30 yr fixed rate mortgage rates

[Devan R.]

Preparing to close on new construction home next month. Locked in interest rate today at 4.5%. National average for 30 yr is 4.2%/4.3% today. Our credit scores are in the 780 range. I asked lender why our rate wasn't on the national average range. Lender indicated traditionally Florida rates are higher since loans historically haven't done well. Is 4.5% good - I replied back to the lender of my disappointment. When we initially spoke their Good Faith Estimate interest rate were in line with national averages earlier this year.