Today's 30-year fixed mortgage market includes offers such as OlyFed Olympia Federal S&LOlyFed Olympia Federal S&L24081 Ne State Route 3, Belfair, WA 98501A+5.0 ★Texas Ratio: 2.38% offering 30-Year Fixed (Affordable Construction Program) at 4.25%, and Institution for SavingsInstitution for Savings112 County Rd, Amesbury, MA 01913A+5.0 ★Texas Ratio: 0.11% offering 30 Year Fixed at 4.99%, and Ontario-Montclair School Employees Federal Credit UnionOntario-Montclair School Employees Federal Credit Union1520 N Palmetto Ave, Ontario, CA 91762A+5.0 ★Texas Ratio: 0.39% offering 30 Year Fixed Rate Mortgage at 4.99%, and First Citizens Federal Credit UnionFirst Citizens Federal Credit Union1341 COVE RD, East Wareham, MA 02538A+5.0 ★Texas Ratio: 2.23% offering 30-Year Fixed at 5.00%, and TULARE COUNTYTULARE COUNTY300 N K St, Porterville, CA 93257 2358A+5.0 ★Texas Ratio: 5.05% offering 30-Year Fixed at 5.12%.
The 30-year fixed mortgage is the most popular home loan in the United States, prized for its predictable monthly payment and long amortization period that keeps monthly costs manageable. Whether you are a first-time homebuyer or refinancing an existing loan, comparing rates across lenders is the single most effective way to save — even a 0.25% rate difference on a $400,000 loan saves over $20,000 in total interest over 30 years. We empower borrowers with transparent financial health metrics — including A–F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a stable institution with confidence.
30-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 3, 2026
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Quoted rates include a 60 day rate lock. Maximum loan amount for a conforming loan is $806,500. Affordable Mortgage Program available for Residential First Mortgage loans for owner-occupied primary 1 to 2-family residences for those in Hunterdon, Mercer, Middlesex, and Union counties in New Jersey and Richmond and Kings counties in New York and either: (a.) are purchasing or refinancing a home in a low or moderate-income (LMI) census tract OR (b.) whose income is less than 80% of the county median income. All loans are subject to credit approval. A Fixed Rate Mortgage is a mortgage that may have a fixed principal and interest payment up to a maximum of 30 years or 360 payments. Rates and terms are current as 11/24/25 and are subject to change at anytime without prior notice.
Rates are effective as of 03/27/2026
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Built-In End of Watch Loan Protection on Every Eligible Mortgage!** Promotional rate subject to credit qualification and program type (purchases and rate/term refinances vs. cash-out).
Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 30 years
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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 03/10/2026.
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Example Monthly Payment: On a $200,000.00 loan with a 5.84% rate and a 5.882% APR, you would have 360 monthly payment of $1,178.96 (excluding taxes and insurance). Rate available to qualified buyers with an average credit score of 650 or higher.
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Loan amount not to exceed $499,999
$200,000
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Up to 80% Loan to Value
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LOANS UP TO $2 MILLION
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A $420,000 30-year fixed rate at an interest rate of 5.875% (5.931% APR) would have a monthly principal and interest payment equal to $2,484. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
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Based on a $100,000 loan for the specified term
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$50,000; As Low As
$100,000
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$300,000
Loan Amount: $300,000
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The rates provided assume the purpose of this loan is to purchase a property, loan amount of $1,240,000 and a purchase price of $1,550,000. The property is a single-family detached dwelling (non-manufactured home), one unit and located in California. The property will be used as your primary residence. The rate lock period is 30 days and the assumed credit score is 780 or greater. There will be no subordinate financing and your debt to income will not exceed 40%. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, and some third-party fees. All loans are subject to approval and rates, terms and conditions are subject to change.
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Jumbo
Loan Amount: $200,000
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No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required.
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Loan Amount: $100,000
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$200000 or less
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UP TO 80% LTV
UP TO 80% LTV
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20%
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$200000
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Fixed 360 Months
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High Balance (Minimum Loan Amount $1,249,125)
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$100000 or less
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The rates shown are for the purchase of a primary residence with no points paid.
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Conforming (Loan amounts up to $832,750)
0.25% reduction
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$300000 or less
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$300000
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APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
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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.
The national 30-year fixed mortgage rate currently averages 1.000% based on data from 8,500+ lenders.
Direct-Sourced & Verified Rate Data: Every 30-year fixed mortgage rate on this page is sourced directly from the official website of the lending institution — no estimates, no national survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.
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 30-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.