Today's average mortgage rate on a 30-year fixed-rate mortgage is 6.63%, up 0.13 percentage point from the previous week.Borrowers may save on interest costs by going with a 15-year fixed mortgage, which has an average APR of 5.69%.Refinance rates are also available for those looking to refinance their existing mortgage.Factors such as credit score, debt-to-income ratio, and loan programs impact mortgage rates.