After a recent surge to their most expensive level since early July, 30-year mortgages ticked down Friday. Rates for most other loans were down or flat.

Mortgage costs stayed stubbornly high in 2024, with 30-year fixed rates holding well above 6% for most of the year. Unfortunately for buyers, 2025 isn't looking much better. The Federal Reserve has been cutting interest rates,

These are today's mortgage and refinance rates. Mortgage rates dropped in the fall, but they've trended back up over the last few months.

The 30-year mortgage refinance rate average retreated from its recent high but remains elevated. Many other refi loan types subtracted points as well, while a few were flat.