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Surge in mortgage rates equivalent of a 6% increase in home payment prices, says Zelman's RatnerOn Saturday, November 9, , the average APR on a year fixed-rate mortgage fell 7 basis points to %. The average APR on a year fixed-rate mortgage. View today's current mortgage rates with our national average index, calculated daily to bring you the most accurate data when purchasing or refinancing. National year fixed mortgage rates go down to %. The current average year fixed mortgage rate fell 8 basis points from % to % on Friday.