India, Oct. 8 -- Mortgage rates have been rising across much of the US, but not everywhere. The national average for a 30-year mortgage has reached recent highs in recent months. A new WalletHub report found that mortgage rates actually fell in 13 states between the first and second quarters of 2026. This means some homebuyers saw borrowing costs move lower even as rates increased across most of the country.

The 13 states that saw mortgage rates fall were Hawaii, Iowa, Louisiana, Vermont, Rhode Island, West Virginia, Maine, Nevada, Texas, Montana, Wyoming, South Dakota and North Dakota. The WalletHub report compared average mortgage rates in the first and second quarters of 2026, according to USA Today.

North Dakota recorded the biggest...