Are Mortgage Rates Higher in Different States? Like Ohio?

[Alma Mills]

I own property in Ohio and California and have been refinancing several of them.  I have been surprised that the rates I am getting quoted in Ohio are significantly higher than those I have been getting in CA.  The Ohio Lenders say that the rates they offer should be the same as in other places in the country, but they don't seem that way.  For example, I just funded a refi of a non-owner occupied Singe Family for a non-cash out in CA at 2.99%. ( I bought it down for a little less than a point but the base was 3.15%). This was not a jumbo, the debt was 356k.  I admit I did lock this before the pandemic.  The lenders in Ohio have been saying that for a cash out non-owner occupied duplex I would be looking at something in the high 4 percents.  

I was hoping you savvy lenders and investors could shed some light on this for me.  Why would interest rates be higher in some states over others?  Or do I just need to shop around more?  Any recommendations would be appreciated.