The 30-year fixed-rate conforming mortgage averaged 7.76% for the week ended Sept. 24, a slight decline from 7.82% the week before, according to Freddie Mac. A year earlier, the average was 6.64%.

The average for 15-year fixed-rate mortgages was 7.40%, down 3 basis points from the week before. A year ago, it averaged 6.32%.

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