Are Mortgage Rates Lower Now with Fed Rate at 2.25%?

With Fed Rate at 2.25% the mortgage rates are much lower now but not the same everywhere. I found that just one lender may have different rate pricing depending on state. For example Wells Fargo had a 30 year fixed in FL at 5.75% while in CA the same term had a 5.875% fixed rate and MA had 6.125%. Lenders who use their money money were offering rates as low as 5.25% 30 year fixed. I suggest you shop around before you lock into anything.