Current Mortgage Rates October 2026 | As Low As 5.625%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Mortgage rates range from 4.43% (30-year jumbo) to 7.38% (FHA), verified by MonitorBankRates as of October 10, 2026. Current 30-year fixed mortgage rates include Advance Financial Federal Credit Union31 W US Highway 30, East Chicago, IN, 46312A+5.0 ★Texas Ratio: 2.82% (30-Year Fixed Mortgage) at 5.625%, Institution for Savings112 County Rd, Amesbury, MA, 01913A+5.0 ★Texas Ratio: 0.22% (30 Year Fixed) at 5.625%, Educational Employees Credit Union1070 E Teague Ave, Clovis, CA, 93230 4938A+5.0 ★Texas Ratio: 0.58% (30 Year Fixed Rate Jumbo - Primary Residence) at 5.75%, Frost Bank1000 N Walnut Creek Dr, Addison, TX, 75001A+5.0 ★Texas Ratio: 2.51% (30-year fixed-rate (Income-based) Mortgage) at 5.75%, and Hill District Federal Credit Union2021 Centre Ave, Pittsburgh, PA, 15219 6301C+4.2 ★Texas Ratio: 25.14% (30-Year Fixed Mortgage) at 5.75%. Mortgage rates as of October 10, 2026 according to verified data from MonitorBankRates.
We compared 7,268 mortgage rates from 1,176 banks and credit unions across all 50 states to help you find the best 30-year fixed, 15-year fixed, ARM, FHA, VA, and jumbo mortgage rates.
Finding the lowest mortgage rate can save you thousands over the life of your loan. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated lenders and national banks is critical. We empower borrowers with transparent financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can choose a stable, highly-rated institution with confidence.
Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers nationally. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 10, 2026
Compare Mortgage Rates Today Across the United States
30 Year Fixed Mortgage Rates
Rates starting at
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- Oct 7, 20265.67%▼ from 6.71%
- Oct 1, 20266.71%▲ from 6.58%
- Sep 15, 20266.58%first recorded
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Total Savings: $50,078.55
As low as
As low as 5.99% Annual Percentage Rate (APR) for a 30-year fixed-rate, first-lien mortgage loan, 80% loan-to-value. Available to qualified borrowers with a minimum 720 credit score for a primary residence. Applications must be received October 1-31, 2026, and close within 90 days of application receipt. Subject to credit approval, collateral, and underwriting requirements. The advertised rate and promotional terms are not guaranteed until the loan is rate-locked in accordance with Radiant Credit Union's rate-lock procedures. Eligible transactions include purchase loans (1st Lien), one-time-close construction-to-permanent loans (1st Lien), and refinances of mortgage loans (1st Lien) not currently held by Radiant Credit Union. For qualifying One-Time Close construction-to-permanent loans, Radiant Credit Union will waive its 1.00% origination fee. Other closing costs, prepaid items, escrow deposits, and third-party fees may apply. Interest rate buydown programs are unavailable with this offer. Payment example: A $300,000.00 mortgage purchase loan for 30 years at a rate of 5.90% results in a 5.99% APR and an estimated monthly principal and interest payment of $1,779.41. Payment quoted does not include escrows for property taxes and insurance premiums. If required to escrow for taxes and insurance, the monthly payment amount will be higher. Membership eligibility required. NMLS ID 408361
As Low As; Featured Rate
- Sep 18, 20266.00%▼ from 8.00%
- Sep 14, 20268.00%first recorded
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Annual Percentage Rate
- Oct 4, 20266.05%▲ from 5.50%
- Sep 14, 20265.50%first recorded
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- Sep 27, 20266.06%▲ from 5.68%
- Sep 15, 20265.68%first recorded
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Rate As Low As; Conforming Fixed Rate Loan Limits: 1 family $$766,550; 2 family $981,500; 3 family $1,186,350; 4 family $1,474,400. Payment/$1,000 does not include amounts for taxes and insurance premiums. Rates advertised are the best currently available based on credit-worthiness, collateral value and income requirements. Other rates, terms and programs are available. Please contact our mortgage lending department at 508.754.9980 for complete details.
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Up to 89% financing with no mortgage insurance required.
10 year call
Rates include all possible discounts. Contact us to determine which discounts apply to you.
- Oct 10, 20266.24%▲ from 5.49%
- Sep 18, 20265.49%first recorded
Up to 90% of Contracted Sales Price on First Mortgage.
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- Oct 2, 20266.25%▲ from 5.90%
- Sep 14, 20265.90%first recorded
Call Shannon at 816-324-1414 or Jessica at 816-279-5656. to help you with your mortgage loan!
As Low As
- Oct 2, 20266.25%▲ from 6.10%
- Oct 1, 20266.10%▼ from 6.35%
- Sep 18, 20266.35%first recorded
As low as
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- Oct 7, 20266.26%▼ from 7.01%
- Oct 1, 20267.01%▲ from 6.64%
- Sep 19, 20266.64%▲ from 5.64%
- Sep 15, 20265.64%first recorded
Add .25% for loans less than $100,000.
- Oct 1, 20266.27%▲ from 6.02%
- Sep 24, 20266.02%first recorded
All other Purchase and Refinance Loans; Minimum Credit Score: 720
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Rates and Terms are subject to credit approval.
According to Forbes, an average annual percentage rate of 6.29% represents the standard for a benchmark 30-year fixed home loan.
The monthly payment schedule would be: 359 payments of $2,462.87 at an interest rate of 6.250%; 1 payment of $2,462.44 at an interest rate of 6.250%. Minimum payment does not include taxes and homeowner's insurance, and the actual payment may be greater.
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- Oct 1, 20266.30%▲ from 6.02%
- Sep 27, 20266.02%first recorded
As low as
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As low as
- Sep 18, 20266.37%▲ from 5.87%
- Sep 14, 20265.87%first recorded
As Low As; APR*
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Term: 30 Year Fixed (or 360 monthly payments)
- Oct 8, 20266.42%▲ from 5.92%
- Sep 16, 20265.92%first recorded
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Owner Occupied
- Oct 1, 20266.42%▲ from 6.17%
- Sep 20, 20266.17%▲ from 6.04%
- Sep 14, 20266.04%first recorded
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- Sep 24, 20266.43%▲ from 6.18%
- Sep 14, 20266.18%first recorded
All other Purchase and Refinance Loans; Minimum Credit Score: 720
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My Rate FL Average - 30 Yr Fixed: 6.986% APR *
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780. At a 6.400% interest rate, the APR for this loan type is 6.489%. The payment schedule would be: 359 payments of $1,251.01 at an interest rate of 6.400% 1 payment of $1,251.64 at an interest rate of 6.400% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The interest rates, annual percentage rates (APRs), and fees are subject to change without notice.
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As Low As; First Mortgage - Purchase
As Low As; *
- Oct 2, 20266.50%▲ from 6.35%
- Sep 14, 20266.35%first recorded
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- Sep 27, 20266.50%▲ from 5.75%
- Sep 14, 20265.75%first recorded
15 Year Fixed Mortgage Rates
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**THESE PROMOTIONAL RATES ARE AVAILABLE FOR A LIMITED TIME AS APPROVED BY THE CMC FEDERAL CREDIT UNION BOARD OF DIRECTORS**
As Low As; Max LTV: Up to 95%
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Terms 15*, 30**
As Low As
- Oct 2, 20265.50%▲ from 5.00%
- Oct 1, 20265.00%▼ from 5.25%
- Sep 18, 20265.25%first recorded
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Rate As Low As; Conforming Fixed Rate Loan Limits: 1 family $$766,550; 2 family $981,500; 3 family $1,186,350; 4 family $1,474,400. Payment/$1,000 does not include amounts for taxes and insurance premiums. Rates advertised are the best currently available based on credit-worthiness, collateral value and income requirements. Other rates, terms and programs are available. Please contact our mortgage lending department at 508.754.9980 for complete details.
No additional details available.
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- Oct 1, 20265.66%▲ from 5.40%
- Sep 16, 20265.40%first recorded
Terms and Conditions
- Oct 1, 20265.67%▲ from 5.17%
- Sep 15, 20265.17%first recorded
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- Oct 9, 20265.68%▲ from 5.43%
- Sep 14, 20265.43%first recorded
As Low As
For complete information or rate quotes contact a Mortgage Specialist at 563-210-2787 or 563-888-9670
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The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780. At a 5.525% interest rate, the APR for this loan type is 5.706%. The payment schedule would be: 179 payments of $1,636.82 at an interest rate of 5.525% 1 payment of $1,637.12 at an interest rate of 5.525% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The interest rates, annual percentage rates (APRs), and fees are subject to change without notice.
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APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
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- Oct 2, 20265.75%▲ from 5.40%
- Sep 14, 20265.40%first recorded
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Call Shannon at 816-324-1414 or Jessica at 816-279-5656. to help you with your mortgage loan!
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First Mortgage - Primary Residence Only
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Loan Amount: $165,000; Payment: $1,348.19; Discount Points/AMT: $1,414.75
- Oct 7, 20265.80%▲ from 5.55%
- Sep 27, 20265.55%▲ from 5.55%
- Sep 24, 20265.55%first recorded
Loan to Value %: 80%
Rates and Terms are subject to credit approval.
Term: 15 Year Fixed (or 180 monthly payments)
- Oct 8, 20265.86%▲ from 5.36%
- Sep 16, 20265.36%first recorded
Max LTV: <=90%; Primary Dwelling or Second Home; Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
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- Oct 9, 20265.88%▲ from 5.63%
- Sep 14, 20265.63%first recorded
Add .25% for loans less than $100,000.
- Oct 1, 20265.92%▲ from 5.67%
- Sep 24, 20265.67%first recorded
As low as
- Sep 27, 20265.94%▲ from 5.87%
- Sep 18, 20265.87%▲ from 5.36%
- Sep 14, 20265.36%first recorded
Loan amount not to exceed $499,999
- Oct 8, 20265.95%▲ from 5.70%
- Sep 17, 20265.70%▲ from 5.32%
- Sep 14, 20265.32%first recorded
All other Purchase and Refinance Loans; Minimum Credit Score: 720
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For a $250,000.00 loan would result in a monthly payment of $2,076.03. Last updated 10/09/2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.
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As Low As; First Mortgage - Purchase
As Low As; *
- Oct 2, 20266.00%▲ from 5.85%
- Sep 14, 20265.85%first recorded
NMLS ID 411386
As low as
As low as
Available on primary residences located in the state of South Carolina. Qualification is subject to creditworthiness. Interest rates vary by product and are subject to change.
- Oct 2, 20266.00%▲ from 5.87%
- Sep 25, 20265.87%▲ from 5.75%
- Sep 21, 20265.75%first recorded
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- Oct 2, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
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As low as
As low as
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All other Purchase and Refinance Loans; Minimum Credit Score: 720
5/1 ARM Mortgage Rates
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As Low As
Adjustable Rate As Low As
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with closing costs
- Sep 21, 20265.50%▲ from 5.25%
- Sep 14, 20265.25%first recorded
As Low As
- Sep 25, 20265.55%▲ from 5.30%
- Sep 14, 20265.30%first recorded
Loan to Value %: 80%
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Annual Cap: 2.00%; Lifetime Cap: 5.00%; Minimum Loan Amount is $20,000; Maximum Refinance Loan to Value is 90%; Maximum Purchase Money 95% LTV
Payment assumptions: 720 FICO score, primary residence, 80% LTV/CLTV, and a 1-unit single-family residence. $600,000 loan amount with estimated closing costs of $12,800.00. This payment does not include impounds for property taxes or insurance.
Conforming
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As low as; 1st Mortgage
Variable; (5.930%)
- Oct 8, 20265.75%▼ from 5.93%
- Sep 14, 20265.93%first recorded
30-Year Jumbo Mortgage Rates
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As low as
$832,750; As low as
Payment*: $3,639.81
- Oct 8, 20265.35%▼ from 5.38%
- Sep 16, 20265.38%first recorded
Published APR range: As low as 5.641%; Published rate range: As low as 5.500%. Rate 1 5 Years: As low as 5.500%; Current Calculation of Rate Remaining Term: 6.625%
- Sep 25, 20265.64%▲ from 5.50%
- Sep 17, 20265.50%▼ from 5.64%
- Sep 14, 20265.64%first recorded
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Receive a notification when this rate changesReceive a notification when this rate changes
- Oct 2, 20265.88%▲ from 5.63%
- Sep 14, 20265.63%first recorded
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Additional APR listed for this product: 6.093%. As low as
- Oct 8, 20266.04%▼ from 7.42%
- Oct 2, 20267.42%▲ from 7.05%
- Sep 20, 20267.05%▲ from 6.79%
- Sep 14, 20266.79%first recorded
Published APR range: As low as 6.168%; Published rate range: As low as 6.000%. Rate 1 5 Years: As low as 6.000%; Current Calculation of Rate Remaining Term: 6.625%
- Sep 25, 20266.17%▲ from 6.00%
- Sep 17, 20266.00%▼ from 6.17%
- Sep 14, 20266.17%first recorded
Jumbo loans are loans exceeding $832,750. Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $900,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. APR is based on a $900,000 loan amount. Rates also available for Non-Owner Occupied.
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As low as; Estimated Payment per $10,000:$111.02
- Oct 2, 20266.25%▲ from 5.99%
- Sep 20, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Jumbo loans are loans exceeding $832,750. Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $900,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. APR is based on a $900,000 loan amount. Rates also available for Non-Owner Occupied.
As Low As; Example Loan Amount: $850,000; Example
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- Oct 9, 20266.38%▲ from 6.13%
- Sep 14, 20266.13%first recorded
Receive a notification when this rate changesReceive a notification when this rate changes
- Oct 2, 20266.38%▲ from 6.13%
- Sep 14, 20266.13%first recorded
Payment*: $4,108.44
- Oct 8, 20266.47%▼ from 6.50%
- Sep 16, 20266.50%first recorded
For a $832,750.00 loan would result in a monthly payment of $6,147.63. Last updated 10/09/2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.
No additional details available.
- Oct 1, 20266.53%▲ from 6.29%
- Sep 24, 20266.29%first recorded
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15-Year Jumbo Mortgage Rates
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As low as
$832,750; As low as
Payment*: $3,639.81
- Oct 8, 20265.35%▼ from 5.38%
- Sep 16, 20265.38%first recorded
Jumbo loans are loans exceeding $832,750. Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $900,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. APR is based on a $900,000 loan amount. Rates also available for Non-Owner Occupied.
Published APR range: As low as 5.641%; Published rate range: As low as 5.500%. Rate 1 5 Years: As low as 5.500%; Current Calculation of Rate Remaining Term: 6.625%
- Sep 25, 20265.64%▲ from 5.50%
- Sep 17, 20265.50%▼ from 5.64%
- Sep 14, 20265.64%first recorded
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- Oct 9, 20265.88%▲ from 5.63%
- Sep 14, 20265.63%first recorded
Receive a notification when this rate changesReceive a notification when this rate changes
- Oct 2, 20265.88%▲ from 5.63%
- Sep 14, 20265.63%first recorded
For a $832,750.00 loan would result in a monthly payment of $6,915.24. Last updated 10/09/2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.
No additional details available.
No additional details available.
Additional APR listed for this product: 6.093%. As low as
- Oct 8, 20266.04%▼ from 7.42%
- Oct 2, 20267.42%▲ from 7.05%
- Sep 20, 20267.05%▲ from 6.79%
- Sep 14, 20266.79%first recorded
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- Oct 1, 20266.14%▲ from 6.00%
- Sep 24, 20266.00%first recorded
Published APR range: As low as 6.168%; Published rate range: As low as 6.000%. Rate 1 5 Years: As low as 6.000%; Current Calculation of Rate Remaining Term: 6.625%
- Sep 25, 20266.17%▲ from 6.00%
- Sep 17, 20266.00%▼ from 6.17%
- Sep 14, 20266.17%first recorded
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- Oct 1, 20266.17%▲ from 5.79%
- Sep 24, 20265.79%first recorded
Autopay, receive a 0.125% discount when your loan payment is automatically deducted from a Marblehead Bank checking or statement savings account.
- Oct 7, 20266.17%▲ from 6.05%
- Sep 24, 20266.05%first recorded
Jumbo loans are loans exceeding $832,750. Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $900,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. APR is based on a $900,000 loan amount. Rates also available for Non-Owner Occupied.
No additional details available.
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As low as; Estimated Payment per $10,000:$111.02
- Oct 2, 20266.25%▲ from 5.99%
- Sep 20, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
No additional details available.
Jumbo loans are loans exceeding $832,750. Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $900,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. APR is based on a $900,000 loan amount. Rates also available for Non-Owner Occupied.
As Low As; Example Loan Amount: $850,000; Example
No additional details available.
- Oct 9, 20266.38%▲ from 6.13%
- Sep 14, 20266.13%first recorded
Receive a notification when this rate changesReceive a notification when this rate changes
- Oct 2, 20266.38%▲ from 6.13%
- Sep 14, 20266.13%first recorded
As Low As; Example Loan Amount: $850,000; Example
Payment*: $4,108.44
- Oct 8, 20266.47%▼ from 6.50%
- Sep 16, 20266.50%first recorded
As low as; Estimated Payment per $10,000:$85.74
- Oct 2, 20266.47%▲ from 6.22%
- Sep 20, 20266.22%▲ from 5.96%
- Sep 14, 20265.96%first recorded
For a $832,750.00 loan would result in a monthly payment of $6,147.63. Last updated 10/09/2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.
As low as; Estimated Payment per $10,000:$85.74
- Oct 2, 20266.51%▲ from 6.26%
- Sep 20, 20266.26%▲ from 6.00%
- Sep 14, 20266.00%first recorded
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- Oct 1, 20266.53%▲ from 6.29%
- Sep 24, 20266.29%first recorded
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Rate Lock: 60 Day
No additional details available.
payment example
- Oct 2, 20266.62%▲ from 6.37%
- Sep 30, 20266.37%first recorded
5/1 Jumbo ARM Mortgage Rates
Published APR range: As low as 5.641%; Published rate range: As low as 5.500%. Rate 1 5 Years: As low as 5.500%; Current Calculation of Rate Remaining Term: 6.625%
- Sep 25, 20265.64%▲ from 5.50%
- Sep 17, 20265.50%▼ from 5.64%
- Sep 14, 20265.64%first recorded
Payment assumptions: 720 FICO score, primary residence, 80% LTV/CLTV, and a 1-unit single-family residence. $900,000 loan amount with estimated closing costs of $18,800.00. This payment does not include impounds for property taxes or insurance.
Jumbo / High-Balance
As low as; Jumbo 15/15 Adjustable Rate Mortgages
As Low As; Your interest rate and payment are subject to change (up or down) every five years for the remaining loan term.
- Oct 8, 20266.04%▲ from 5.79%
- Sep 20, 20265.79%▲ from 5.54%
- Sep 14, 20265.54%first recorded
Margin: 2.500%; Caps: 2/2/6
- Oct 10, 20266.15%▲ from 6.02%
- Oct 1, 20266.02%▼ from 6.27%
- Sep 27, 20266.27%first recorded
Published APR range: As low as 6.168%; Published rate range: As low as 6.000%. Rate 1 5 Years: As low as 6.000%; Current Calculation of Rate Remaining Term: 6.625%
- Sep 25, 20266.17%▲ from 6.00%
- Sep 17, 20266.00%▼ from 6.17%
- Sep 14, 20266.17%first recorded
Margin: 2.375%; Caps: 2/2/5
- Oct 10, 20266.27%▲ from 6.15%
- Oct 1, 20266.15%▼ from 6.40%
- Sep 27, 20266.40%first recorded
Rate (as low as): 6.375%; Est. Payments Per $1,000*: $6.24
Rate (as low as): 6.750%; Est. Payments Per $1,000*: $6.49
Amount: $832,751 to $2,500,000
- Oct 10, 20266.57%▲ from 6.19%
- Sep 14, 20266.19%first recorded
No additional details available.
- Sep 25, 20266.58%▲ from 6.20%
- Sep 17, 20266.20%▲ from 6.18%
- Sep 14, 20266.18%first recorded
No additional details available.
- Oct 2, 20266.60%▼ from 6.67%
- Oct 1, 20266.67%▲ from 6.60%
- Sep 18, 20266.60%first recorded
Amount: $832,751 to $2,500,000
- Oct 10, 20266.62%▲ from 6.19%
- Sep 14, 20266.19%first recorded
No additional details available.
- Oct 8, 20266.65%▲ from 6.30%
- Sep 16, 20266.30%first recorded
Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Initial 60 payments of $4,599.86 at a rate of 5.250%. Then, based on the current index, 299 payments of $5,063.66 at a rate of 6.250% and 1 payment of $5,060.46 at a rate of 6.250%.
No additional details available.
FHA Loan Rates
No additional details available.
- Oct 9, 20266.04%▲ from 5.96%
- Oct 5, 20265.96%▼ from 5.96%
- Oct 2, 20265.96%▲ from 5.79%
- Sep 25, 20265.79%▲ from 5.73%
No additional details available.
- Oct 9, 20266.32%▼ from 6.42%
- Oct 5, 20266.42%▼ from 6.42%
- Oct 2, 20266.42%▲ from 6.07%
- Sep 25, 20266.07%▲ from 6.04%
No additional details available.
- Oct 2, 20266.35%▲ from 6.23%
- Sep 25, 20266.23%▲ from 5.72%
- Sep 14, 20265.72%first recorded
No additional details available.
Payments of approximately $62.81 per $10,000 based on a 6.44% rate.
As Low As; Example Loan Amount: $300,000; Example
No additional details available.
No additional details available.
Loan Amount Example: $300,000.00; Monthly Payment Example: $2,633.98
- Oct 2, 20266.84%▼ from 6.92%
- Sep 14, 20266.92%first recorded
As Low As
- Oct 2, 20266.84%▼ from 6.92%
- Sep 14, 20266.92%first recorded
No additional details available.
- Oct 8, 20266.88%▲ from 6.63%
- Sep 25, 20266.63%▲ from 6.50%
- Sep 17, 20266.50%▲ from 6.38%
- Sep 12, 20266.38%first recorded
As low as
Term: FHA 30 Year Fixed Rate; Government
No additional details available.
- Oct 8, 20266.97%▲ from 6.85%
- Sep 25, 20266.85%▲ from 6.34%
- Sep 14, 20266.34%first recorded
All stated mortgage rates are effective as of 10/08/2026 and are based on a home rate/term refinance transaction loan amount of $187,500 with a property value of at least $250,000 and repayments term as stated. APR is Annual Percentage Rate. Rates are subject to change and based on creditworthiness. Other rates may apply. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors. 30-year term = 360 months and applies to 30-year conventional and FHA loans. 15-year term = 180 months and applies to 15-year conventional loans. 10-year term = 120 months and applies to 10-year conventional loans. All loan programs, rates, terms and conditions are subject to change at any time without notice. Rate scenarios are based on a 30-day lock.
- Oct 8, 20267.05%▲ from 6.84%
- Oct 4, 20266.84%▲ from 6.79%
- Oct 2, 20266.79%▲ from 6.69%
- Sep 25, 20266.69%▲ from 6.52%
No additional details available.
- Sep 27, 20267.08%▲ from 6.58%
- Sep 18, 20266.58%▲ from 6.32%
- Sep 14, 20266.32%first recorded
No additional details available.
- Sep 27, 20267.08%▲ from 6.58%
- Sep 18, 20266.58%▲ from 6.32%
- Sep 14, 20266.32%first recorded
Additional APR listed for this product: 7.193%.
Rates are subject to change without notice.
- Sep 29, 20267.10%▲ from 6.48%
- Sep 14, 20266.48%first recorded
No additional details available.
- Oct 8, 20267.13%▲ from 6.88%
- Oct 4, 20266.88%▼ from 7.13%
- Oct 2, 20267.13%▲ from 6.88%
- Sep 25, 20266.88%▲ from 6.75%
No additional details available.
No additional details available.
No additional details available.
- Oct 1, 20267.14%▲ from 6.64%
- Sep 15, 20266.64%first recorded
No additional details available.
- Oct 10, 20267.16%▲ from 6.77%
- Sep 27, 20266.77%first recorded
No additional details available.
- Oct 9, 20267.16%▼ from 7.22%
- Oct 5, 20267.22%first recorded
Regular APR: 7.26% - 7.51%
- Oct 9, 20267.17%▲ from 6.92%
- Sep 21, 20266.92%▲ from 6.85%
- Sep 18, 20266.85%first recorded
Estimated Payment Per $1,000 Borrowed: $8.93
- Sep 29, 20267.19%▲ from 7.14%
- Sep 25, 20267.14%▲ from 7.01%
- Sep 17, 20267.01%▼ from 19.99%
- Sep 14, 202619.99%first recorded
No additional details available.
- Oct 10, 20267.19%▼ from 7.29%
- Oct 2, 20267.29%▲ from 7.17%
- Oct 1, 20267.17%▼ from 7.20%
- Sep 27, 20267.20%▲ from 6.76%
No additional details available.
- Oct 9, 20267.21%▲ from 6.80%
- Sep 22, 20266.80%▲ from 6.71%
- Sep 14, 20266.71%first recorded
No additional details available.
- Oct 2, 20267.25%▲ from 6.38%
- Sep 14, 20266.38%first recorded
The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. Assumes no other loans or liens on subject property.
- Oct 2, 20267.25%▲ from 6.87%
- Sep 18, 20266.87%▲ from 6.74%
- Sep 14, 20266.74%first recorded
Regular APR: 7.17% - 7.51%
- Oct 9, 20267.26%▲ from 7.19%
- Sep 29, 20267.19%▲ from 7.14%
- Sep 25, 20267.14%▲ from 7.01%
- Sep 17, 20267.01%▼ from 19.99%
No additional details available.
No additional details available.
As Low As; Example Loan Amount: $300,000; Example
As low as
No additional details available.
FHA
- Sep 21, 20267.38%▲ from 7.00%
- Sep 14, 20267.00%first recorded
No additional details available.
- Sep 19, 20267.38%▲ from 7.15%
- Sep 15, 20267.15%first recorded
As of October 1, 2026; Subject to credit approval. Rates, terms, and information are subject to change at any time. Rates offered are dependent on credit score at application. Rates are locked for 60 days. Loans with less than 20% down payment will require private mortgage insurance. NMLS 595144
- Oct 2, 20267.39%▲ from 6.88%
- Sep 21, 20266.88%first recorded
No additional details available.
- Oct 1, 20267.40%▲ from 6.89%
- Sep 15, 20266.89%first recorded
No additional details available.
No additional details available.
- Oct 10, 20267.41%▲ from 7.36%
- Oct 2, 20267.36%▼ from 7.38%
- Oct 1, 20267.38%▲ from 7.30%
- Sep 27, 20267.30%▲ from 7.21%
Loan Amount Example: $300,000.00; Monthly Payment Example: $2,393.90
- Oct 2, 20267.41%▲ from 7.31%
- Sep 14, 20267.31%first recorded
As Low As
- Oct 2, 20267.41%▲ from 7.31%
- Sep 14, 20267.31%first recorded
Loan Amount Example: $300,000.00; Monthly Payment Example: $2,072.03
- Oct 2, 20267.42%▲ from 7.32%
- Sep 14, 20267.32%first recorded
*********
No additional details available.
No additional details available.
- Oct 9, 20267.45%▼ from 7.48%
- Oct 5, 20267.48%first recorded
No additional details available.
No additional details available.
Regular APR: 7.17% - 7.26%
- Oct 9, 20267.51%▲ from 7.26%
- Sep 21, 20267.26%▲ from 7.19%
- Sep 18, 20267.19%first recorded
As low as; Rate as low as 6.875%
No additional details available.
no homes on rented land
No additional details available.
No additional details available.
FHA
- Sep 25, 20267.60%▲ from 7.21%
- Sep 14, 20267.21%first recorded
No additional details available.
- Oct 9, 20267.60%▲ from 7.34%
- Oct 2, 20267.34%first recorded
VA Loan Rates
Variable Rate
Variable Rate
No additional details available.
- Oct 2, 20265.50%▲ from 5.15%
- Sep 14, 20265.15%first recorded
As Low As
No additional details available.
- Oct 2, 20265.75%▲ from 5.40%
- Sep 14, 20265.40%first recorded
Variable Rate
No additional details available.
- Oct 2, 20266.00%▲ from 5.65%
- Sep 14, 20265.65%first recorded
No additional details available.
- Oct 2, 20266.25%▲ from 5.90%
- Sep 14, 20265.90%first recorded
No additional details available.
- Oct 10, 20266.25%▼ from 6.43%
- Sep 18, 20266.43%▲ from 6.30%
- Sep 14, 20266.30%first recorded
No additional details available.
- Oct 9, 20266.49%▲ from 6.09%
- Sep 14, 20266.09%first recorded
As low as; VA Home Loan Rates
- Oct 8, 20266.49%▼ from 6.52%
- Oct 4, 20266.52%▲ from 6.49%
- Oct 2, 20266.49%▼ from 6.51%
- Sep 25, 20266.51%▲ from 6.25%
No additional details available.
No additional details available.
No additional details available.
As Low As; Example Loan Amount: $300,000; Example
No additional details available.
**********
No additional details available.
- Sep 25, 20266.69%▲ from 6.39%
- Sep 17, 20266.39%▲ from 6.26%
- Sep 14, 20266.26%first recorded
APR range 6.75%-18.00%. Fixed 5 years then adjusts on Prime every 5 years. Min $5,000; max 20-year repayment.
No additional details available.
- Oct 10, 20266.75%▲ from 6.52%
- Sep 14, 20266.52%first recorded
Primary Residence & One Unit Second Homes; Max LTV: 100%
No additional details available.
- Oct 9, 20266.80%▲ from 6.75%
- Oct 5, 20266.75%▲ from 6.53%
- Sep 17, 20266.53%first recorded
No additional details available.
- Sep 25, 20266.82%▲ from 6.51%
- Sep 17, 20266.51%▲ from 6.39%
- Sep 14, 20266.39%first recorded
As Low As; Loan Amount Example: $300,000.00; Monthly Payment Example8: $2,633.98
- Oct 10, 20266.84%▲ from 6.20%
- Sep 14, 20266.20%first recorded
As Low As
- Oct 2, 20266.84%▲ from 6.20%
- Sep 14, 20266.20%first recorded
No additional details available.
- Oct 9, 20266.84%▲ from 6.57%
- Sep 14, 20266.57%first recorded
No additional details available.
No additional details available.
- Oct 9, 20266.87%▲ from 6.80%
- Oct 5, 20266.80%▲ from 6.55%
- Sep 17, 20266.55%first recorded
No additional details available.
- Oct 8, 20266.88%▲ from 6.63%
- Sep 25, 20266.63%▲ from 6.50%
- Sep 17, 20266.50%▲ from 6.38%
- Sep 12, 20266.38%first recorded
No additional details available.
No additional details available.
- Oct 9, 20266.91%▲ from 6.59%
- Sep 14, 20266.59%first recorded
No additional details available.
- Oct 8, 20266.99%▲ from 6.74%
- Sep 14, 20266.74%first recorded
As Low As 7.00%
- Sep 27, 20267.00%▲ from 6.75%
- Sep 18, 20266.75%first recorded
Current as of October 1, 2026. Rate may be higher based on credit history, occupancy, LTV and loan type. No discount points. Assumes purpose of the loan is to purchase a single family residence that will be used as a primary residence.
- Oct 1, 20267.00%▲ from 6.50%
- Sep 24, 20266.50%▲ from 6.00%
- Sep 15, 20266.00%first recorded
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice.
No additional details available.
- Oct 10, 20267.02%▲ from 6.77%
- Sep 18, 20266.77%▲ from 6.64%
- Sep 14, 20266.64%first recorded
Primary Residence & One Unit Second Homes; Max LTV: 100%
No additional details available.
No additional details available.
- Oct 5, 20267.05%▲ from 6.64%
- Sep 14, 20266.64%first recorded
Rates are subject to change without notice.
- Oct 5, 20267.10%▲ from 6.85%
- Sep 25, 20266.85%▲ from 6.48%
- Sep 17, 20266.48%first recorded
Rates are subject to change without notice.
- Sep 29, 20267.10%▲ from 6.85%
- Sep 25, 20266.85%▲ from 6.48%
- Sep 14, 20266.48%first recorded
Down Payment: 0.00%
- Sep 29, 20267.12%▲ from 6.87%
- Sep 21, 20266.87%▲ from 6.74%
- Sep 18, 20266.74%▲ from 6.49%
- Sep 14, 20266.49%first recorded
No additional details available.
- Oct 10, 20267.13%▼ from 7.14%
- Oct 2, 20267.14%▲ from 7.12%
- Oct 1, 20267.12%▼ from 7.13%
- Sep 27, 20267.13%▲ from 6.65%
No additional details available.
- Sep 17, 20267.13%▲ from 7.00%
- Sep 14, 20267.00%first recorded
No additional details available.
- Oct 10, 20267.14%▼ from 7.20%
- Oct 2, 20267.20%▼ from 7.24%
- Oct 1, 20267.24%▲ from 7.14%
- Sep 27, 20267.14%▲ from 7.06%
No additional details available.
- Oct 10, 20267.15%▲ from 6.87%
- Sep 22, 20266.87%first recorded
no homes on rented land
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Oct 9, 20267.17%▲ from 6.88%
- Sep 14, 20266.88%first recorded
No additional details available.
- Oct 10, 20267.18%▲ from 6.67%
- Oct 2, 20266.67%▼ from 7.18%
- Sep 22, 20267.18%▲ from 6.80%
- Sep 18, 20266.80%first recorded
No additional details available.
- Oct 5, 20267.19%▲ from 7.06%
- Oct 2, 20267.06%▼ from 7.19%
- Sep 25, 20267.19%▲ from 6.81%
- Sep 14, 20266.81%first recorded
No additional details available.
- Oct 2, 20267.19%▲ from 7.13%
- Sep 25, 20267.13%▲ from 6.76%
- Sep 17, 20266.76%▲ from 6.63%
- Sep 14, 20266.63%first recorded
No additional details available.
No additional details available.
No additional details available.
- Oct 7, 20267.21%▲ from 7.03%
- Sep 18, 20267.03%first recorded
PURCHASE
- Oct 2, 20267.23%▲ from 7.11%
- Sep 29, 20267.11%▲ from 6.98%
- Sep 25, 20266.98%▲ from 6.86%
- Sep 21, 20266.86%first recorded
No additional details available.
- Oct 1, 20267.23%▲ from 6.71%
- Sep 22, 20266.71%first recorded
No additional details available.
- Oct 1, 20267.23%▲ from 6.71%
- Sep 22, 20266.71%first recorded
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
National Mortgage Rate Trends
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
The national 30-year fixed average mortgage rate rose 0.013 points this week to 7.394%, according to MonitorBankRates trend data.
The national 15-year fixed average mortgage rate rose 0.008 points this week to 6.899%, according to MonitorBankRates trend data.
National Mortgage Rate Forecast, Next 12 Months
Where are U.S. mortgage rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury yield path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for U.S. Home Buyers
Monthly principal & interest on U.S. median home of $303,400 with 20% down, 30-year fixed (U.S. Census Bureau)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (National avg) | 7.394% | $1,680 | — | 25% |
| 6-Month Forecast | 7.394% (7.04–7.69%) | $1,680 | +$0/mo | 25% |
| 12-Month Forecast | 7.644% (7.29–7.94%) | $1,721 | +$42/mo | 25.6% |
Income column = annual mortgage payment as % of U.S. median household income ($80,734). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated composite score measuring how affordable homeownership is nationally. Compiled by MonitorBankRates using housing and income indicators from the U.S. Census Bureau.
What the Score Measures
The MBR-HAI answers a single question: how affordable is homeownership today, relative to the national baseline? Scores update each morning, computed from rate data captured the previous night. The index reflects current homeownership conditions across all 50 states, not estimated rates, not rate sheet averages, and not survey data.
Today's national score of 97.0 reflects current homeownership conditions across the country. The score is positioned against a long-run baseline so readers can quickly gauge whether conditions are more or less affordable than the historical norm.
Scores update each morning, computed from rate data captured the previous night. Compiled by MonitorBankRates using housing and income indicators from the U.S. Census Bureau. Full methodology
How Mortgage Rates Impact Home Affordability in the U.S.
National Housing Market Overview
The median owner-occupied home value in the United States is approximately $303,400, according to the U.S. Census Bureau. The 2026 FHFA conforming loan limit is $832,750 for most counties, with higher limits in designated high-cost areas.
National Homeownership Rate
Monthly Payment Estimates for U.S. Home Buyers
Based on a 20% down payment on the national median home value, a $240,000 loan at current national average rates:
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.894% | 30-year fixed | $1,580 | $328,684 |
| 7.394% Current Avg | 30-year fixed | $1,661 | $357,863 |
| 7.894% | 30-year fixed | $1,743 | $387,600 |
| 6.899% | 15-year fixed | $2,144 | $145,859 |
A 0.500% rate increase on a $240,000 loan adds roughly $83 per month and over $29,737 in total interest over 30 years. That’s why comparing verified rates from multiple lenders, using the table above, is one of the most impactful financial decisions a home buyer can make.
Compiled by MonitorBankRates using data from the U.S. Census Bureau and the Federal Housing Finance Agency. Monthly payments shown are principal & interest only.
U.S. Income & Housing Affordability
At a price-to-income ratio of 3.8x, the national housing market reflects moderate affordability pressure across most regions, though that average masks significant variation between high-cost coastal markets and more affordable interior metros.
What This Means for U.S. Buyers
With a national median household income of $80,734 per year ($6,728/month) and a median home value of approximately $303,400, a typical buyer financing at 80% LTV at current average rates would spend roughly 24.7% of gross monthly income on principal and interest alone. that falls within a manageable range, though taxes, insurance, and PMI will add to the true monthly cost.
Compiled by MonitorBankRates using data from the U.S. Census Bureau. Payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in the U.S.
A mortgage payment is only part of what homeowners pay each month. Property taxes, insurance, and utilities add hundreds of dollars more, and the gap between owning and renting varies dramatically depending on where you live.
Owner vs. Renter Costs
Housing Cost Burden
Nationally, 28% of mortgage holders spend more than 30% of gross household income on housing, the federal threshold for “cost burdened.” For renters, that figure is 47.6%. Nearly one in four renters (24.1%) are severely cost burdened, spending 50% or more of income on rent alone.
These national averages mask significant geographic variation. In high-cost metros like Los Angeles, San Francisco, and New York, owner cost burden rates exceed 40-45%, well above the national norm. In lower-cost markets across the Midwest and South, the same income goes substantially further. Use the state and city pages to see how your specific market compares.
Compiled by MonitorBankRates using data from the U.S. Census Bureau.
Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s rates. The home price is prefilled with the U.S. median home value. Adjust anything, or click a current national rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your Home Loan
Rates are only part of the equation. Use these calculators to translate current national mortgage rates and home loan rates into real numbers for your specific situation, before you request quotes from mortgage lenders.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateEnter your current rate, remaining balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, monthly savings, and the break-even point, the number of months it takes for your savings to cover closing costs.
CalculateBuying isn’t always the better financial decision. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your time horizon.
CalculateTypes of Mortgages Available Nationwide
Not every loan program is right for every buyer. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly. Understanding the differences before you compare lenders can save thousands over the life of your loan.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially with current rates where locking in could protect against future increases.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically. The payment comparison table above shows exactly how those trade-offs look at today’s national rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan.
ARMs work best when you have a defined exit timeline. Rate caps govern how much the rate can move at each adjustment and over the life of the loan, so review those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
FHA loans carry an upfront MIP of 1.75% of the loan amount plus an annual MIP of 0.15%–0.75% depending on term and LTV. For many first-time buyers, FHA is the fastest path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% for first-time VA borrowers with no down payment, which can be financed into the loan.
Jumbo Loan
The 2026 FHFA conforming loan limit is $832,750 for most counties. Any mortgage above that threshold is a jumbo loan, falling outside Fannie Mae and Freddie Mac guidelines, meaning lenders carry the full risk and price it accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700+, substantial cash reserves, and a down payment of at least 10–20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates nationwide directly from the official websites of lenders, banks, and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products across the country. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national online lenders.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because mortgage rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own specific “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you are comparing rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates
What are home loan rates today?
What is a 30-Year Fixed Mortgage?
How does my credit score affect my rate?
What are closing costs?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan?
Do I need a 20% down payment?
What is the difference between Interest Rate and APR?
Can I refinance my mortgage later?
How do I compare mortgage lenders?
How do I get mortgage quotes?
What is the national homeownership rate?
What is the median home value in the United States?
What is the median household income in the United States?
What percentage of homeowners are cost burdened nationally?
What is the median rent in the United States?
What are the best Mortgage rates nationally?
- Advance Financial Federal Credit Union: 5.625% (30-Year Fixed Mortgage)
- Institution for Savings: 5.625% (30 Year Fixed)
- Educational Employees Credit Union: 5.75% (30 Year Fixed Rate Jumbo - Primary Residence)
- Frost Bank: 5.75% (30-year fixed-rate (Income-based) Mortgage)
- Hill District Federal Credit Union: 5.75% (30-Year Fixed Mortgage)
Mortgage Rates & Home Loan Rates by State
