% after a week-long decline but remain below May's peak. Rates vary by lender, credit score, and location. Fed policies and bond markets heavily influence mortgage rates.
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