Can somebody please help. What are the loan rates for mortgages in California?

I was told for an FHA loan it is 6.25%. Someone else tells me that it’s 7% for a conventional and FHA. Is the rate different the higher your FICO score is?
0 down, FICO score 640, Debt $ 8900 car, $ 1000 credit cards, Excellent credit history, BK 2 years ago. Loan amount $ 245.
Excellent credit history since BK.

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