Best 15-Year Fixed Mortgage Rates Today - July 2026 | As Low As 4.99%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Today's 15-year fixed mortgage market includes offers such as ELGA Credit UnionELGA Credit Union1390 N Leroy St, Bay City, MI 48420A+5.0 ★Texas Ratio: 4.95% offering 15 Year Fixed at 6.50%, and West Virginia Federal Credit UnionWest Virginia Federal Credit Union2355 Maccorkle Ave, Saint Albans, WV 25177 2008A+5.0 ★Texas Ratio: 2.47% offering 15 Year Fixed Rate at 4.99%, and Neighbors Credit UnionNeighbors Credit Union11899 New Halls Ferry Rd, Ellisville, MO 63011A5.0 ★Texas Ratio: 8.10% offering 15 Year Fixed at 5.00%, and First Priority Credit Union Boston, MAFirst Priority Credit Union Boston, MA100 SWIFT ST, BOSTON, MA 02128 1864A+5.0 ★Texas Ratio: 2.65% offering Mortgage Loans - 15 Year Fixed at 5.25%, and Taylor Credit UnionTaylor Credit Union215 S Washington Ave, Abbotsford, WI 54405A+5.0 ★Texas Ratio: 1.00% offering 15-Year Fixed at 5.25%.
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 across the country. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: July 25, 2026
Compare 15-Year Fixed Mortgage Rates Today
As low as 6.500%
No additional details available.
LTV: 90%
LTV: 85%
As Low As
LTV: 80%
As Low As; Max LTV: Up to 95%
No additional details available.
No additional details available.
As Low As
Up to $500 off closing costs.
No additional details available.
No additional details available.
WITH RATE DISCOUNT SPECIAL
No additional details available.
As Low As
As low as
Up to 1.0 points**
Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 15 years
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
Conventional; Call Shannon at 816-324-1414 or Jessica at 816-279-5656. to help you with your mortgage loan!
No additional details available.
As Low As
As Low As
No additional details available.
Rate Lock: 120 days
No additional details available.
1 Point Option
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
Rates effective as of July 20, 2026
No additional details available.
Mortgage rates are current as of July 20, 2026, and are subject to change at any time.
As Low As
No additional details available.
No additional details available.
No additional details available.
Payment Example: 180 principal and interest payments at $7.97
No additional details available.
No additional details available.
Origination Processing Fee: $695.00
No additional details available.
Rates current as of 7/22/2026
No additional details available.
No additional details available.
No additional details available.
No additional details available.
0 Points Option
Origination Fee: $4,425
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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.
Closing Fees: $4303.00; Payment: $817.08
No additional details available.
No additional details available.
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
No additional details available.
Home Loan rates as of 07/07/2026. The Annual Percentage Rate, or APR, for the loan programs shown reflects the interest rate and approximate cost of prepaid finance charges. These charges include a 1% Origination Fee but do not include other closing costs or discount points.
No additional details available.
No additional details available.
First Mortgage - Primary Residence Only
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As low as
No additional details available.
No additional details available.
Max Loan Cost/Thousand: $8.29
No additional details available.
No additional details available.
As Low As*; Downpayment as low as* 5%; PMI
See note 1
Monthly Payment Per $1000 Borrowed: $8.30
No additional details available.
No additional details available.
The rates shown are for the purchase of a primary residence with no points paid. Contact a Home Loan Expert for refinancing rates.
80% Loan to Value
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance is required prior to closing. Rates effective 07/16/2026. Monthly payment example on $100,000.00, 15-year amortization results in 179 payments of $817.23. and a final payment of $811.90. Payment examples do not include taxes and insurance premiums. APR is based on <= 90% loan to value. For limited cash out refinance or purchase.
No additional details available.
No additional details available.
No additional details available.
No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.
No additional details available.
No additional details available.
Rates and Terms are subject to credit approval.
No additional details available.
No additional details available.
Monthly Payment per $1,000: $8.30. Monthly Principal & Interest Payments Based on $100,000 Loan: 180 equal and consecutive monthly payments of $830.41
Payment Example: 180 principal and interest payments at $8.17
No additional details available.
No additional details available.
LTV: Up to 90%
No additional details available.
No additional details available.
This is A Limited Time Offer
5.968%
As low as 6.260%
No additional details available.
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 $1,620.93. The payments shown above do not include taxes and insurance premiums, actual payment obligations will be greater. Advertised rates are based on a purchase transaction and available only to qualified owner-occupants of residential real estate located in the State of Hawaii. Maximum loan amount is $1,249,125 for Honolulu, Kauai and Hawaii counties and $1,299,500 for Maui and Kalawao counties. Rates effective 7/17/26 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.
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 $1,620.93. The payments shown above do not include taxes and insurance premiums, actual payment obligations will be greater. Advertised rates are based on a purchase transaction and available only to qualified owner-occupants of residential real estate located in the State of Hawaii. Maximum loan amount is $1,249,125 for Honolulu, Kauai and Hawaii counties and $1,299,500 for Maui and Kalawao counties. Rates effective 7/17/26 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.
No additional details available.
Origination Fee: $1,425
The Interest Rate is the cost paid each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other changes you may have to pay for the loan. APR = Annual Percentage Rate; effective 07/14/2026 and subject to change without notice. The APR is a broader measure of the cost to you of borrowing the money. The APR reflects not only the interest rate, but also any points, fees paid at closing, and other charges that you have to pay to get the loan. For that reason, the APR is usually higher than the Interest Rate. Your final APR may vary based on your final loan amount and finance charges.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Rate effective as of 7/10/2026. 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. Rate scenarios are based on a 30-day lock.
No additional details available.
No additional details available.
As Low As; Loan Amount: Any
AS LOW AS
AS LOW AS
No additional details available.
No additional details available.
No additional details available.
Purchase As Low As; Refinance As Low As
Rates as Low as*
20% Down on $200,000 Mortgage, 180 monthly payments of $1,674.24
For those who qualify. Rate as of 6/16/2026 and subject to change.
LTV: 80%
Example 15 year mortgage at a rate of 5.79, 5.95% A. P. R. has 180 monthly payments of $8.33 per $1,000 borrowed.
No additional details available.
As low as 5.875%
As low as 5.875%
No additional details available.
Closing Fees: $3,303.00; Payment: $830.41
No additional details available.
No additional details available.
Payment Example: 180 principal and interest payments at $8.30
No additional details available.
No additional details available.
No additional details available.
180 payments of $1,255.68 at an interest rate of 5.875%
No additional details available.
Non-Owner Occupied add 1.25% with a max LTV/CLTV of 70%.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are based on loan amounts of $200,000 and are not intended to be a commitment to the loan type or amount for which you may qualify.
Fixed Rate Mortgages
Loan Amounts: Up To $250,000
No additional details available.
No additional details available.
As low as; Rate: 5.500%
As Low As
As low as; 15 Year Fixed
Non-Owner Occupied add 1.25% with a max LTV/CLTV of 70%.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Rates are as of 7/23/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 20% minimum equity.
No additional details available.
Non-Owner Occupied add 1.25% with a max LTV/CLTV of 70%.
No additional details available.
No additional details available.
No additional details available.
Non-Owner Occupied add 1.25% with a max LTV/CLTV of 70%.
The rate details shown assume the following: The property being purchased is located in Brookfield, Wisconsin and is a single family home to be used as a primary residence. The estimated value is $600,000, down payment is $180,000 and loan amount is $420,000. An escrow account may be required and, in that event, the actual monthly payment will also include an amount for real estate taxes. The standard rate lock period is 45 days and the assumed credit score is 780. Loan Amount: $420,000.00 Property Value: $600,000.00 Number of Payments: 179, Payment Amount: $3,544.20 Number of Payments: 1, Payment Amount: $3,543.96
No additional details available.
No additional details available.
No additional details available.
Monthly Payment Per $1000 Borrowed: $8.44
As Low As; Mortgage rates excluded; call for APR.
Rates as Low as*
Rates as Low as*
No additional details available.
As Low As
Based on a $100,000 loan for the specified term
No additional details available.
No additional details available.
Discount: (0.125%)
No additional details available.
No additional details available.
As Low As; Select Check All Mortgage Rates for Details
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
Origination Fee: 0%
No additional details available.
No additional details available.
No additional details available.
Secondary Market
See details; 720 minimum credit score required.
No additional details available.
As Low As; Discount Points
No additional details available.
No additional details available.
No additional details available.
As Low As; Monthly Cost Per $10,000: $84.38
As Low As; Loan To Value (LTV): 95.00%; Maximum Limit: $400,000.00
Non-Owner Occupied add 1.25% with a max LTV/CLTV of 70%.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APR; No discount points; Your specific rate will be based on your unique circumstances and may differ from the rates shown in this table. Be sure to ask about additional loan programs and rates when you speak with a Mortgage Loan Originator. Click the "Get Quote" button to obtain a personalized rate quote.
No additional details available.
APR is annual percentage rate. Rates are subject to change. See rates page for additional details
New LOWER Rates!
Interest rates and APRs (Annual Percentage Rate) are effective as of 07/24/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender.
Interest rates and APRs (Annual Percentage Rate) are effective as of 07/24/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender.
No additional details available.
Non-Owner Occupied add 1.25% with a max LTV/CLTV of 70%.
Amount: $50,000 to $832,750
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
15, 20 and 30 year terms
No additional details available.
No additional details available.
As Low As
No additional details available.
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. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Interest rates and APRs are subject to change without notice.
Refinance
No additional details available.
Loan limits up to $X
No additional details available.
No additional details available.
Monthly payment estimates are based on single family, owner occupied, 760 credit score, purchase transaction, no secondary financing, non-condo, 30 day lock. Actual closing costs may be higher or lower depending on where the property is located.
No additional details available.
No additional details available.
No additional details available.
As Low As; Annual Percentage Rate
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
The APR and Monthly calculations are based on a no cash-out refinance loan amount of $100,000 and 20% down payment for conventional loans. Actual interest rates, fees and APRs will vary based on credit history and other loan attributes and are subject to change without notice at any time prior to locking your interest rate.
No additional details available.
No additional details available.
Effective Date: July 23, 2026
No additional details available.
No additional details available.
No additional details available.
as low as
No additional details available.
No additional details available.
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 average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.
The 15-year fixed rate rose 0.026 points over the past 7 days to 6.142%, up from 6.115% last week.
Mortgage Calculators
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.
Coast-to-Coast 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 online lenders. This breadth ensures you see competitive rates that many 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?
How does a 15-year mortgage compare to a 30-year mortgage?
What is the monthly payment on a 15-year mortgage?
Who is a 15-year mortgage best suited for?
How does my credit score affect my 15-year mortgage rate?
Should I lock my 15-year mortgage rate?
What is the difference between interest rate and APR on a 15-year mortgage?
Should I pay mortgage points on a 15-year loan?
Can I refinance into a 15-year mortgage?
How are 15-year mortgage rates determined?
What are today's best 15-year fixed mortgage rates?
- ELGA Credit Union: 6.50% (15 Year Fixed)
- West Virginia Federal Credit Union: 4.99% (15 Year Fixed Rate)
- Neighbors Credit Union: 5.00% (15 Year Fixed)
- First Priority Credit Union Boston, MA: 5.25% (Mortgage Loans - 15 Year Fixed)
- Taylor Credit Union: 5.25% (15-Year Fixed)
More Mortgage Rate Options
