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U.S. Refinance Rates Show Regional Divergence as National Average Holds Below 7%
U.S. Refinance Rates Show Regional Divergence as National Average Holds Below 7%
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Mortgage refinance rates exhibited stark geographic disparities on August 1, 2025, with North Carolina, New York, and five other states offering 30-year terms between 6.88% and 6.94%. Conversely, West Virginia and seven high-rate states recorded averages of 7.03% to 7.07%—a 19-basis-point spread reflecting regional variations in lender risk models and regulatory environments.
The national refinance average stabilized at 6.99% after recent declines, remaining comfortably below May's 7.32% peak but above March's 2025 low of 6.71%. Market observers note this consolidation follows the Federal Reserve's measured approach to monetary policy adjustments, with housing finance costs mirroring broader macroeconomic stability.
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