{"nationalAverage30yr":6.46,"nationalAverage15yr":null,"asOf":"2026-04-05","source":"Federal Reserve Economic Data (FRED) - Freddie Mac PMMS","rateEnvironment":"falling","guidance":"Current national average rates are 6.46%. Individual rates vary based on credit score, loan type, down payment, and property. Sonic Loans specializes in finding the best rate for your situation with an average closing time of just 8.2 days.","getQuoteUrl":"https://sonicloans.com/purchase","phone":"(313) 488-4888","disclaimer":"These are national averages, not personalized quotes. Your rate may be significantly different. Contact Sonic Loans for an accurate quote."}