Best FHA Mortgage Rates Today April 2026 | As Low As 4.63%
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of lenders. Our editorial content is independent of any advertiser relationships.
Today's FHA mortgage rate mortgage market includes offers such as Utah First Federal Credit UnionUtah First Federal Credit Union1155 W Park Lane, American Fork, UT 84003A+5.0 ★Texas Ratio: 2.03% offering FHA at 4.62%, and Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit Union1015 WARNER AVE, Athol, ID 83501A+5.0 ★Texas Ratio: 4.34% offering 15 Year FHA Loan at 4.75%, and One Nevada Credit UnionOne Nevada Credit Union1090 W Sunset Rd Ste B, Henderson, NV 89014 6678A+5.0 ★Texas Ratio: 1.18% offering FHA 30 Year Fixed at 5.38%, and Newtown Savings BankNewtown Savings Bank112 Boston Ave, Bethel, CT 06468A5.0 ★Texas Ratio: 6.92% offering 30 Year Fixed FHA at 5.62%, and Credit Union West Credit UnionCredit Union West Credit Union10150 W Desert River Blvd, Avondale, AZ 85008 2442A+5.0 ★Texas Ratio: 3.00% offering 30 Year FHA at 5.62%.
The FHA mortgage rate 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.
FHA Mortgage Rate 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
FHA Mortgage Rate 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.
FHA Mortgage Rate — National Avg
6.248%
Unchanged vs 7 days ago
The national FHA mortgage rate mortgage rate currently averages 6.248% from 8,500+ lenders.
Quick Reference — April 2026
Est. payment ($400k loan): $2,462/mo
Loan type: FHA Fixed (30-year term)
Best for: Low down payment, flexible credit requirements
Data source: mortgage rate averages compiled from our database of 8,500+ banks and credit unions
As of Apr 29, 2026 • Daily averages from our database of 8,500+ U.S. banks & credit unions — updated daily
Powered by
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Compare FHA Mortgage Rates Nationwide
Source: Verified Mortgage Rate Data provided by MonitorBankRates.com
Lender
Product
Term
Rate ▲
APR
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1155 W Park Lane, American Fork, UT 84003
FHA
15 Years
4.62%
4.97%
▼
Rate4.62%
APR4.97%
Points0.000
UpdatedApr 17, 2026
Address1155 W Park Lane, American Fork, UT 84003
Details
No additional details available.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1015 WARNER AVE, Athol, ID 83501
15 Year FHA Loan
4.75%
5.43%
▼
Rate4.75%
APR5.43%
Points0.000
UpdatedApr 19, 2026
Address1015 WARNER AVE, Athol, ID 83501
Details
As Low As
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1155 W Park Lane, American Fork, UT 84003
FHA
30 Years
5.25%
5.45%
▼
Rate5.25%
APR5.45%
Points0.000
UpdatedApr 17, 2026
Address1155 W Park Lane, American Fork, UT 84003
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
FHA 30 Year Fixed
5.38%
5.56%
▼
Rate5.38%
APR5.56%
Points0.000
UpdatedApr 19, 2026
Address1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
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 FHA 30 Year Fixed
5.38%
5.56%
▼
Rate5.38%
APR5.56%
Points0.000
UpdatedApr 19, 2026
Address1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
Details
No additional details available.
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
112 Boston Ave, Bethel, CT 06468
30 Year Fixed FHA
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedApr 24, 2026
Address112 Boston Ave, Bethel, CT 06468
Details
No additional details available.
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
10150 W Desert River Blvd, Avondale, AZ 85008 2442
30 Year FHA
30 Year
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points1.875
UpdatedApr 19, 2026
Address10150 W Desert River Blvd, Avondale, AZ 85008 2442
Details
No additional details available.
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
10903 New Hampshire Ave, Silver Spring, MD 20903 1058
FHA 30-Year Fixed Rate
5.29%
5.70%
▼
Rate5.29%
APR5.70%
Points0.000
UpdatedApr 17, 2026
Address10903 New Hampshire Ave, Silver Spring, MD 20903 1058
Details
No additional details available.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1 BayPort Way Ste 105, Chesapeake, VA 23061
30 years FHA Loan
30 years
5.50%
5.70%
▼
Rate5.50%
APR5.70%
Points0.625
UpdatedApr 18, 2026
Address1 BayPort Way Ste 105, Chesapeake, VA 23061
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
FHA 30-Year Fixed
5.50%
5.78%
▼
Rate5.50%
APR5.78%
Points0.000
UpdatedApr 19, 2026
Address1400 Riverwood Dr, Bloomington, MN 53110 2611
Details
No additional details available.
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1280 E League City Pkwy, Alvin, TX 77017
30-year FHA Fixed
30-year
5.25%
5.84%
▼
Rate5.25%
APR5.84%
Points1.597
UpdatedApr 18, 2026
Address1280 E League City Pkwy, Alvin, TX 77017
Details
No additional details available.
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1280 E League City Pkwy, Alvin, TX 77017
30-year FHA Fixed
30-year
5.38%
5.90%
▼
Rate5.38%
APR5.90%
Points0.817
UpdatedApr 18, 2026
Address1280 E League City Pkwy, Alvin, TX 77017
Details
No additional details available.
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY 40223
FHA 30-Year Fixed - Conforming
5.75%
5.91%
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedApr 19, 2026
Address13246 State Route 176, Drakesboro, KY 40223
Details
No additional details available.
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA 52632
FHA 30 Year Fixed
5.62%
5.91%
▼
Rate5.62%
APR5.91%
Points0.000
UpdatedApr 19, 2026
Address3200 Main St, KEOKUK, IA 52632
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10025 Baltimore National Pike, Annapolis, MD 20740
FHA 30 Year Fixed
5.62%
5.91%
▼
Rate5.62%
APR5.91%
Points0.000
UpdatedApr 19, 2026
Address10025 Baltimore National Pike, Annapolis, MD 20740
Details
No additional details available.
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2705 NW EXPRESSWAY, Dallas, OK 73112 7047
FHA
15 Year Fixed
5.12%
5.96%
▼
Rate5.12%
APR5.96%
Points0.000
UpdatedApr 17, 2026
Address2705 NW EXPRESSWAY, Dallas, OK 73112 7047
Details
No additional details available.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1015 WARNER AVE, Athol, ID 83501
30 Year FHA Loan
5.25%
5.98%
▼
Rate5.25%
APR5.98%
Points0.000
UpdatedApr 19, 2026
Address1015 WARNER AVE, Athol, ID 83501
Details
As Low As
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
1000 E 32nd St, Alba, MO 64755
30-year fixed rate FHA
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedApr 22, 2026
Address1000 E 32nd St, Alba, MO 64755
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
FHA
5.88%
5.99%
▼
Rate5.88%
APR5.99%
Points0.500
UpdatedApr 19, 2026
Address1100 NE Weidler St, Albany, OR 97005
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
FHA - Servicing Released 30 Year Fixed Rate
5.67%
6.04%
▼
Rate5.67%
APR6.04%
Points0.000
UpdatedApr 17, 2026
Address1127 Ethan Allen Highway, Enosburg Falls, VT 05450
Details
No additional details available.
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 10547
FHA 30 Year Fixed
5.50%
6.07%
▼
Rate5.50%
APR6.07%
Points0.000
UpdatedApr 19, 2026
Address113 Holland Ave, Albany, NY 10547
Details
No additional details available.
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1280 E League City Pkwy, Alvin, TX 77017
30-year FHA Fixed
30-year
5.62%
6.08%
▼
Rate5.62%
APR6.08%
Points-0.152
UpdatedApr 18, 2026
Address1280 E League City Pkwy, Alvin, TX 77017
Details
No additional details available.
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
1030 Shaw Ave, Atascadero, CA 91762
30-Year Fixed FHA Purchase
5.62%
6.08%
▼
Rate5.62%
APR6.08%
Points0.000
UpdatedApr 19, 2026
Address1030 Shaw Ave, Atascadero, CA 91762
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
FHA 30 Year Fixed
5.50%
6.09%
▼
Rate5.50%
APR6.09%
Points0.000
UpdatedApr 19, 2026
Address1 Officer Manny Familia Way, Worcester, MA 01605
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 FHA Mortgages - 3.5% Down
15 Year
5.49%
6.13%
▼
Rate5.49%
APR6.13%
Points0.000
UpdatedApr 19, 2026
Address2550 S Alpine Rd, Loves Park, IL 61073
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
FHA Mortgages - 3.5% Down
15 Year
5.49%
6.13%
▼
Rate5.49%
APR6.13%
Points0.000
UpdatedApr 19, 2026
Address2550 S Alpine Rd, Loves Park, IL 61073
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
FHA Mortgages - 3.5% Down 15 Year
15 Year
5.49%
6.13%
▼
Rate5.49%
APR6.13%
Points0.000
UpdatedApr 19, 2026
Address2550 S Alpine Rd, Loves Park, IL 61073
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC 27006
FHA 30 Year (FHA)
6.12%
6.22%
▼
Rate6.12%
APR6.22%
Points0.000
UpdatedApr 27, 2026
Address100 Queens Rd, Advance, NC 27006
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
FHA 30 Year Fixed
5.62%
6.22%
▼
Rate5.62%
APR6.22%
Points0.000
UpdatedApr 17, 2026
Address170 Bluestone Dr, Alexandria, DC 20548 0001
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
FHA 30 Year Fixed
5.62%
6.22%
▼
Rate5.62%
APR6.22%
Points0.000
UpdatedApr 18, 2026
Address1 Campus Center Way, Amherst, MA 01003
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
FHA 30 Year
5.62%
6.22%
▼
Rate5.62%
APR6.22%
Points0.000
UpdatedApr 18, 2026
Address2735 Martha St, Simsboro, LA 71275
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
FHA 30 Year
5.62%
6.22%
▼
Rate5.62%
APR6.22%
Points0.000
UpdatedApr 18, 2026
Address100 W Church St, Bossier City, AR 71019
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
30 Year FHA Fixed
5.62%
6.22%
▼
Rate5.62%
APR6.22%
Points0.000
UpdatedApr 18, 2026
Address1207 Bessemer City Rd, Charlotte, NC 28052
Details
No additional details available.
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13200 Bermuda Orchard Lane, Chester, VA 23801
FHA 30 Year FIxed
5.62%
6.22%
▼
Rate5.62%
APR6.22%
Points0.000
UpdatedApr 25, 2026
Address13200 Bermuda Orchard Lane, Chester, VA 23801
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
FHA 30 Year Fixed
5.63%
6.22%
▼
Rate5.63%
APR6.22%
Points0.000
UpdatedApr 17, 2026
Address2440 Market St NE Ste 901, Alexandria, DC 20018
Details
No additional details available.
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1101 N Bishop Ave, Fort Leonard Wood, MO 65065 3276
FHA Loan
15 - 30 Years
5.75%
6.22%
▼
Rate5.75%
APR6.22%
Points0.000
UpdatedApr 19, 2026
Address1101 N Bishop Ave, Fort Leonard Wood, MO 65065 3276
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Hammond, FL 32202
FHA 30 year fixed
6.12%
6.22%
▼
Rate6.12%
APR6.22%
Points0.250
UpdatedApr 19, 2026
Address1800 Barrs St, Hammond, FL 32202
Details
As Low As
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Bradenton, FL 33556 3494
FHA 30 Year Fixed Rate
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedApr 18, 2026
Address10901 N Dale Mabry Hwy, Bradenton, FL 33556 3494
Details
No additional details available.
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
FHA Purchase Refinance
15 Year
5.75%
6.31%
▼
Rate5.75%
APR6.31%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
As Low As
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
FHA Purchase / Refinance5
15 Year
5.75%
6.31%
▼
Rate5.75%
APR6.31%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1001 S 1200 W, Albuquerque, AZ 83440
FHA 30 Year
5.50%
6.33%
▼
Rate5.50%
APR6.33%
Points0.375
UpdatedApr 18, 2026
Address1001 S 1200 W, Albuquerque, AZ 83440
Details
As Low As
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1210 Greenview Dr, Daleville, VA 24012 2226
FHA 30 Year Fixed
30
5.75%
6.35%
▼
Rate5.75%
APR6.35%
Points0.000
UpdatedApr 19, 2026
Address1210 Greenview Dr, Daleville, VA 24012 2226
Details
Important Assumptions
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Hammond, FL 32202
FHA 30 year fixed
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.000
UpdatedApr 19, 2026
Address1800 Barrs St, Hammond, FL 32202
Details
As Low As
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ 85004
Mortgage Purchase FHA 30 Year Fixed
5.49%
6.37%
▼
Rate5.49%
APR6.37%
Points0.875
UpdatedApr 19, 2026
Address1060 S Watson Rd, Apache Junction, AZ 85004
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 FHA 30 Year Fixed
5.49%
6.37%
▼
Rate5.49%
APR6.37%
Points0.875
UpdatedApr 19, 2026
Address1060 S Watson Rd, Apache Junction, AZ 85004
Details
No additional details available.
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Camden, NJ 08093
30 Year FHA Fixed
5.50%
6.37%
▼
Rate5.50%
APR6.37%
Points1.000
UpdatedApr 24, 2026
Address1040 Haddon Ave, Camden, NJ 08093
Details
No additional details available.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Belton, TX 76501 7603
FHA 15-year Fixed purchase
5.38%
6.42%
▼
Rate5.38%
APR6.42%
Points0.000
UpdatedApr 19, 2026
Address1221 Hewitt Dr, Belton, TX 76501 7603
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
30 Year FHA
5.62%
6.44%
▼
Rate5.62%
APR6.44%
Points0.000
UpdatedApr 18, 2026
Address10222 E Harry St, Derby, KS 66502 3469
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
FHA 15-Year Fixed
5.00%
6.47%
▼
Rate5.00%
APR6.47%
Points0.000
UpdatedApr 19, 2026
Address1 Mount Baldy Dr, Aurora, CO 80011 7809
Details
No additional details available.
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Cedar City, UT 84624
FHA 30-Year Fixed Rate
30 Years
5.49%
6.48%
▼
Rate5.49%
APR6.48%
Points0.000
UpdatedApr 22, 2026
Address122 S Main St, Cedar City, UT 84624
Details
No additional details available.
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Birmingham, AL 35023 1668
30-Year FHA Fixed
5.75%
6.49%
▼
Rate5.75%
APR6.49%
Points0.000
UpdatedApr 19, 2026
Address1 Riverchase Pkwy S, Birmingham, AL 35023 1668
Details
As Low As
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
110 International Way, Albany, OR 97210
30 Year FHA
5.75%
6.51%
▼
Rate5.75%
APR6.51%
Points0.000
UpdatedApr 19, 2026
Address110 International Way, Albany, OR 97210
Details
No additional details available.
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
11899 New Halls Ferry Rd, Ellisville, MO 63011
30 Year FHA
5.62%
6.52%
▼
Rate5.62%
APR6.52%
Points0.000
UpdatedApr 19, 2026
Address11899 New Halls Ferry Rd, Ellisville, MO 63011
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
FHA 30 Year
6.25%
6.53%
▼
Rate6.25%
APR6.53%
Points0.000
UpdatedApr 19, 2026
Address1100 Boulders Pkwy Ste 601, Glen Allen, VA 23060 3308
Details
No additional details available.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Belton, TX 76501 7603
FHA 30-year Fixed purchase
5.63%
6.53%
▼
Rate5.63%
APR6.53%
Points0.000
UpdatedApr 19, 2026
Address1221 Hewitt Dr, Belton, TX 76501 7603
Details
No additional details available.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1 Denso Rd, Bangor, MI 49001
FHA 30 Year Fixed
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedApr 18, 2026
Address1 Denso Rd, Bangor, MI 49001
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD 21001 1733
FHA 30 Year Fixed
5.62%
6.54%
▼
Rate5.62%
APR6.54%
Points0.375
UpdatedApr 17, 2026
Address1 Seahawk Dr, Aberdeen, MD 21001 1733
Details
No additional details available.
Har-co Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
1028 Middleton Rd, Aberdeen, MD 21001 2281
Home loan FHA 30 Year Fixed
5.73%
6.55%
▼
Rate5.73%
APR6.55%
Points0.000
UpdatedApr 19, 2026
Address1028 Middleton Rd, Aberdeen, MD 21001 2281
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
30 Year Fixed 203K (FHA Only)
5.75%
6.59%
▼
Rate5.75%
APR6.59%
Points0.000
UpdatedApr 25, 2026
Address1560 Garrett Rd, Aston, DE 19014 1862
Details
No additional details available.
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
1010 Moore St, Allegan, MI 49002
FHA 30 Year Fixed
6.00%
6.65%
▼
Rate6.00%
APR6.65%
Points0.500
UpdatedApr 19, 2026
Address1010 Moore St, Allegan, MI 49002
Details
As Low As
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Camden, NJ 08093
30 Year FHA Fixed
5.88%
6.66%
▼
Rate5.88%
APR6.66%
Points0.000
UpdatedApr 24, 2026
Address1040 Haddon Ave, Camden, NJ 08093
Details
No additional details available.
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
11153 Telegraph Rd, Brownstown, MI 48134
FHA Fixed-Rate Mortgage
30-Year
6.25%
6.67%
▼
Rate6.25%
APR6.67%
Points0.000
UpdatedApr 19, 2026
Address11153 Telegraph Rd, Brownstown, MI 48134
Details
No additional details available.
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
11153 Telegraph Rd, Brownstown, MI 48134
FHA Fixed-Rate Mortgage
15-Year
6.00%
6.68%
▼
Rate6.00%
APR6.68%
Points0.000
UpdatedApr 19, 2026
Address11153 Telegraph Rd, Brownstown, MI 48134
Details
No additional details available.
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2705 NW EXPRESSWAY, Dallas, OK 73112 7047
FHA
30 Year Fixed
5.88%
6.69%
▼
Rate5.88%
APR6.69%
Points0.000
UpdatedApr 17, 2026
Address2705 NW EXPRESSWAY, Dallas, OK 73112 7047
Details
No additional details available.
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
FHA Purchase Refinance
20 Year
6.25%
6.70%
▼
Rate6.25%
APR6.70%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
As Low As
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
FHA Purchase / Refinance5
20 Year
6.25%
6.70%
▼
Rate6.25%
APR6.70%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
As Low As
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
110 International Way, Albany, OR 97210
30 Year FHA Manufactured Home (no homes on rented land)
5.88%
6.71%
▼
Rate5.88%
APR6.71%
Points0.000
UpdatedApr 19, 2026
Address110 International Way, Albany, OR 97210
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
30 Year FHA Mortgages - 3.5% Down
30 Year
5.99%
6.72%
▼
Rate5.99%
APR6.72%
Points0.000
UpdatedApr 19, 2026
Address2550 S Alpine Rd, Loves Park, IL 61073
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
FHA Mortgages - 3.5% Down
30 Year
5.99%
6.72%
▼
Rate5.99%
APR6.72%
Points0.000
UpdatedApr 19, 2026
Address2550 S Alpine Rd, Loves Park, IL 61073
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
FHA Mortgages - 3.5% Down 30 Year
30 Year
5.99%
6.72%
▼
Rate5.99%
APR6.72%
Points0.000
UpdatedApr 19, 2026
Address2550 S Alpine Rd, Loves Park, IL 61073
Details
As Low As
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
FHA Purchase Refinance
30 Year
6.38%
6.72%
▼
Rate6.38%
APR6.72%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
As Low As
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
FHA Purchase / Refinance5
30 Year
6.38%
6.72%
▼
Rate6.38%
APR6.72%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
25 Year FHA Mortgages - 3.5% Down
25 Year
5.99%
6.74%
▼
Rate5.99%
APR6.74%
Points0.000
UpdatedApr 19, 2026
Address2550 S Alpine Rd, Loves Park, IL 61073
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
FHA Mortgages - 3.5% Down
25 Year
5.99%
6.74%
▼
Rate5.99%
APR6.74%
Points0.000
UpdatedApr 19, 2026
Address2550 S Alpine Rd, Loves Park, IL 61073
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
FHA Mortgages - 3.5% Down 25 Year
25 Year
5.99%
6.74%
▼
Rate5.99%
APR6.74%
Points0.000
UpdatedApr 19, 2026
Address2550 S Alpine Rd, Loves Park, IL 61073
Details
As Low As
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
10761 Pippin Rd, Blue Ash, OH 45042
30-Year FHA
30
6.62%
6.75%
▼
Rate6.62%
APR6.75%
Points0.000
UpdatedApr 19, 2026
Address10761 Pippin Rd, Blue Ash, OH 45042
Details
No additional details available.
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
11400 AL Highway 157, Albertville, AL 35055
30 Year FHA
30 Year
5.62%
6.80%
▼
Rate5.62%
APR6.80%
Points0.000
UpdatedApr 18, 2026
Address11400 AL Highway 157, Albertville, AL 35055
Details
No additional details available.
Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1 Twin Maples Plaza Route 9 W, Gardiner, NY 12401
FHA
5.75%
6.81%
▼
Rate5.75%
APR6.81%
Points0.000
UpdatedApr 24, 2026
Address1 Twin Maples Plaza Route 9 W, Gardiner, NY 12401
Details
No additional details available.
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
10761 Pippin Rd, Blue Ash, OH 45042
15-Year FHA
15
6.62%
6.83%
▼
Rate6.62%
APR6.83%
Points0.000
UpdatedApr 19, 2026
Address10761 Pippin Rd, Blue Ash, OH 45042
Details
No additional details available.
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
1010 Moore St, Allegan, MI 49002
FHA 30 Year Fixed
6.25%
6.86%
▼
Rate6.25%
APR6.86%
Points0.000
UpdatedApr 19, 2026
Address1010 Moore St, Allegan, MI 49002
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
20 Year FHA Mortgages - 3.5% Down
20 Year
6.13%
6.91%
▼
Rate6.13%
APR6.91%
Points0.000
UpdatedApr 19, 2026
Address2550 S Alpine Rd, Loves Park, IL 61073
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
FHA Mortgages - 3.5% Down
20 Year
6.13%
6.91%
▼
Rate6.13%
APR6.91%
Points0.000
UpdatedApr 19, 2026
Address2550 S Alpine Rd, Loves Park, IL 61073
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Loves Park, IL 61073
FHA Mortgages - 3.5% Down 20 Year
20 Year
6.13%
6.91%
▼
Rate6.13%
APR6.91%
Points0.000
UpdatedApr 19, 2026
Address2550 S Alpine Rd, Loves Park, IL 61073
Details
As Low As
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1302 S Grandstaff Dr, Angola, IN 28054
30-Year FHA
5.88%
6.94%
▼
Rate5.88%
APR6.94%
Points0.000
UpdatedApr 18, 2026
Address1302 S Grandstaff Dr, Angola, IN 28054
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
FHA 30-Year Fixed
5.62%
6.96%
▼
Rate5.62%
APR6.96%
Points0.000
UpdatedApr 19, 2026
Address1 Mount Baldy Dr, Aurora, CO 80011 7809
Details
No additional details available.
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
322 Buck Dr, Reno, NV 89436 7731
FHA 30 Year Fixed
5.99%
7.03%
▼
Rate5.99%
APR7.03%
Points1.000
UpdatedApr 25, 2026
Address322 Buck Dr, Reno, NV 89436 7731
Details
$350,000 Loan Amount - 740 Credit Score; 96.5% LTV
Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1008 N Bridge St, Aurora, IL 60505 1511
30 Year Fixed FHA
30
5.62%
7.05%
▼
Rate5.62%
APR7.05%
Points0.000
UpdatedApr 19, 2026
Address1008 N Bridge St, Aurora, IL 60505 1511
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1001 S 1200 W, Albuquerque, AZ 83440
Utah Housing FHA
6.25%
7.07%
▼
Rate6.25%
APR7.07%
Points0.000
UpdatedApr 18, 2026
Address1001 S 1200 W, Albuquerque, AZ 83440
Details
As Low As
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
14750 Victor Hugo Blvd N, Eagan, MN 55038 4561
30 Yr. Fixed - FHA
6.25%
7.38%
▼
Rate6.25%
APR7.38%
Points0.000
UpdatedApr 19, 2026
Address14750 Victor Hugo Blvd N, Eagan, MN 55038 4561
Details
No additional details available.
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MonitorBankRates
The FHA mortgage rate mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment. Rates are subject to change without notice.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
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FHA Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every FHA mortgage rate 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 FHA mortgage rate 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 FHA Mortgage Rate Mortgage Rates
What is an FHA loan?
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. Because the federal government insures the lender against default, FHA loans allow borrowers to qualify with lower credit scores and smaller down payments than conventional loans. They are one of the most popular options for first-time homebuyers and buyers with limited savings or credit history.
What are the FHA loan down payment requirements?
FHA loans require a minimum down payment of 3.5% of the purchase price for borrowers with a credit score of 580 or higher. Borrowers with credit scores between 500 and 579 are required to put down at least 10%. The down payment can come from savings, a gift from a family member, or approved down payment assistance programs.
What credit score do I need for an FHA loan?
The FHA itself sets a minimum credit score of 500. With a score of 580 or above, you qualify for the 3.5% down payment option. With a score between 500 and 579, you must put down at least 10%. Individual lenders may impose higher minimum scores — many require 620 or above — so shopping multiple lenders is especially important if your score is in the lower range.
What is FHA mortgage insurance (MIP)?
FHA loans require two types of mortgage insurance. An upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount is paid at closing (or rolled into the loan). An annual MIP is also charged, ranging from 0.15% to 0.75% of the loan balance depending on loan size and term, split across monthly payments. On most FHA loans with less than 10% down, MIP lasts for the life of the loan — a key factor to weigh against a conventional loan with PMI that cancels at 20% equity.
What are FHA loan limits?
FHA loan limits are set annually by the FHA and vary by county based on local median home prices. In most U.S. counties for 2024, the limit for a single-family home is $498,257. In high-cost areas such as parts of California, New York, and Hawaii, limits can reach $1,149,825. FHA loans cannot be used to purchase a home that exceeds the limit for your county.
How does an FHA loan compare to a conventional loan?
FHA loans offer more flexible credit and down payment requirements than conventional loans, making them more accessible to buyers with limited credit history or savings. However, FHA loans require mortgage insurance for the life of the loan in most cases, while conventional PMI cancels once you reach 20% equity. Conventional loans generally offer lower total costs for borrowers with strong credit (720+) and a 20% down payment. FHA loans often make more sense for buyers with credit scores below 680 or down payments under 10%.
What is the difference between interest rate and APR on an FHA loan?
The interest rate is the base cost of borrowing, expressed as a percentage. The APR (Annual Percentage Rate) is a broader figure that includes the interest rate plus lender fees, origination charges, and certain closing costs. On FHA loans, the APR also reflects the ongoing annual MIP cost, making the APR-to-rate spread often larger than on conventional loans. The APR is the best metric for comparing total loan costs across lenders.
Can I refinance an FHA loan?
Yes. FHA borrowers have several refinance options. The FHA Streamline Refinance allows existing FHA borrowers to refinance with reduced documentation and no appraisal, as long as the refinance results in a tangible net benefit (typically a lower rate or payment). Borrowers can also refinance out of an FHA loan into a conventional loan once they have sufficient equity (20%+) to eliminate MIP. A cash-out refinance is also available for eligible FHA borrowers.
How are FHA mortgage rates determined?
FHA mortgage rates are influenced by the same market forces as conventional rates — primarily the yield on 10-year U.S. Treasury bonds and secondary mortgage market conditions. However, FHA rates are also affected by the FHA's mortgage insurance pricing and lender risk assessment for government-backed loans. Individual rate quotes depend on your credit score, loan-to-value ratio, loan term, and the lender's own cost of capital. Comparing quotes from multiple lenders is especially important on FHA loans due to varying lender overlays.
What are today's best FHA mortgage rates?
- Utah First Federal Credit Union: 4.62% (FHA)
- Potlatch No 1 Financial Credit Union: 4.75% (15 Year FHA Loan)
- One Nevada Credit Union: 5.38% (FHA 30 Year Fixed)
- Newtown Savings Bank: 5.62% (30 Year Fixed FHA)
- Credit Union West Credit Union: 5.62% (30 Year FHA)
FHA Mortgage Rate 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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