Average Home Loan Interest Rates (Points are fees paid to a lender equal to 1 percent of the loan amount and are in addition to the interest rate. 3.78 percent with an average 0.3 point. It was 3.8 percent a week ago and 3.67.What Is Today Interest Rate Fixed 15 Year Mortgage Rate 30 year mortgage rate chart history mortgage interest Rates, Mortgage Rates by State. – 30-Year Fixed Mortgage Rates by State. Our interactive map shows the average 30-year fixed interest rate a lender would charge to lend money to a qualified borrower exclusive of the fees and points required by the lender. To see the specific 30 year fixed mortgage rate average for a particular state, simply hover over that state with your mouse.