I copied and pasted from Bankrate, which BTW is where I got my 1.99% zero cost 15, so it's not always garbage. And these rates above omit the up front costs besides points these rates will carry. Only suckers are buying right now.
Those bankrate rates are garbage in my option as they are national averages and don't take many other factors that effect the interest rate (i.e. credit score, loan amount, down payment %, property location, property type, etc). Buyers need to speak to their lender to determine what their interest rate will be given their particular situation. It's the same thing as posting national real estate news and trying to shoehorn it to fit the narrative for the local real estate market, it doesn't work like that as local real estate can move independently of what is happening nationally.