The average mortgage rate for a 30-year fixed-rate mortgage is 6.87% today, down 0.11% from the previous week.For a 15-year fixed mortgage, the average rate is 6.03%, with higher monthly payments but lower overall interest costs.The average interest rate for a 30-year fixed-rate jumbo mortgage is 7.17% today.Factors such as credit score, debt-to-income ratio, and the choice of loan program affect mortgage rates and eligibility for better rates.