According to the search results, 15-year mortgage rates vary depending on several factors, including the borrowers credit profile, income, debt, and savings. The national average 15-year fixed mortgage interest rate as of October 6, 2023, is 7.04% . However, its important to note that rates will vary from borrower to borrower based on credit history, income, job stability, savings, investments, and debt obligations, as well as the amount of the loan. Its recommended to compare rates from multiple lenders to find the best option that fits your financial goals and needs.