U.S. Mortgage Rates Show Regional Divergence as Crypto Markets Hold Steady

Mortgage rates across U.S. states exhibited significant variation on July 31, 2025, with New York, New Jersey, and eight other states offering the most competitive 30-year fixed rates between 6.75% and 6.83%. Meanwhile, borrowers in Alaska, Washington D.C., and eight high-cost states faced averages ranging from 6.93% to 7.06%.

The disparity reflects localized lending conditions, including regional credit profiles, loan-to-value ratios, and state-specific regulations. Lenders continue to adjust pricing based on risk appetite and operational footprints, creating a fragmented national market where shopping multiple offers remains critical.

While traditional finance grapples with rate volatility, cryptocurrency markets maintain their decoupled trajectory. No major coins or exchanges show direct correlation to mortgage movements, reinforcing digital assets' role as an alternative asset class. The separation underscores how blockchain-based finance operates on fundamentally different macroeconomic drivers than legacy lending systems.