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National Rate Trends

Best 15-Year Fixed Mortgage Rates Today - April 2026 | As Low As 4.75%

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of lenders. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Last Updated: April 27, 2026

Today's 15-year fixed mortgage market includes offers such as HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union1226 College Walk, Aiea, HI 96701A+5.0 ★Texas Ratio: 2.50% offering 15 Year Fixed Rate at 4.75%, and First Priority Credit Union Boston, MAFirst Priority Credit Union Boston, MA100 SWIFT ST, BOSTON, MA 02128 1864A+5.0 ★Texas Ratio: 2.69% offering 15 Year Fixed at 5.25%, and First Citizens Federal Credit UnionFirst Citizens Federal Credit Union1341 COVE RD, East Wareham, MA 02538A+5.0 ★Texas Ratio: 2.23% offering 15-Year Fixed at 5.00%, and Peoples Trust Co. of St. AlbansPeoples Trust Co. of St. Albans1127 Ethan Allen Highway, Enosburg Falls, VT 05450A+5.0 ★Texas Ratio: 3.62% offering 15 Year Fixed Rate at 5.12%, and MembersAlliance Credit UnionMembersAlliance Credit Union2550 S Alpine Rd, Loves Park, IL 61073A+5.0 ★Texas Ratio: 2.78% offering 15 Year Fixed Rate at 4.88%.

A 15-year fixed mortgage dramatically accelerates your payoff timeline and slashes total interest paid compared to a 30-year loan — at the cost of a higher monthly payment. It is one of the most powerful wealth-building moves available to homeowners with stable income, allowing you to build equity faster and pay off your home in half the time.

15-Year Fixed 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: April 27, 2026

Compare 15-Year Fixed Mortgage Rates Today

State:
Today's 15-Year Fixed Rate Context: The national average 15-year fixed mortgage rate is 5.946%, up 0.013% from last week. The table below shows verified 15-year fixed rate offers from banks and credit unions nationwide. Source: Verified Mortgage Rate Data provided by MonitorBankRates.com.
Lender
Product
Term
Rate ▲
APR
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Aiea, HI 96701
15 Year Fixed Rate
4.75%
5.04%
View
▼
Rate4.75%
APR5.04%
Points0.375
UpdatedApr 17, 2026
Details

No additional details available.

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
100 SWIFT ST, BOSTON, MA 02128 1864
15 Year Fixed
5.25%
5.13%
View
▼
Rate5.25%
APR5.13%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1341 COVE RD, East Wareham, MA 02538
15-Year Fixed
15-Year
5.00%
5.14%
View
▼
Rate5.00%
APR5.14%
Points0.000
UpdatedApr 27, 2026
Details

No additional details available.

Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1127 Ethan Allen Highway, Enosburg Falls, VT 05450
15 Year Fixed Rate
5.12%
5.16%
View
▼
Rate5.12%
APR5.16%
Points1.000
UpdatedApr 17, 2026
Details

No additional details available.

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
15 Year Fixed Rate
4.88%
5.18%
View
▼
Rate4.88%
APR5.18%
Points1.000
UpdatedApr 19, 2026
Details

As Low As

Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
159 Colorado St, Muscatine, IA 52761
15-Year Fixed
15 Years
5.25%
5.22%
View
▼
Rate5.25%
APR5.22%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
15-Year Fixed Conforming Home Loan
5.12%
5.24%
View
▼
Rate5.12%
APR5.24%
Points0.000
UpdatedApr 19, 2026
Details

As Low As

Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
Home Loans - Conforming 15-Year Fixed
5.12%
5.24%
View
▼
Rate5.12%
APR5.24%
Points0.000
UpdatedApr 19, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Charlotte, NC 27612
15-Year Fixed
15-Year
5.25%
5.25%
View
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedApr 27, 2026
Details

As Low As; Downpayment as low as 5%

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, DC 20319 0001
Conforming 15 Year Fixed
5.25%
5.27%
View
▼
Rate5.25%
APR5.27%
Points0.125
UpdatedApr 17, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed
15
5.00%
5.29%
View
▼
Rate5.00%
APR5.29%
Points1.500
UpdatedApr 17, 2026
Details

No additional details available.

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, OR 97267
15-Year Fixed
180
5.12%
5.29%
View
▼
Rate5.12%
APR5.29%
Points0.000
UpdatedApr 19, 2026
Details

Fixed 180 Months

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed Rate
15
5.00%
5.31%
View
▼
Rate5.00%
APR5.31%
Points1.500
UpdatedApr 17, 2026
Details

No additional details available.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, New Haven, CT 06511 5301
15 Year Fixed Mortgage
179
5.25%
5.31%
View
▼
Rate5.25%
APR5.31%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
101 Pakaula St, Honolulu, HI 96707
15 Year Fixed Rate
5.00%
5.31%
View
▼
Rate5.00%
APR5.31%
Points1.375
UpdatedApr 17, 2026
Details

No additional details available.

Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
133 N Bridge St, Aberdeen, MD 21001
15 Year Fixed
5.12%
5.32%
View
▼
Rate5.12%
APR5.32%
Points1.000
UpdatedApr 24, 2026
Details

No additional details available.

Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
11899 New Halls Ferry Rd, Ellisville, MO 63011
15 Year Fixed
5.00%
5.32%
View
▼
Rate5.00%
APR5.32%
Points1.250
UpdatedApr 19, 2026
Details

No additional details available.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Riverwood Dr, Bloomington, MN 53110 2611
15-Year Fixed Rate
5.12%
5.32%
View
▼
Rate5.12%
APR5.32%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Fishkill, NY 10566 2801
15 Year Fixed Rate
5.38%
5.33%
View
▼
Rate5.38%
APR5.33%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
1004 N Oak St, Alexandria, LA 70006 5324
Conventional Mortgages - 15 year fixed
15 year fixed
5.25%
5.33%
View
▼
Rate5.25%
APR5.33%
Points0.000
UpdatedApr 26, 2026
Details

No additional details available.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Riverwood Dr, Bloomington, MN 53110 2611
15-Year Fixed Rate Refinance
5.12%
5.35%
View
▼
Rate5.12%
APR5.35%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed
15
5.12%
5.36%
View
▼
Rate5.12%
APR5.36%
Points1.125
UpdatedApr 17, 2026
Details

No additional details available.

JTNB
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Broadway, Jim Thorpe, PA 18229
15 Year Fixed
15 Year Fixed (or 180 monthly payments)
5.25%
5.36%
View
▼
Rate5.25%
APR5.36%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
170 S Rainbow Blvd, Henderson, NV 89014
15-Year Fixed
5.25%
5.36%
View
▼
Rate5.25%
APR5.36%
Points0.000
UpdatedApr 19, 2026
Details

As Low As

Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1008 Fremont St, Bakersfield, CA 93215
15-Year Fixed Rate
5.25%
5.37%
View
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed Rate
15
5.12%
5.38%
View
▼
Rate5.12%
APR5.38%
Points1.125
UpdatedApr 17, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, DC 20319 0001
Conforming 15 Year Fixed
5.38%
5.38%
View
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
13303 Hadley St, MONTEREY PARK, CA 90601
15-Year Fixed-Rate Mortgage
5.38%
5.38%
View
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
1 Hastings St, Bellingham, MA 01756
15 Year Fixed
5.00%
5.38%
View
▼
Rate5.00%
APR5.38%
Points2.000
UpdatedApr 22, 2026
Details

No additional details available.

American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Aiea, HI 96701
15 Year Fixed
5.00%
5.39%
View
▼
Rate5.00%
APR5.39%
Points2.000
UpdatedApr 24, 2026
Details

No additional details available.

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
101 Pakaula St, Honolulu, HI 96707
15 Year Fixed Rate
5.12%
5.40%
View
▼
Rate5.12%
APR5.40%
Points1.125
UpdatedApr 17, 2026
Details

No additional details available.

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
101 Pakaula St, Honolulu, HI 96707
Conventional 1st Mortgage 15 Year Fixed Rate
5.12%
5.40%
View
▼
Rate5.12%
APR5.40%
Points1.125
UpdatedApr 17, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, DC 20319 0001
Super Conforming 15 Year Fixed
5.38%
5.41%
View
▼
Rate5.38%
APR5.41%
Points0.250
UpdatedApr 17, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Baxter Pkwy, Aibonito, AR 00610 9807
15 Year Fixed
15
5.12%
5.42%
View
▼
Rate5.12%
APR5.42%
Points0.875
UpdatedApr 19, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
15 Year Fixed Rate
5.25%
5.42%
View
▼
Rate5.25%
APR5.42%
Points0.000
UpdatedApr 19, 2026
Details

As Low As

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
15 Year Fixed Rate Conventional Mortgages - 5% Down
15 Year
5.25%
5.42%
View
▼
Rate5.25%
APR5.42%
Points0.000
UpdatedApr 19, 2026
Details

As Low As

Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
516 Spring St, Windsor Locks, CT 06096
15 Year Fixed
5.25%
5.42%
View
▼
Rate5.25%
APR5.42%
Points0.000
UpdatedApr 17, 2026
Details

As Low As; 60 DAY LOCK

Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
516 Spring St, Windsor Locks, CT 06096
15 Year Fixed Rate
5.25%
5.42%
View
▼
Rate5.25%
APR5.42%
Points0.000
UpdatedApr 17, 2026
Details

As Low As

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed
15
5.25%
5.42%
View
▼
Rate5.25%
APR5.42%
Points0.750
UpdatedApr 17, 2026
Details

No additional details available.

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1385 Fremont Ave, Blackfoot, ID 83201
15 Year Fixed First Mortgage Loans
15 Year
5.25%
5.43%
View
▼
Rate5.25%
APR5.43%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
134 N Kenwood St, Burbank, CA 90036 3792
15-Year Fixed
5.25%
5.43%
View
▼
Rate5.25%
APR5.43%
Points1.000
UpdatedApr 18, 2026
Details

No additional details available.

Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1306 5th St, Cedar Falls, IA 50266
15 Year Fixed Rate Mortgage Loan
15 Year
5.38%
5.43%
View
▼
Rate5.38%
APR5.43%
Points0.000
UpdatedApr 17, 2026
Details

The rates shown are for the purchase of a primary residence with no points paid.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed Rate
15
5.25%
5.44%
View
▼
Rate5.25%
APR5.44%
Points0.750
UpdatedApr 17, 2026
Details

No additional details available.

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
112 County Rd, Amesbury, MA 01913
15 Year Fixed
5.00%
5.45%
View
▼
Rate5.00%
APR5.45%
Points2.000
UpdatedApr 24, 2026
Details

No additional details available.

JTNB
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Broadway, Jim Thorpe, PA 18229
15 Year Fixed
15 Year Fixed (or 180 monthly payments)
5.25%
5.45%
View
▼
Rate5.25%
APR5.45%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

United Savings Bank Philadelphia, PA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1510 Packer Ave, Broomall, PA 19008
15 Year Fixed
5.38%
5.46%
View
▼
Rate5.38%
APR5.46%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756
15-YEAR FIXED
5.12%
5.47%
View
▼
Rate5.12%
APR5.47%
Points1.000
UpdatedApr 19, 2026
Details

No additional details available.

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1010 Bayshore Rd, Cape May, NJ 08204
15 Year Fixed Rate
15 years
5.38%
5.47%
View
▼
Rate5.38%
APR5.47%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
101 Pakaula St, Honolulu, HI 96707
15 Year Fixed Rate
5.25%
5.47%
View
▼
Rate5.25%
APR5.47%
Points0.750
UpdatedApr 17, 2026
Details

No additional details available.

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
101 Pakaula St, Honolulu, HI 96707
Conventional 1st Mortgage 15 Year Fixed Rate
5.25%
5.47%
View
▼
Rate5.25%
APR5.47%
Points0.750
UpdatedApr 17, 2026
Details

No additional details available.

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
1 Hastings St, Bellingham, MA 01756
15 Year Fixed
5.25%
5.47%
View
▼
Rate5.25%
APR5.47%
Points1.000
UpdatedApr 22, 2026
Details

No additional details available.

SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
134 N Kenwood St, Burbank, CA 90036 3792
15-Year Fixed
5.45%
5.48%
View
▼
Rate5.45%
APR5.48%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
1560 Garrett Rd, Aston, DE 19014 1862
15 Year Fixed
5.38%
5.49%
View
▼
Rate5.38%
APR5.49%
Points0.000
UpdatedApr 25, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed
15
5.38%
5.49%
View
▼
Rate5.38%
APR5.49%
Points0.375
UpdatedApr 17, 2026
Details

No additional details available.

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
1100 NE Weidler St, Albany, OR 97005
15 year fixed rate
15 year
5.38%
5.50%
View
▼
Rate5.38%
APR5.50%
Points0.250
UpdatedApr 19, 2026
Details

No additional details available.

Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC 27870
15 Year Fixed Conventional Primary Home
15
5.12%
5.50%
View
▼
Rate5.12%
APR5.50%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, DC 20319 0001
Super Conforming 15 Year Fixed
5.50%
5.50%
View
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12104 Shelbyville Rd, Lexington, KY 40202
15 Year Fixed
15 Year
5.50%
5.50%
View
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedApr 19, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
1100 NE Weidler St, Albany, OR 97005
15 year fixed rate
5.38%
5.50%
View
▼
Rate5.38%
APR5.50%
Points0.250
UpdatedApr 19, 2026
Details

No additional details available.

Milford Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
142 Temple Street Suite 306, Milford, CT 06460
15 Year Fixed
5.00%
5.51%
View
▼
Rate5.00%
APR5.51%
Points2.000
UpdatedApr 17, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed Rate
15
5.38%
5.51%
View
▼
Rate5.38%
APR5.51%
Points0.375
UpdatedApr 17, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756
15-YEAR FIXED
5.25%
5.51%
View
▼
Rate5.25%
APR5.51%
Points0.500
UpdatedApr 19, 2026
Details

No additional details available.

Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
100 COMMUNITY LOOP, Arroyo Grande, CA 93401 4084
15-Year Fixed
5.38%
5.52%
View
▼
Rate5.38%
APR5.52%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Hilo, GU 96720
15 Year Fixed Rate
5.00%
5.53%
View
▼
Rate5.00%
APR5.53%
Points2.000
UpdatedApr 24, 2026
Details

A $200,000.00 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 180 principal and interest monthly payments of $1,581.59 based on a 15 Year Fixed Rate at 5.000%.

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1000 N Walnut Creek Dr, Addison, TX 75001
15-year fixed-rate
5.38%
5.53%
View
▼
Rate5.38%
APR5.53%
Points0.000
UpdatedApr 22, 2026
Details

No additional details available.

Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ 85004
Mortgage Refi 15 Year Fixed Rate
5.25%
5.54%
View
▼
Rate5.25%
APR5.54%
Points1.125
UpdatedApr 19, 2026
Details

No additional details available.

Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1127 Ethan Allen Highway, Enosburg Falls, VT 05450
15 Year Fixed Rate
5.50%
5.54%
View
▼
Rate5.50%
APR5.54%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
109 SYCAMORE ST, Avon, CT 06001 2520
15-Year Fixed
5.38%
5.54%
View
▼
Rate5.38%
APR5.54%
Points0.000
UpdatedApr 22, 2026
Details

As Low As; Loan Amount: Any

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ 07052
15 Year Fixed
15 Years
5.00%
5.54%
View
▼
Rate5.00%
APR5.54%
Points3.000
UpdatedApr 24, 2026
Details

No additional details available.

Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ 85004
Mortgage Purchase 15 Year Fixed Rate
5.25%
5.55%
View
▼
Rate5.25%
APR5.55%
Points1.125
UpdatedApr 19, 2026
Details

No additional details available.

United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
200 S LAUREL AVE, HAZLET, NJ 07724
15-Year Fixed Mortgage
15-Year
5.50%
5.55%
View
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Fair Oaks, CA 95628 3539
15 Year Fixed
15 Year
5.25%
5.55%
View
▼
Rate5.25%
APR5.55%
Points1.000
UpdatedApr 19, 2026
Details

No additional details available.

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Fair Oaks, CA 95628 3539
First Mortgage 15 Year Fixed
15 Year
5.25%
5.55%
View
▼
Rate5.25%
APR5.55%
Points1.000
UpdatedApr 19, 2026
Details

No additional details available.

One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
Refi 15 Year Fixed
5.50%
5.56%
View
▼
Rate5.50%
APR5.56%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
1 Main St, Amherst, MA 01002
15-Year Fixed-Rate
5.50%
5.56%
View
▼
Rate5.50%
APR5.56%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed
15
5.50%
5.56%
View
▼
Rate5.50%
APR5.56%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Ambler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1120 Meetinghouse Rd, Ambler, PA 19002
15 Year Fixed
15 Year
5.38%
5.56%
View
▼
Rate5.38%
APR5.56%
Points0.125
UpdatedApr 24, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756
15-YEAR FIXED
5.38%
5.56%
View
▼
Rate5.38%
APR5.56%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
100 W 200 N, Helper, UT 84066 5004
Home Loans 15-year Fixed
5.25%
5.57%
View
▼
Rate5.25%
APR5.57%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

DMB Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10 Terrace Ct, Deforest, WI 53532
15 Year Fixed Rate Program
15 years
5.50%
5.57%
View
▼
Rate5.50%
APR5.57%
Points0.000
UpdatedApr 24, 2026
Details

Serviced by DMB; Updated 04/23/2026

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1000 Easton Rd, Bensalem, NJ 08012 1497
15-Year Fixed Rate
15
5.50%
5.58%
View
▼
Rate5.50%
APR5.58%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1080 Enterprise Way Ste 150, Cupertino, CA 94022 3618
15-Year Fixed-Rate Mortgage
5.50%
5.58%
View
▼
Rate5.50%
APR5.58%
Points0.000
UpdatedApr 19, 2026
Details

APR Jumbo

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1001 S 1200 W, Albuquerque, AZ 83440
15 Year Fixed
5.38%
5.58%
View
▼
Rate5.38%
APR5.58%
Points0.375
UpdatedApr 18, 2026
Details

As Low As

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
101 Tillson Avenue Ext, Albany, NY 10509
15-Year Fixed Rate
5.50%
5.58%
View
▼
Rate5.50%
APR5.58%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
10202 Washington Blvd, Burbank, CA 90038 3989
15 YEAR FIXED
5.50%
5.59%
View
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, OR 97267
15-Year Fixed
180
5.25%
5.59%
View
▼
Rate5.25%
APR5.59%
Points0.000
UpdatedApr 19, 2026
Details

Fixed 180 Months; Interest only payments during construction

North Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
10539 W National Ave, Appleton, IL 53005
15-Year Fixed Service Released
5.49%
5.59%
View
▼
Rate5.49%
APR5.59%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1005 South St, Norfolk, MA 02056
15 Year Fixed (Conforming)
5.50%
5.59%
View
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1 Mount Baldy Dr, Aurora, CO 80011 7809
15-Year Fixed-Rate
5.50%
5.59%
View
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
10066 Pacific Heights Blvd Ste 104, Carlsbad, CA 91910
15-Year Fixed Rate Mortgage
15-year
5.50%
5.59%
View
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Van Rensselaer Sq, Albany, NY 12009 9900
15-year Fixed
5.38%
5.59%
View
▼
Rate5.38%
APR5.59%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1 Hyatt St, Avenel, NJ 07001
15 Year Fixed Rate
5.50%
5.59%
View
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Main Street Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1010 Commerce St, Moundsville, OH 26003
15 Year Fixed
5.25%
5.60%
View
▼
Rate5.25%
APR5.60%
Points0.375
UpdatedApr 17, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
1 Main St, Amherst, MA 01002
15-Year Fixed-Rate
5.38%
5.60%
View
▼
Rate5.38%
APR5.60%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Belton, TX 76501 7603
15-year Fixed Purchase
5.38%
5.60%
View
▼
Rate5.38%
APR5.60%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Schuyler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
201 Frank E Rodgers Blvd N, Harrison, NJ 07029
15 Year Fixed Rate
5.50%
5.61%
View
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Cloverbelt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
110 McIndoe St, Wausau, WI 54401
15 Year Fixed Rate
180
5.50%
5.61%
View
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Milford Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
142 Temple Street Suite 306, Milford, CT 06460
15 Year Fixed
5.25%
5.61%
View
▼
Rate5.25%
APR5.61%
Points1.000
UpdatedApr 17, 2026
Details

No additional details available.

Canton Co-operative Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.05%
671 Washington St, Canton, MA 02021
15 Year Fixed Rate
5.50%
5.61%
View
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Cincinnatus S&L Co.
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
1100 Harrison Ave, Cincinnati, OH 45030
15 Year Fixed Rate
5.50%
5.61%
View
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
11838 Joseph Campau St, Hamtramck, MI 48091 4073
USMFCU 15 Year Fixed Mortgage
5.38%
5.62%
View
▼
Rate5.38%
APR5.62%
Points0.000
UpdatedApr 25, 2026
Details

No additional details available.

Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1050 Admiral Ct Ste F, Berkeley, CA 94015
15-Year Fixed
15
5.50%
5.62%
View
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedApr 19, 2026
Details

$50,000 to $832,750

Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1100 8th Ave, Alburnett, IA 52202
15-Year Fixed
180
5.50%
5.62%
View
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedApr 22, 2026
Details

No additional details available.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA 50111
Purchase: 15-Year Fixed Conventional
5.50%
5.62%
View
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1117 S 10th St, Manitowoc, WI 53081
15 Year Fixed (180 months)
180
5.50%
5.62%
View
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedApr 19, 2026
Details

As Low As

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
112 Boston Ave, Bethel, CT 06468
15 Year Fixed Rate
5.50%
5.62%
View
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
1 Main St, Amherst, MA 01002
15-Year Fixed-Rate
5.25%
5.63%
View
▼
Rate5.25%
APR5.63%
Points1.000
UpdatedApr 17, 2026
Details

No additional details available.

Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
11899 New Halls Ferry Rd, Ellisville, MO 63011
15 Year Fixed
5.50%
5.63%
View
▼
Rate5.50%
APR5.63%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
150 Old Tower Hill Rd, Bristol, RI 02809
15 Year Fixed Rate
5.50%
5.63%
View
▼
Rate5.50%
APR5.63%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ 07052
15 Year Fixed
15 Years
5.25%
5.64%
View
▼
Rate5.25%
APR5.64%
Points2.000
UpdatedApr 24, 2026
Details

No additional details available.

Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1200 Associates Dr, Burlington, IA 52001
15-year Fixed
5.50%
5.65%
View
▼
Rate5.50%
APR5.65%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
1811 El Camino Real, Burlingame, CA 94010
Conforming 15 Year Fixed Rate
15 Years
5.50%
5.65%
View
▼
Rate5.50%
APR5.65%
Points0.000
UpdatedApr 27, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
1 Montauk Hwy, Astoria, FL 07024
15 Year Fixed
5.50%
5.65%
View
▼
Rate5.50%
APR5.65%
Points0.000
UpdatedApr 22, 2026
Details

No additional details available.

Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
101 N Columbia Ave, La Salle, IL 61301
15 Year Fixed Rate
15 Years
5.50%
5.66%
View
▼
Rate5.50%
APR5.66%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
1 Main St, Amherst, MA 01002
15-Year Fixed-Rate
5.12%
5.66%
View
▼
Rate5.12%
APR5.66%
Points2.000
UpdatedApr 17, 2026
Details

No additional details available.

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
104 McCall Rd, Andover, KS 66049 4869
15 Year Fixed
5.50%
5.66%
View
▼
Rate5.50%
APR5.66%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

Savings Bank Circleville, OH
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1104 Eagleton Blvd, Ashville, OH 43103
15-Year Fixed Mortgage
5.50%
5.66%
View
▼
Rate5.50%
APR5.66%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
1008 W Bell Ave Ste 103, Albia, IA 50022 1128
15 Year Fixed
5.50%
5.67%
View
▼
Rate5.50%
APR5.67%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1080 Enterprise Way Ste 150, Cupertino, CA 94022 3618
15-Year Fixed-Rate Mortgage
5.50%
5.67%
View
▼
Rate5.50%
APR5.67%
Points0.000
UpdatedApr 19, 2026
Details

APR Conforming

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
100 Forbes Blvd, Brockton, MA 02032 1018
15 Year Fixed
5.62%
5.67%
View
▼
Rate5.62%
APR5.67%
Points1.000
UpdatedApr 19, 2026
Details

No additional details available.

Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
100 N Main St, Fort Atkinson, WI 53094
Rapid Refinance Mortgage 15-Year Fixed Rate
15-Year
5.62%
5.67%
View
▼
Rate5.62%
APR5.67%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
100 Metro Blvd, Burlington, NC 07110
15-Year Fixed
15-Year Term
5.38%
5.67%
View
▼
Rate5.38%
APR5.67%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1105 Summer St, Andover, MA 01810
15-Year Fixed
15 Years
5.38%
5.67%
View
▼
Rate5.38%
APR5.67%
Points1.000
UpdatedApr 24, 2026
Details

No additional details available.

Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
1 Mercedes Dr, Birmingham, AL 32507 8703
15 Year Fixed, First Mortgage
5.50%
5.68%
View
▼
Rate5.50%
APR5.68%
Points0.500
UpdatedApr 18, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1 Carmichael St, Barre, VT 05401 4441
15 Year Fixed Rate
5.50%
5.68%
View
▼
Rate5.50%
APR5.68%
Points0.000
UpdatedApr 27, 2026
Details

No additional details available.

California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
1060 University Ave Ste A101, Chula Vista, CA 91910 7487
15-year Fixed
15
5.50%
5.68%
View
▼
Rate5.50%
APR5.68%
Points0.375
UpdatedApr 19, 2026
Details

No additional details available.

CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
125 Boston Post Rd, Bozrah, CT 06333
15 Year Fixed Conventional FNMA
15 Year
5.45%
5.68%
View
▼
Rate5.45%
APR5.68%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
1336 E Main St, Ansonia, CT 06032
15 Year Fixed
5.50%
5.68%
View
▼
Rate5.50%
APR5.68%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
114 W 5th St, Arkansas City, KS 66049
15 Year Fixed Rate
5.50%
5.69%
View
▼
Rate5.50%
APR5.69%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1662 W Orange Blossom Trl, Apopka, FL 32712 2641
15 Year Fixed
15 Year
5.50%
5.69%
View
▼
Rate5.50%
APR5.69%
Points0.000
UpdatedApr 19, 2026
Details

As Low As

Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
1 Hastings St, Bellingham, MA 01756
15 Year Fixed
5.62%
5.70%
View
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedApr 22, 2026
Details

No additional details available.

Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
10169 S Parker Rd, Arvada, CO 80003
15-Year Fixed - Purchase
5.62%
5.70%
View
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
473 E Division St, Dowagiac, MI 49047 1541
15 Year Fixed-Rate Purchase
5.50%
5.70%
View
▼
Rate5.50%
APR5.70%
Points-0.125
UpdatedApr 18, 2026
Details

No additional details available.

Emigrant Bank New York, NY
Institution Rating:
B+4.7 ★Texas Ratio: 18.61%
13 Croton Ave, New York, NY 10017
15 Year Fixed
5.62%
5.70%
View
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Marion Center Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.35%
106 W Main St, Big Run, PA 15701
15 Year Fixed: Purchase/Refinance
5.65%
5.70%
View
▼
Rate5.65%
APR5.70%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
1010 Moore St, Allegan, MI 49002
15 Year Fixed
5.50%
5.70%
View
▼
Rate5.50%
APR5.70%
Points0.500
UpdatedApr 19, 2026
Details

As Low As

UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1 Professional Plz, Alton, FL 34103
15 Year Fixed Rate
5.62%
5.70%
View
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedApr 16, 2026
Details

No additional details available.

University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
115 W Oklahoma Ave, Elm Grove, WI 53066
15-Year Fixed Rate Purchase
5.62%
5.70%
View
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedApr 19, 2026
Details

As Low As

Mercantile Bank, div of United Community Bank National
15 Year Fixed Rate
5.62%
5.70%
View
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedApr 22, 2026
Details

As Low As; Apply Now

FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
10903 New Hampshire Ave, Silver Spring, MD 20903 1058
Conventional 15-Year Fixed Rate
5.26%
5.71%
View
▼
Rate5.26%
APR5.71%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD 21001 1733
15 Year Fixed
5.50%
5.71%
View
▼
Rate5.50%
APR5.71%
Points0.250
UpdatedApr 17, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
1 Carmichael St, Barre, VT 05401 4441
15 Year Fixed Rate
5.38%
5.71%
View
▼
Rate5.38%
APR5.71%
Points1.000
UpdatedApr 27, 2026
Details

No additional details available.

Milford Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
142 Temple Street Suite 306, Milford, CT 06460
15 Year Fixed
5.50%
5.71%
View
▼
Rate5.50%
APR5.71%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
100 Forbes Blvd, Brockton, MA 02032 1018
15 Year Fixed
5.62%
5.71%
View
▼
Rate5.62%
APR5.71%
Points1.000
UpdatedApr 19, 2026
Details

No additional details available.

Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
1116 S 14th St, Bettendorf, IA 52722
Fixed Rate Mortgage - 15 Year Fixed Rate
5.62%
5.72%
View
▼
Rate5.62%
APR5.72%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 10547
Conventional 15 Year Fixed
5.50%
5.72%
View
▼
Rate5.50%
APR5.72%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Fishkill, NY 10566 2801
Biweekly 15 Year Fixed
5.75%
5.72%
View
▼
Rate5.75%
APR5.72%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
505 King Ave, Columbus, OH 43016 3248
15 Year Fixed
180
5.50%
5.72%
View
▼
Rate5.50%
APR5.72%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

The Bank of New Glarus
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
1101 Hwy 69, Belleville, WI 53508
15 Year Fixed
5.62%
5.72%
View
▼
Rate5.62%
APR5.72%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
100 Quincy Ave, Marshfield, MA 02050
15 Year Fixed Rate
5.38%
5.73%
View
▼
Rate5.38%
APR5.73%
Points2.000
UpdatedApr 19, 2026
Details

No additional details available.

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1040 Southpark Blvd, Boone, NC 27012
15-Year Fixed
5.55%
5.73%
View
▼
Rate5.55%
APR5.73%
Points1.000
UpdatedApr 17, 2026
Details

No additional details available.

Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
409 Amherst St, Bedford, NH 03063
15 Year Fixed
5.25%
5.73%
View
▼
Rate5.25%
APR5.73%
Points2.000
UpdatedApr 18, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ 07052
15 Year Fixed
15 Years
5.50%
5.73%
View
▼
Rate5.50%
APR5.73%
Points1.000
UpdatedApr 24, 2026
Details

No additional details available.

Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
10 Western Ave, Berwick, ME 03801
15 Year Fixed Rate-Servicing Released
5.62%
5.74%
View
▼
Rate5.62%
APR5.74%
Points0.000
UpdatedApr 24, 2026
Details

Information based on a mortgage loan to purchase a single-family primary residence located in Maine, with a 60 day rate lock period. APR calculation assumes a $285,000 loan to borrower(s) with excellent credit (including minimum credit score of 770), with a 50% down payment. The estimated monthly payment schedule for this loan would be: 179 payments of $2,347.64 at an interest rate of 5.625%; 1 payment of $2,346.29 at an interest rate of 5.625%. Hazard and, if applicable, flood insurance required. Payments do not include amounts to be held in escrow for taxes and insurance premiums, including mortgage insurance (if applicable); your actual payment obligation may be greater. Information provided is for illustrative purposes. Your actual rate and payment will depend on various factors, including loan product, loan amount, credit profile, property value, occupancy and other factors. This is not a commitment to lend. Rates, terms and fees subject to change without notice.

Mass Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
1250 Hancock St, Everett, MA 02127
15 Year Fixed Rate Mortgage Loans & Refinancing
15
5.62%
5.74%
View
▼
Rate5.62%
APR5.74%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
100 Quincy Ave, Marshfield, MA 02050
15 Year Fixed
5.38%
5.74%
View
▼
Rate5.38%
APR5.74%
Points2.000
UpdatedApr 19, 2026
Details

No additional details available.

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
1000 W Rhode Island Ave, Cape Canaveral, FL 32119
First Mortgage 15 Year Fixed
15 Year
5.38%
5.74%
View
▼
Rate5.38%
APR5.74%
Points1.000
UpdatedApr 19, 2026
Details

No additional details available.

Thomaston Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
120 Farmington Ave, Bethlehem, CT 06010
15 Year Fixed Rate Mortgage
5.50%
5.74%
View
▼
Rate5.50%
APR5.74%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

The Peoples Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Ernie Drive, Arena, WI 53503
15 Year Fixed Rate
5.62%
5.75%
View
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedApr 22, 2026
Details

No additional details available.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA 50111
Refinance: 15-Year Fixed Conventional
5.62%
5.75%
View
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
109 SYCAMORE ST, Avon, CT 06001 2520
15-Year Fixed
121 - 180 Months
5.75%
5.75%
View
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedApr 22, 2026
Details

No additional details available.

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2213 W White Oaks Dr, Springfield, IL 62702
15-Year Fixed
5.50%
5.75%
View
▼
Rate5.50%
APR5.75%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
1360 Route 9, Freehold, NJ 07728
15 Year Fixed Conforming
15 Year
5.62%
5.75%
View
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Gouverneur S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
12084 State Route 12e, Alexandria Bay, NY 13607
15 Year Fixed
5.75%
5.75%
View
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Scotiabank Building Cardinal Avenue 3rd Floor, George Town, 00000
15-Year Fixed Rate
5.62%
5.76%
View
▼
Rate5.62%
APR5.76%
Points0.375
UpdatedApr 22, 2026
Details

Rates effective as of 04/22/2026 9:08 AM CT and subject to change at anytime.

TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11121 Fountains Dr, Bloomington, MN 55014 1778
15 Year Fixed
5.38%
5.76%
View
▼
Rate5.38%
APR5.76%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
10618 E Sprague Ave, Airway Heights, ID 83814 2681
15-year Fixed
5.50%
5.76%
View
▼
Rate5.50%
APR5.76%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
19 Church St, Winchester, MA 01801
15 Year Fixed
180
5.75%
5.77%
View
▼
Rate5.75%
APR5.77%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Liberty Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1018 W Touhy Ave, Chicago, IL 60068
15-Year Fixed
5.62%
5.77%
View
▼
Rate5.62%
APR5.77%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR 97031 1961
15 Year Fixed Rate
5.62%
5.77%
View
▼
Rate5.62%
APR5.77%
Points0.500
UpdatedApr 17, 2026
Details

No additional details available.

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Bradenton, FL 33556 3494
15 Year Fixed Rate
5.62%
5.78%
View
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Fair Oaks, CA 95628 3539
15 Year Fixed
15 Year
5.62%
5.78%
View
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Fair Oaks, CA 95628 3539
First Mortgage 15 Year Fixed
15 Year
5.62%
5.78%
View
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN 55920
15 Year Fixed
15 years
5.65%
5.78%
View
▼
Rate5.65%
APR5.78%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
170 Bluestone Dr, Alexandria, DC 20548 0001
Made to Match - 15 Year Fixed
5.62%
5.78%
View
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1 Officer Manny Familia Way, Worcester, MA 01605
15 Year Fixed
5.62%
5.78%
View
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
15 Year Fixed
15
5.62%
5.78%
View
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedApr 17, 2026
Details

20%

PNB of Kewanee
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
109 W Maple Ave, Annawan, IL 60420
15 Year Fixed mortgages
5.50%
5.79%
View
▼
Rate5.50%
APR5.79%
Points0.000
UpdatedApr 17, 2026
Details

As Low As

Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
1029 Pittsburgh Ave, Erie, PA 16417 1122
15 Year Fixed Rate Primary Residence
5.50%
5.79%
View
▼
Rate5.50%
APR5.79%
Points0.250
UpdatedApr 19, 2026
Details

No additional details available.

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, AZ 86403
15-Year Fixed
5.75%
5.79%
View
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Greenville National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
100 E Main St, Ansonia, IN 45303
15 Year Fixed Rate
5.62%
5.79%
View
▼
Rate5.62%
APR5.79%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
100 Joseph Dr, Bay City, MI 48603
15 Year Fixed Mortgage
15 Year
5.62%
5.79%
View
▼
Rate5.62%
APR5.79%
Points0.000
UpdatedApr 18, 2026
Details

As Low As

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
107 Leroy Bowen Dr, Bedford, VA 24012 7209
15 Year Fixed Refinance
5.50%
5.80%
View
▼
Rate5.50%
APR5.80%
Points0.750
UpdatedApr 19, 2026
Details

No additional details available.

Marathon Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
11315 N Cedarburg Rd, Brookfield, WI 53045
15 Year Fixed
5.62%
5.80%
View
▼
Rate5.62%
APR5.80%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
113 Broyles Dr, Abingdon, TN 24202
15 Year Fixed
5.38%
5.80%
View
▼
Rate5.38%
APR5.80%
Points1.000
UpdatedApr 19, 2026
Details

No additional details available.

Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
13602 E 14 Mile Rd, Ann Arbor, MI 48017
15 Year Fixed
15 Year
5.62%
5.81%
View
▼
Rate5.62%
APR5.81%
Points0.239
UpdatedApr 19, 2026
Details

As Low As

Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
13602 E 14 Mile Rd, Ann Arbor, MI 48017
15 Year Fixed-Rate Mortgage
15 Year
5.62%
5.81%
View
▼
Rate5.62%
APR5.81%
Points0.239
UpdatedApr 19, 2026
Details

No additional details available.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
1008 W Bell Ave Ste 103, Albia, IA 50022 1128
15 Year Fixed
5.62%
5.81%
View
▼
Rate5.62%
APR5.81%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Northwest Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
100 Battistoni Rd, Avon, CT 06001
15 Year Fixed
5.62%
5.81%
View
▼
Rate5.62%
APR5.81%
Points0.000
UpdatedApr 22, 2026
Details

No additional details available.

Guardian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1025 Milwaukee Ave, Menomonee Falls, WI 53051 8009
15 Year Fixed Rate
5.75%
5.81%
View
▼
Rate5.75%
APR5.81%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1400 W Raymond St, Indianapolis, IN 46202
15-Year Fixed
180
5.75%
5.81%
View
▼
Rate5.75%
APR5.81%
Points0.000
UpdatedApr 27, 2026
Details

No additional details available.

Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Hammond, FL 32202
15 year fixed
5.62%
5.82%
View
▼
Rate5.62%
APR5.82%
Points0.250
UpdatedApr 19, 2026
Details

As Low As

Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
100 Quincy Ave, Marshfield, MA 02050
15 Year Fixed Rate
5.62%
5.82%
View
▼
Rate5.62%
APR5.82%
Points1.000
UpdatedApr 19, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL 62002
15 Year Fixed
5.50%
5.82%
View
▼
Rate5.50%
APR5.82%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL 62002
15 Year Fixed First Mortgage Loan
15
5.50%
5.82%
View
▼
Rate5.50%
APR5.82%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL 62002
15 Year Fixed First Mortgage Loans
5.50%
5.82%
View
▼
Rate5.50%
APR5.82%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
1119 S Lincoln Ave, Alton, IL 62002
First Mortgage Loans 15 Year Fixed
5.50%
5.82%
View
▼
Rate5.50%
APR5.82%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1130 CLEAVER RD, BAD AXE, MI 48304 1187
15 Year Fixed
15 Year
5.62%
5.82%
View
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, AZ 86403
15-Year Fixed
5.75%
5.83%
View
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
409 Amherst St, Bedford, NH 03063
15 Year Fixed
5.50%
5.83%
View
▼
Rate5.50%
APR5.83%
Points1.000
UpdatedApr 18, 2026
Details

No additional details available.

Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.30%
1105 N Dutton Ave, Clearlake, CA 94559 1047
15 Year Fixed Mortgage Loans Purchase
5.75%
5.83%
View
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

InFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1007 Georges Station Rd, Blairsville, PA 15601
15 Year Fixed Rate Portfolio Mortgage
5.63%
5.83%
View
▼
Rate5.63%
APR5.83%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

InFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1007 Georges Station Rd, Blairsville, PA 15601
15 Year Fixed Rate Portfolio Mortgage*
5.63%
5.83%
View
▼
Rate5.63%
APR5.83%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
1000 W Rhode Island Ave, Cape Canaveral, FL 32119
First Mortgage 15 Year Fixed
15 Year
5.62%
5.83%
View
▼
Rate5.62%
APR5.83%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Central State Bank Clayton, IL
Institution Rating:
B-4.3 ★Texas Ratio: 23.94%
100 W Main St, Clayton, IL 62301
15 Year Fixed Rate
5.75%
5.84%
View
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ 07052
15 Year Fixed
15 Years
5.75%
5.84%
View
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
100 Quincy Ave, Marshfield, MA 02050
15 Year Fixed
5.62%
5.84%
View
▼
Rate5.62%
APR5.84%
Points1.000
UpdatedApr 19, 2026
Details

No additional details available.

HSBC Trust Company (Delaware)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
300 Delaware Ave Ste 1401, Wilmington, DE 19801
15 Year Fixed Rate
5.75%
5.84%
View
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1 Commerce St, Hyde Park, NY 10941
15 Year Fixed
15
5.62%
5.85%
View
▼
Rate5.62%
APR5.85%
Points0.875
UpdatedApr 19, 2026
Details

No additional details available.

Marion Center Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.35%
106 W Main St, Big Run, PA 15701
15 Year Fixed: Construction
5.65%
5.85%
View
▼
Rate5.65%
APR5.85%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Methuen Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
243 Broadway, Methuen, MA 01844
15 Year Fixed Rate Mortgage
5.75%
5.85%
View
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedApr 16, 2026
Details

No additional details available.

First National Bank of Orwell
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
2936 Vt Route 22a, Orwell, VT 05760
15 Year Fixed Rate
5.75%
5.85%
View
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1 1 Chonro 9 Ka Chongro Ku, Buenos Aires, 00000
15 Year Fixed Rate
5.75%
5.85%
View
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedApr 22, 2026
Details

No additional details available.

CO-OP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
100 E Main St, Black River Falls, WI 54603 2354
15 Year Fixed Rate (Secondary Market)
5.75%
5.85%
View
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
130 Sunrise Ave, Elk Grove, CA 95356 0542
15-Year Fixed(3)
5.65%
5.86%
View
▼
Rate5.65%
APR5.86%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1009 New Haven Rd, Avon, CT 01028
15 Year Fixed Mortgage
5.75%
5.87%
View
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Lebanon, IL 62254
15 Year Fixed Rate/ 10-Year Amort
5.75%
5.87%
View
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Wallkill Valley Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
12 Main St, Highland Falls, NY 10928
15 Year Fixed Conforming *
15 Years
5.75%
5.88%
View
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
1010 Moore St, Allegan, MI 49002
15 Year Fixed
5.75%
5.88%
View
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedApr 19, 2026
Details

As Low As

Better Banks
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
10045 West Lancelot Drive, Astoria, IL 61491
15 Year Fixed
5.75%
5.88%
View
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedApr 24, 2026
Details

As Low As

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA 98501
15-Year Fixed
15
5.62%
5.88%
View
▼
Rate5.62%
APR5.88%
Points1.000
UpdatedApr 17, 2026
Details

No additional details available.

OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1 Denso Rd, Bangor, MI 49001
Conventional 15 Year Fixed
5.62%
5.88%
View
▼
Rate5.62%
APR5.88%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

Vinton County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1 Main St, Ashville, OH 43062
15 Year Fixed Rate
5.75%
5.88%
View
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedApr 22, 2026
Details

No additional details available.

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24081 Ne State Route 3, Belfair, WA 98501
15-Year Fixed 80% Max LTV (Owner Occupied)
15-Year
5.62%
5.89%
View
▼
Rate5.62%
APR5.89%
Points1.000
UpdatedApr 17, 2026
Details

No additional details available.

Peoples State Bank Ellettsville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
123 S College Ave, Bloomington, IN 46032
15 Year Fixed
5.75%
5.89%
View
▼
Rate5.75%
APR5.89%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Securityplus Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.49%
1514 Woodlawn Dr, Baltimore, MD 21117 3604
15-Year Fixed
5.50%
5.90%
View
▼
Rate5.50%
APR5.90%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2440 Market St NE Ste 901, Alexandria, DC 20018
15 Year Fixed
5.75%
5.91%
View
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
1 Campus Center Way, Amherst, MA 01003
15 Year Fixed
5.75%
5.91%
View
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
100 W Church St, Bossier City, AR 71019
15 Year Fixed
5.75%
5.91%
View
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

Piney Hills Federal Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
2735 Martha St, Simsboro, LA 71275
15 Year Fixed
5.75%
5.91%
View
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Charlotte, NC 28052
15 Year Fixed
5.75%
5.91%
View
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
4029 W Tilghman St, Allentown, PA 18104
15-Year Fixed Conventional Mortgage
5.62%
5.91%
View
▼
Rate5.62%
APR5.91%
Points0.000
UpdatedApr 22, 2026
Details

No additional details available.

Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1155 S Elizabeth ST, Mt Pleasant, MI 48858
15-Year Fixed
5.75%
5.92%
View
▼
Rate5.75%
APR5.92%
Points0.000
UpdatedApr 18, 2026
Details

As Low As

Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
100 Quincy Ave, Marshfield, MA 02050
15 Year Fixed Rate
5.88%
5.92%
View
▼
Rate5.88%
APR5.92%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
100 Forbes Blvd, Brockton, MA 02032 1018
15 Year Fixed
5.88%
5.92%
View
▼
Rate5.88%
APR5.92%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
104 Raritan Ave, Bethlehem, NJ 07024
Conforming 15 Year Fixed
5.88%
5.92%
View
▼
Rate5.88%
APR5.92%
Points0.000
UpdatedApr 22, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Atwood Pl, Bronx, CT 01824 3629
15 Year Fixed
5.88%
5.92%
View
▼
Rate5.88%
APR5.92%
Points0.000
UpdatedApr 19, 2026
Details

As Low As

USAlliance Financial National
15 Year Fixed
5.88%
5.92%
View
▼
Rate5.88%
APR5.92%
Points0.000
UpdatedApr 22, 2026
Details

No additional details available.

Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.30%
1105 N Dutton Ave, Clearlake, CA 94559 1047
15 Year Fixed Mortgage Loans Purchase
5.88%
5.92%
View
▼
Rate5.88%
APR5.92%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1 Courthouse Way, Bedford, CA 01434
15-Year Fixed
5.62%
5.93%
View
▼
Rate5.62%
APR5.93%
Points0.000
UpdatedApr 25, 2026
Details

Rates As Low As

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1008 N Bridge St, Aurora, IL 60505 1511
15 Year Fixed
15
5.62%
5.93%
View
▼
Rate5.62%
APR5.93%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Quincy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
100 Quincy Ave, Marshfield, MA 02050
15 Year Fixed
5.88%
5.93%
View
▼
Rate5.88%
APR5.93%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

JVB Juniata Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
1 E Market St, Burnham, PA 16743
15 Year Fixed
5.89%
5.93%
View
▼
Rate5.89%
APR5.93%
Points0.000
UpdatedApr 24, 2026
Details

Estimated Closing Costs: $5,960

Mound City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1100 Springdale St, Belmont, WI 53510
15 Year Fixed
5.88%
5.94%
View
▼
Rate5.88%
APR5.94%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Dominion Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1100 Boulders Pkwy Ste 601, Glen Allen, VA 23060 3308
15 Year Fixed Rate
5.75%
5.94%
View
▼
Rate5.75%
APR5.94%
Points0.125
UpdatedApr 19, 2026
Details

No additional details available.

Credit Union of America Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
10222 E Harry St, Derby, KS 66502 3469
15 Year Fixed Rate
15
5.75%
5.94%
View
▼
Rate5.75%
APR5.94%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Hammond, FL 32202
15 year fixed
5.75%
5.95%
View
▼
Rate5.75%
APR5.95%
Points0.000
UpdatedApr 19, 2026
Details

As Low As

GLASS CITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1275 N Main St, Bowling Green, OH 43402 1342
15 Year Fixed Conventional
5.88%
5.95%
View
▼
Rate5.88%
APR5.95%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Blairstown, NJ 07825
15 Year Fixed Monthly
5.75%
5.95%
View
▼
Rate5.75%
APR5.95%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Wescom Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
10970 Jefferson Blvd, Anaheim, CA 90025
15 Year Fixed
5.88%
5.95%
View
▼
Rate5.88%
APR5.95%
Points0.000
UpdatedApr 8, 2026
Details

From $50K to $806,500

Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
1430 N MICHIGAN Ave, Midland, MI 48602 4734
15 Year Fixed Conventional FNMA
5.62%
5.95%
View
▼
Rate5.62%
APR5.95%
Points0.000
UpdatedApr 18, 2026
Details

No additional details available.

TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI 49512
15 Year Fixed
5.63%
5.96%
View
▼
Rate5.63%
APR5.96%
Points0.000
UpdatedApr 25, 2026
Details

No additional details available.

River Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
124 S 2nd St, River Falls, WI 54022
15 Year Fixed Rate
5.75%
5.96%
View
▼
Rate5.75%
APR5.96%
Points0.000
UpdatedApr 16, 2026
Details

No additional details available.

Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
1 Gardner St, Berlin, NH 03561
15 Year Fixed
5.62%
5.96%
View
▼
Rate5.62%
APR5.96%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Fulton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
219 County Route 57, Baldwinsville, NY 13027
15-Year Fixed
5.75%
5.96%
View
▼
Rate5.75%
APR5.96%
Points0.000
UpdatedApr 17, 2026
Details

As Low As

Fairfield Federal S&L of Lancaster
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1100 W Fair Ave, Lancaster, OH 43130
15 YEAR FIXED RATE
5.75%
5.96%
View
▼
Rate5.75%
APR5.96%
Points0.000
UpdatedApr 17, 2026
Details

No additional details available.

Royal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
100 Splinter Ave, Adams, WI 53506
15-Year Fixed Rate
5.88%
5.96%
View
▼
Rate5.88%
APR5.96%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
Fixed Rate Construction/Perm Loans 15 Year Fixed Rate
15
5.62%
5.97%
View
▼
Rate5.62%
APR5.97%
Points0.750
UpdatedApr 17, 2026
Details

No additional details available.

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
100 Forbes Blvd, Brockton, MA 02032 1018
15 Year Fixed
5.88%
5.97%
View
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, OR 97267
15-Year Fixed
180
5.50%
5.97%
View
▼
Rate5.50%
APR5.97%
Points0.000
UpdatedApr 19, 2026
Details

Fixed 180 Months

Farmers Savings Bank Mineral Point, WI
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1113 N Johns St, Dodgeville, WI 53533
15 Year Fixed Rate
5.88%
5.97%
View
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

Mound City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1100 Springdale St, Belmont, WI 53510
15 Year Fixed
5.88%
5.97%
View
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedApr 24, 2026
Details

No additional details available.

First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1 N Main St, Andale, KS 67001
15 year Fixed Rate
5.75%
5.97%
View
▼
Rate5.75%
APR5.97%
Points0.000
UpdatedApr 22, 2026
Details

No additional details available.

SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
10750 France Ave S, Andover, MN 55304
Conventional 15-Year Fixed
5.88%
5.97%
View
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedApr 19, 2026
Details

No additional details available.

Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
13602 E 14 Mile Rd, Ann Arbor, MI 48017
15 Year Fixed
15 Year
5.88%
5.98%
View
▼
Rate5.88%
APR5.98%
Points0.239
UpdatedApr 19, 2026
Details

As Low As

First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
101 Park Ave, Bath, PA 18014
15-Year Fixed Rate
15 Years
5.75%
5.98%
View
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedApr 22, 2026
Details

Borrow at 5.75% for 180 months and make a low monthly payment of $8.43 for every thousand borrowed. 720 minimum credit score required.

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, OR 97267
15-Year Fixed
180
5.50%
5.98%
View
▼
Rate5.50%
APR5.98%
Points0.000
UpdatedApr 19, 2026
Details

Fixed 180 Months

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Blairstown, NJ 07825
15 Year Fixed Monthly
5.62%
5.98%
View
▼
Rate5.62%
APR5.98%
Points1.000
UpdatedApr 24, 2026
Details

No additional details available.

CDC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
1600 Clifton Rd NE, Atlanta, GA 30329 4018
15 Year Fixed
5.75%
5.98%
View
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedApr 25, 2026
Details

No additional details available.

The 15-year fixed mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Refinancing involves closing costs that should be factored into your decision.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

15-Year Fixed Mortgage Rate Trend

Daily national average rates across all mortgage types

Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.

View Full Trends Report →
15-Year Fixed — National Avg
5.946%
▲ 0.013% from last week

The 15-year fixed rate rose 0.013 points over the past 7 days to 5.946%, up from 5.933% last week.

Quick Reference — April 2026
Est. payment ($400k loan): $3,364/mo
Loan type: Fixed-rate, 15-year term
Best for: Faster payoff, lower total interest
Data source: mortgage rate averages compiled from our database of 8,500+ banks and credit unions
As of Apr 30, 2026 • Daily averages from our database of 8,500+ U.S. banks & credit unions — updated daily

Mortgage Calculators

Mortgage Payment Calculator Affordability Calculator Refinance Calculator Rent vs. Buy Calculator

Methodology & Data Sources

Direct-Sourced & Verified Rate Data: Every 15-year fixed mortgage rate on this page is sourced directly from the official website of the lending institution. Rates are tracked daily from both banks and credit unions nationwide.

Nationwide Lender Coverage: Our database monitors over 8,500 banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and national online lenders. This breadth ensures you see competitive rates that many national rate surveys miss.

Time-Stamped for Full Transparency: Because 15-year fixed mortgage rates can shift multiple times per week in response to 10-year Treasury movements and Federal Reserve policy changes, every rate entry carries its own specific "last updated" date. You always know exactly how fresh the data is.

Proprietary Lender Safety Ratings: Rate alone is only part of the picture. MonitorBankRates evaluates the financial stability of every listed institution using regulatory FDIC and NCUA data. Our composite Health Grades (A+ to F), Star Ratings, and Texas Ratio calculations give you a clear view of lender stability so you can borrow with confidence from a financially sound institution.

Frequently Asked Questions About 15-Year Fixed Mortgage Rates

What is a 15-year fixed-rate mortgage?

A 15-year fixed-rate mortgage is a home loan with an interest rate that stays the same for the entire 15-year repayment term. Your principal and interest payment never changes, and the loan is fully paid off in 180 months. Compared to a 30-year mortgage, the 15-year typically carries a lower interest rate — usually 0.50%–0.75% below the 30-year rate — and you pay significantly less total interest because of the shorter term. The trade-off is a substantially higher monthly payment since the principal is repaid in half the time.

How does a 15-year mortgage compare to a 30-year mortgage?

The 15-year mortgage saves a substantial amount of money over the life of the loan but requires a higher monthly payment. On a $400,000 loan, a 15-year at 6.25% has a principal and interest payment of roughly $3,430/month versus approximately $2,594/month on a 30-year at 6.75%. However, the 15-year borrower pays roughly $225,000 in total interest compared to approximately $534,000 on the 30-year — a savings of over $300,000. The right choice depends on whether you can comfortably afford the higher payment without straining cash flow.

What is the monthly payment on a 15-year mortgage?

Monthly payment depends on your loan amount and rate. As a rough reference: a $300,000 loan at 6.00% has a principal and interest payment of about $2,532/month; at $400,000 and 6.25%, roughly $3,430/month; at $500,000 and 6.50%, approximately $4,355/month. These figures cover principal and interest only — your total payment will be higher if you include property taxes, homeowner's insurance, and any HOA fees. Use our Mortgage Payment Calculator for a precise figure based on your specific loan amount and current rate.

Who is a 15-year mortgage best suited for?

A 15-year mortgage is well suited for borrowers who can comfortably afford the higher monthly payment, are approaching retirement and want to be mortgage-free sooner, have stable income with limited need for cash flow flexibility, or are refinancing an existing mortgage and want to accelerate payoff. It is also ideal for buyers who plan to stay in the home long-term and want to maximize total interest savings. Borrowers with variable income or significant other financial obligations often benefit from the lower required payment of a 30-year, even if they intend to pay extra.

How does my credit score affect my 15-year mortgage rate?

Credit score is one of the most significant factors in rate pricing. Borrowers with scores above 760 typically qualify for the lowest available 15-year rates. Scores between 700–759 usually carry rates 0.25%–0.50% higher. Scores below 680 can result in rates 0.75%–1.50% above best-tier pricing. On a 15-year loan, a higher rate costs less in total dollars than on a 30-year (because the loan pays off faster), but the monthly payment impact is immediate and significant on a shorter amortization.

Should I lock my 15-year mortgage rate?

If you are comfortable with your quoted rate and want protection against rate increases before closing, locking is generally advisable. Most lenders offer 30- to 60-day locks at no cost; longer locks of 90 days may carry a small fee. Because 15-year rates tend to track shorter Treasury yields, they can move more quickly than 30-year rates in certain market conditions. Locking as soon as you have a signed purchase agreement is typically the safest approach.

What is the difference between interest rate and APR on a 15-year mortgage?

The interest rate is the annual cost of borrowing the principal. The APR (Annual Percentage Rate) is a broader figure that includes the interest rate plus lender origination fees, points paid, and certain closing costs, all expressed as a single annualized percentage. Because a 15-year loan has a shorter amortization period, upfront fees and points have a larger impact on the APR relative to a 30-year loan with the same costs. The APR is the best number for comparing total loan costs across lenders on an apples-to-apples basis.

Should I pay mortgage points on a 15-year loan?

Paying points (discount points) upfront to lower your rate can make sense on a 15-year loan if you plan to keep the mortgage long enough to recover the upfront cost through monthly savings. Because the 15-year term is shorter than a 30-year, you have fewer months to recoup the investment — making break-even analysis especially important. Divide the cost of the points by the monthly savings from the lower rate to find your break-even month. If you expect to keep the loan past that point, paying points is likely worthwhile.

Can I refinance into a 15-year mortgage?

Yes, and it is one of the most common reasons homeowners refinance. Refinancing from a 30-year into a 15-year mortgage lets you lock in a lower rate, build equity faster, and eliminate debt sooner — often saving hundreds of thousands in total interest. The key considerations are whether you can absorb the higher monthly payment, whether the rate improvement justifies the closing costs (typically 2%–5% of the loan balance), and whether your break-even timeline aligns with your planned length of stay.

How are 15-year mortgage rates determined?

Lenders price 15-year fixed mortgage rates primarily based on the yield of 10-year U.S. Treasury bonds — the same benchmark used for 30-year mortgages — but the spread above Treasuries is typically smaller because 15-year loans carry less duration risk and default risk for the lender. When Treasury yields rise (driven by Federal Reserve policy, inflation data, or economic strength), 15-year rates rise in tandem. Individual quotes also depend on credit score, down payment, loan-to-value ratio, property type, and the lender's own cost of capital.

What are today's best 15-year fixed mortgage rates?

  • HawaiiUSA Federal Credit Union: 4.75% (15 Year Fixed Rate)
  • First Priority Credit Union Boston, MA: 5.25% (15 Year Fixed)
  • First Citizens Federal Credit Union: 5.00% (15-Year Fixed)
  • Peoples Trust Co. of St. Albans: 5.12% (15 Year Fixed Rate)
  • MembersAlliance Credit Union: 4.88% (15 Year Fixed Rate)
30-Year Fixed 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: April 27, 2026

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