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With rates still hovering near 7%, the city you buy in could make or break your mortgage affordability. In some markets, the majority of buyers are locking in sub-7% loans. In others, scoring a deal like that is the exception—not the rule. A new analysis from Construction Coverage highlights the U.S. cities and states where homebuyers are still securing the most favorable mortgage rates. Researchers ranked locations by the share of approved fixed-rate loans under 7% in 2024, using the latest data from the Home Mortgage Disclosure Act.

The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.Banking misconceptions abound, according to a new NerdWallet survey. The survey of more than 2,000 U.S. adults, conducted...

Mortgage rates climbed for the second week in a row, denting home affordability in the middle of homebuying season.The average rate on the 30-year fixed-rate mortgage went up seven basis points to 7.01% in the week ending May 15, according to rates provided to NerdWallet by Zillow. A basis point is one one-hundredth of a...