MonitorBankRates
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Mortgage Rate Trends

Current Mortgage Rates June 2026 | As Low As 4.99%

Current 30-year fixed mortgage rates include Institution for Savings112 County Rd, Amesbury, MA, 01913A+5.0 ★Texas Ratio: 0.11% at 4.99%, First Citizens Federal Credit Union1341 COVE RD, East Wareham, MA, 02538A+5.0 ★Texas Ratio: 2.19% at 5.00%, Wave Federal Credit Union10 Monument Sq, Warwick, RI, 02886 1606A+5.0 ★Texas Ratio: 1.61% at 0.00%, H E TELEPHONE201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126A5.0 ★Texas Ratio: 2.69% at 0.00%, and GenFed Financial Credit Union121 S Union St, Akron, IL, 43506A+5.0 ★Texas Ratio: 4.20% at 0.00%. Mortgage rates as of June 16, 2026 according to verified data from MonitorBankRates.

We compared 4,527 mortgage rates from 802 banks and credit unions across all 50 states to help you find the best 30-year fixed, 15-year fixed, ARM, FHA, VA, and jumbo mortgage rates.

Finding the lowest mortgage rate can save you thousands over the life of your loan. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a stable, highly-rated institution with confidence.

Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers nationally. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: June 16, 2026

Compare Mortgage Rates Today Across the United States

State:

30 Year Fixed Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
112 County Rd, Amesbury, MA, 01913
First-Time/Affordable Homebuyer Loan* 30 Year Fixed
30 Year Fixed
4.99%
5.03%
Rate4.99%
APR5.03%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1341 COVE RD, East Wareham, MA, 02538
30-Year Fixed
30-Year Fixed
5.00%
5.08%
Rate5.00%
APR5.08%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Wave Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
10 Monument Sq, Warwick, RI, 02886 1606
30-Year Fixed Mortgage
30-Year
5.25%
Rate
APR5.25%
Points0.000
UpdatedJun 16, 2026
Details

Rates, terms, and monthly payments may vary based on credit qualifications, loan amount, loan-to-value ratio, occupancy, and other factors. Subject to credit approval. Membership eligibility required. Rates subject to change without notice.

H E TELEPHONE
Institution Rating:
A5.0 ★Texas Ratio: 2.69%
201 W Passaic St Ste 304, Rochelle Park, NJ, 07662 3126
FIRST MORTGAGE 30 YEAR FIXED
30 YEAR FIXED
5.25%
Rate
APR5.25%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
121 S Union St, Akron, IL, 43506
30 Year Mortgage (Fixed)
5.49%
Rate
APR5.49%
Points0.000
UpdatedJun 11, 2026
Details

Rates include all possible discounts.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1 Hyatt St, Avenel, NJ, 07001
30 Year Fixed Rate Affordable Mortgage
30 Year
5.50%
Rate
APR5.50%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
1901 S US Highway 77 Byp, Alice, TX, 77414 3890
30-year fixed
30-year
5.50%
Rate
APR5.50%
Points0.000
UpdatedJun 16, 2026
Details

Fixed rate

TOWN OF HEMPSTEAD EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1830 Grand Ave, Hempstead, NY, 11510
30 Year Fixed
30 Year
5.50%
Rate
APR5.50%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Credit Union 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
111 Lower Mill Bay Rd, Anchorage, AK, 99501 3411
30-Year Fixed First time Homebuyer
5.38%
5.56%
Rate5.38%
APR5.56%
Points0.000
UpdatedJun 16, 2026
Details

Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 30 years

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1 Hyatt St, Avenel, NJ, 07001
30 Year Fixed Rate Affordable Mortgage
30 years
5.50%
5.60%
Rate5.50%
APR5.60%
Points0.000
UpdatedJun 16, 2026
Details

Rates and terms are current as 5/15/26 and are subject to change at anytime without prior notice. 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.

Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
10909 Randolph St, Hammond, IN, 46307
30 Year Fixed Mortgage
30 Year
5.38%
5.61%
Rate5.38%
APR5.61%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI, 96701
Conventional 30-Year Fixed Rate Mortgage
30-Year Fixed Rate
5.62%
Rate
APR5.62%
Points1.250
UpdatedJun 16, 2026
Details

No additional details available.

Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
11100 Weymouth Ct, Charlotte Hall, MD, 20603
30 Year Fixed Rate
5.62%
5.64%
Rate5.62%
APR5.64%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
1 Main St, Amherst, MA, 01002
Welcome Home - 30-Year Fixed Rate
30-Year Fixed Rate
5.62%
5.68%
Rate5.62%
APR5.68%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10610 Potranco Rd, Fredericksburg, TX, 78121 4495
30yr Loan
30yr
5.38%
5.69%
Rate5.38%
APR5.69%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20903 1058
FHA 30-Year Fixed Rate
30-Year
5.28%
5.70%
Rate5.28%
APR5.70%
Points0.000
UpdatedJun 16, 2026
Details

All stated mortgage rates are effective as of 6/15/2026 and are based on a home rate/term refinance transaction loan amount of $187,500 with a property value of at least $250,000 and repayments term as stated. APR is Annual Percentage Rate. Rates are subject to change and based on creditworthiness. Other rates may apply. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors. 30-year term = 360 months and applies to 30-year conventional and FHA loans. 15-year term = 180 months and applies to 15-year conventional loans. 10-year term = 120 months and applies to 10-year conventional loans. All loan programs, rates, terms and conditions are subject to change at any time without notice. Rate scenarios are based on a 30-day lock.

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
2019 S King St, Honolulu, HI, 96707 1878
30 Year Fixed Mortgage
30 years
5.50%
5.72%
Rate5.50%
APR5.72%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

PNB of Kewanee
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
109 W Maple Ave, Annawan, IL, 60420
30 Year Fixed Mortgage
30 Year
5.56%
5.73%
Rate5.56%
APR5.73%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; Interest Rate / APR*

PNB of Kewanee
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
109 W Maple Ave, Annawan, IL, 60420
30 Year Fixed Mortgages
30 Year
5.56%
5.73%
Rate5.56%
APR5.73%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI, 96701
30 Year Fixed Rate
30 Year
5.38%
5.75%
Rate5.38%
APR5.75%
Points2.500
UpdatedJun 16, 2026
Details

No additional details available.

Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
409 Riverwind Dr, Pearl, MS, 39208 5917
30 Year Fixed
360
5.75%
Rate
APR5.75%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

L and N Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
101 SPRING ST, Corbin, IN, 40014
30 YEAR MORTGAGES
5.75%
Rate
APR5.75%
Points0.000
UpdatedJun 16, 2026
Details

AS LOW AS

Chicago Patrolmens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
10343 S Pulaski Rd, Akron, IL, 44310
30-Year Fixed Mortgage
30-Year
5.75%
Rate
APR5.75%
Points0.000
UpdatedJun 16, 2026
Details

Built-In End of Watch Loan Protection on Every Eligible Mortgage!**

First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1601 Kenneth Rd, Dover, PA, 17315
30-Year Fixed-Rate Mortgage
30-Year Fixed
5.75%
Rate
APR5.75%
Points0.000
UpdatedJun 16, 2026
Details

More Information Downtown York

Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3921 Oakland Ave, Saint Joseph, MO, 64485
First Mortgage - 30 Year Fixed Rate
30 Year Fixed Rate
5.75%
Rate
APR5.75%
Points0.000
UpdatedJun 16, 2026
Details

Conventional; Call Leslie or Madison today at 816-279-5656 to help you with your mortgage loan!

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Charlotte, NC, 27612
30-Year Fixed
5.75%
5.75%
Rate5.75%
APR5.75%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; Downpayment: 5%; PMI:

Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1 Humphrey St, Beverly, MA, 01915
30-Year Fixed Rate Mortgage
30-Year
5.99%
5.75%
Rate5.99%
APR5.75%
Points0.000
UpdatedJun 16, 2026
Details

w/ automatic deduction

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
112 County Rd, Amesbury, MA, 01913
30 Year Fixed
5.50%
5.77%
Rate5.50%
APR5.77%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Evergreen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
133 N Richmond St, Appleton, WI, 54911 4635
30 Year Fixed
5.75%
5.79%
Rate5.75%
APR5.79%
Points0.000
UpdatedJun 16, 2026
Details

Annual Percentage Rate. 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 05/29/2026. APR is based on <= 90% loan to value and include $399.00 in origination costs. For limited cash out refinance or purchase.

Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
100 Chapman Farm Blvd, Beloit, WI, 53105
VA Mortgage Products 30-year Fixed
30-year
5.75%
5.80%
Rate5.75%
APR5.80%
Points0.000
UpdatedJun 16, 2026
Details

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.

15 Year Fixed Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
409 Riverwind Dr, Pearl, MS, 39208 5917
15 Year Fixed
180
5.00%
Rate
APR5.00%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI, 96701
15 Year Fixed Rate
15 Year
4.50%
5.06%
Rate4.50%
APR5.06%
Points2.125
UpdatedJun 16, 2026
Details

No additional details available.

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
100 SWIFT ST, BOSTON, MA, 02128 1864
15 Year Fixed
15 Year
5.25%
5.13%
Rate5.25%
APR5.13%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
1341 COVE RD, East Wareham, MA, 02538
15-Year Fixed
15-Year Fixed
5.00%
5.14%
Rate5.00%
APR5.14%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
2355 Maccorkle Ave, Saint Albans, WV, 25177 2008
15 Year Fixed Rate
15 Year Fixed
4.99%
5.19%
Rate4.99%
APR5.19%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1001 Mannheim Rd, Bellwood, IL, 60104
15-year fixed-rate mortgage
15-year
4.99%
5.22%
Rate4.99%
APR5.22%
Points0.000
UpdatedJun 16, 2026
Details

Special mortgage offer! Plus up to $500 off closing costs!

Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
10909 Randolph St, Hammond, IN, 46307
15 Year Fixed Mortgage
15 Year
4.99%
5.24%
Rate4.99%
APR5.24%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3333 Burnet Ave, Cincinnati, OH, 45229 3026
First Mortgage 15 Year Fixed Rate
180 months
5.25%
Rate
APR5.25%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3921 Oakland Ave, Saint Joseph, MO, 64485
First Mortgage - 15 Year Fixed Rate
15 Year Fixed Rate
5.25%
Rate
APR5.25%
Points0.000
UpdatedJun 16, 2026
Details

Conventional; Call Leslie or Madison today at 816-279-5656 to help you with your mortgage loan!

Destinations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
5401 Old Court Rd, Baltimore, MD, 21133 5103
Home Loans (15-Year Fixed)
15-Year Fixed
5.25%
Rate
APR5.25%
Points0.000
UpdatedJun 16, 2026
Details

As Low As

Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 13.81%
1010 S SOUTHEAST LOOP 323, Kilgore, TX, 75604
Mortgage 15 Year Fixed
15 Year Fixed
5.25%
Rate
APR5.25%
Points0.000
UpdatedJun 16, 2026
Details

As Low As

Premier Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
1715 Plymouth St, Chilton, WI, 53014
15-year fixed rate mortgage
15 Years
5.25%
Rate
APR5.25%
Points0.000
UpdatedJun 16, 2026
Details

Rate as low as

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Charlotte, NC, 27612
15-Year Fixed
5.25%
5.25%
Rate5.25%
APR5.25%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; Downpayment: 5%; PMI:

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI, 96701
15 Year Fixed Rate
15 Year
5.12%
5.36%
Rate5.12%
APR5.36%
Points0.000
UpdatedJun 16, 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%
Rate5.25%
APR5.36%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
170 S Rainbow Blvd, Henderson, NV, 89014
15-Year Fixed
15-Year Fixed
5.25%
5.36%
Rate5.25%
APR5.36%
Points0.000
UpdatedJun 11, 2026
Details

As Low As

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Hilo, GU, 96720
15 Year Fixed Rate
15 Year Fixed
5.38%
Rate
APR5.38%
Points1.750
UpdatedJun 16, 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 $1,620.93 based on a 15 Year Fixed Rate at 5.375% with 1.750 points and 5.872% APR. 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 6/12/26 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.

Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
1678 E 17th St, Brooklyn, NJ, 08861
15 year fixed
5.38%
Rate
APR5.38%
Points0.000
UpdatedJun 16, 2026
Details

Up to 1.0 points**

Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1105 Western Ave, Kronenwetter, WI, 54449 4918
1st Mortgage: 15 Year Fixed
15 years
5.37%
5.40%
Rate5.37%
APR5.40%
Points0.000
UpdatedJun 16, 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
5.38%
5.41%
Rate5.38%
APR5.41%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
15 Year Fixed Rate
15 Year
5.42%
Rate
APR5.42%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; Fixed Rate*

Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
15yr First Mortgage
15yr
5.42%
Rate
APR5.42%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
15 Year Fixed
15 Year Fixed
5.25%
5.42%
Rate5.25%
APR5.42%
Points0.000
UpdatedJun 16, 2026
Details

60 DAY LOCK; as low as

Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
15 Year Fixed First Mortgage
15 Year Fixed
5.25%
5.42%
Rate5.25%
APR5.42%
Points0.000
UpdatedJun 16, 2026
Details

60 DAY LOCK; as low as

Credit Union 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
111 Lower Mill Bay Rd, Anchorage, AK, 99501 3411
15-Year Fixed First time Homebuyer
5.12%
5.44%
Rate5.12%
APR5.44%
Points0.000
UpdatedJun 16, 2026
Details

Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 15 years

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%
Rate5.00%
APR5.45%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
100 Chapman Farm Blvd, Beloit, WI, 53105
VA Mortgage Products 15-year Fixed
15-year
5.38%
5.46%
Rate5.38%
APR5.46%
Points0.000
UpdatedJun 16, 2026
Details

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.

United Savings Bank Philadelphia, PA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1510 Packer Ave, Broomall, PA, 19008
15 Year Fixed
15 Year Fixed
5.25%
5.49%
Rate5.25%
APR5.49%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
1560 Garrett Rd, Aston, DE, 19014 1862
15-Year Fixed
15 Years
5.38%
5.49%
Rate5.38%
APR5.49%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

5/1 ARM Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
1030 Lee St, Alexander City, AL, 35010 2655
15 Year Amortization (5/1 ARM) 1st Mortgage
15 Year Amortization
4.50%
Rate
APR4.50%
Points0.000
UpdatedJun 16, 2026
Details

80% LTV

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
1030 Lee St, Alexander City, AL, 35010 2655
Adjustable Rate Mortgages ("ARM")
15 Year Amortization (5/1 ARM)
4.50%
Rate
APR4.50%
Points0.000
UpdatedJun 16, 2026
Details

80% LTV

Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
1111 24th St W, Billings, MT, 59019 7569
5/5/5 ARM
5/15 variable
4.50%
Rate
APR4.50%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; 1st Mortgage

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, Chicago, CA, 10036 1308
5/1 ARM
4.50%
4.61%
Rate4.50%
APR4.61%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
1030 Lee St, Alexander City, AL, 35010 2655
30 Year Amortization (5/1 ARM) 1st Mortgage
30 Year Amortization
4.75%
Rate
APR4.75%
Points0.000
UpdatedJun 16, 2026
Details

80% LTV

MIDWEST AMERICA
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1104 Medical Park Dr, Angola, IN, 46703
5/5 ARMs
4.90%
Rate
APR4.90%
Points0.000
UpdatedJun 11, 2026
Details

Special home loan financing all June long. As Low As

St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1511 US Highway 131, Harbor Springs, MI, 49740 9617
5/5 ARM (15-Year Term)
15-Year Term
5.00%
Rate
APR5.00%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
1 South St, Baltimore, MD, 21133 4706
5/1 ARM Adjustable Rate
5.00%
Rate
APR5.00%
Points0.000
UpdatedJun 16, 2026
Details

As Low As

Greenville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
107 W Church St, Greenville, SC, 29607
5/1 ARM
5.12%
Rate
APR5.12%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; (rates include Jumbo loans)

802 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
105 Westminster St, Barre, VT, 05001 4720
5/1 ARM
5.00%
5.15%
Rate5.00%
APR5.15%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Taupa Lithuanian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
100 Hillside Ave, Quincy, MA, 02127 2272
5/1 Year ARM
5.25%
Rate
APR5.25%
Points0.000
UpdatedJun 16, 2026
Details

with closing costs

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
2355 Maccorkle Ave, Saint Albans, WV, 25177 2008
5/1 ARM
5.24%
5.30%
Rate5.24%
APR5.30%
Points0.000
UpdatedJun 16, 2026
Details

As Low As

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
100 SWIFT ST, BOSTON, MA, 02128 1864
5/1 ARM
5.50%
5.35%
Rate5.50%
APR5.35%
Points0.000
UpdatedJun 16, 2026
Details

2/5 Caps

Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
1678 E 17th St, Brooklyn, NJ, 08861
5/1 year ARM (30 year payout)
5.38%
Rate
APR5.38%
Points0.000
UpdatedJun 16, 2026
Details

Up to 1.0 points**

OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1 Denso Rd, Bangor, MI, 49001
5/1 30 Year ARM
30 Year
5.38%
Rate
APR5.38%
Points0.000
UpdatedJun 16, 2026
Details

5.524 APR

Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
100 Chapman Farm Blvd, Beloit, WI, 53105
5/1 ARM
5.38%
5.42%
Rate5.38%
APR5.42%
Points0.000
UpdatedJun 16, 2026
Details

Up to 30-year amortization. Closing costs = $1,600. The rate can then change by 1% after the first five years and every year after. The rate cannot increase more than 8% during the life of the loan.

USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
2705 NW EXPRESSWAY, Dallas, OK, 73112 7047
ARM (Adjustable Rate Mortgage)
15 Year; 5/1
4.50%
5.44%
Rate4.50%
APR5.44%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1400 W Raymond St, Indianapolis, IN, 46202
5/5 ARM 30 Year
30 Year
6.12%
5.47%
Rate6.12%
APR5.47%
Points0.000
UpdatedJun 16, 2026
Details

Initial Monthly Payment: Months 1-60 $1,822.83; Maximum Monthly Payment: Months 61-360 $2,127.00

UMe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3000 W Magnolia Blvd, Burbank, CA, 91505 3043
5/1 ARM
5.49%
Rate
APR5.49%
Points0.000
UpdatedJun 16, 2026
Details

Rates updated 6/8/2026. Rates subject to change daily. Rates and payments listed above are based on a rate and term refinance on an Single Family Residence, with a $500,000 loan amount, a 720 FICO score, a 60% LTV ratio, and <40% DTI ratio. Files are underwritten on a case by case basis. All applications are subject to credit, income, asset, and property approval. Payments listed are for principal and interest only. Tax and insurance impounds are available and are required on some scenarios. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Property insurance is required on all financed properties. Maximum loan limits apply. Additional programs and rates available, call for info. Payments listed are for principal and interest only. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed-rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year.

St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
1511 US Highway 131, Harbor Springs, MI, 49740 9617
5/5 ARM (30-Year Term)
30-Year Term
5.50%
Rate
APR5.50%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

30-Year Jumbo Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1001 Kamokila Blvd Ste 104, Aiea, HI, 89123 8004
30 Year Jumbo Loan
30 Year
5.00%
5.21%
Rate5.00%
APR5.21%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 3/3/30 Year - 1 Yr. TCM Loan
360
5.25%
Rate
APR5.25%
Points0.000
UpdatedJun 11, 2026
Details

No additional details available.

Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
111 Aupuni St, Hilo, HI, 96720 4233
Jumbo 5/30 Balloon Owner-Occupied Loan
30
5.38%
5.35%
Rate5.38%
APR5.35%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1001 Kamokila Blvd Ste 104, Aiea, HI, 89123 8004
30 Year Jumbo Loan
30 Year
5.38%
5.50%
Rate5.38%
APR5.50%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 5/5/30 Year - 1 Yr. TCM Loan
360
5.50%
Rate
APR5.50%
Points0.000
UpdatedJun 11, 2026
Details

No additional details available.

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo One-Time Close Construction 10 years Loan
10 years
5.38%
5.61%
Rate5.38%
APR5.61%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; Estimated Payment per $10,000: $107.91

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1077 State Route 3 N, Annapolis, MD, 20701
10 Year Jumbo Loan
5.50%
5.70%
Rate5.50%
APR5.70%
Points0.625
UpdatedJun 16, 2026
Details

As Low As

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1077 State Route 3 N, Annapolis, MD, 20701
10 Year Jumbo Loan
5.62%
5.79%
Rate5.62%
APR5.79%
Points0.375
UpdatedJun 16, 2026
Details

As Low As

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1077 State Route 3 N, Annapolis, MD, 20701
10 Year Jumbo Loan
5.75%
5.81%
Rate5.75%
APR5.81%
Points0.000
UpdatedJun 16, 2026
Details

As Low As

WVS West View SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Norman Dr, Cranberry Township, PA, 15090
10 Yr Jumbo Loan
10 Yr
5.50%
5.85%
Rate5.50%
APR5.85%
Points0.000
UpdatedJun 16, 2026
Details

Loan Amount: $832,751 - $1,500,000

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI, 96701
30 Year Jumbo Fixed Rate
30 Year
5.50%
5.87%
Rate5.50%
APR5.87%
Points2.375
UpdatedJun 16, 2026
Details

No additional details available.

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 7/2/30 Year - 1 Yr. TCM Loan
360
5.88%
Rate
APR5.88%
Points0.000
UpdatedJun 11, 2026
Details

No additional details available.

University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
1121 S University Ave, Ann Arbor, MI, 48103
Jumbo Mortgage
10 year
5.88%
Rate
APR5.88%
Points0.000
UpdatedJun 16, 2026
Details

Fixed Rate

Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
1 Liberty Square Cir, Albuquerque, CA, 81301 5104
Jumbo 5/5 1 Loan
30 Years
5.75%
5.90%
Rate5.75%
APR5.90%
Points0.000
UpdatedJun 16, 2026
Details

As low as; Rate: 5.750%

Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1051 S West End Blvd, Allentown, PA, 18017
Jumbo-Fixed Rate Mortgages 20 Years
20 Years
5.88%
5.93%
Rate5.88%
APR5.93%
Points0.000
UpdatedJun 16, 2026
Details

Rate Lock: 60 Day

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
1690 Main St, Brockton, MA, 02048 1223
10 Year Fixed Rate - Jumbo
120
5.88%
5.98%
Rate5.88%
APR5.98%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI, 96701
30 Year Jumbo Fixed Rate
30 Year
5.75%
6.00%
Rate5.75%
APR6.00%
Points1.125
UpdatedJun 16, 2026
Details

No additional details available.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI, 96701
30-Year Jumbo Mortgage
30-Year
6.00%
Rate
APR6.00%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1 Crane Park Dr Ste 4, Ludlow, MA, 01056
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 10 Year
10 Year
6.00%
6.04%
Rate6.00%
APR6.04%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1051 S West End Blvd, Allentown, PA, 18017
Jumbo-Fixed Rate Mortgages 30 Years
30 Years
6.00%
6.04%
Rate6.00%
APR6.04%
Points0.000
UpdatedJun 16, 2026
Details

Rate Lock: 60 Day

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30yr Jumbo Fixed Rate Mortgage
360
6.00%
6.12%
Rate6.00%
APR6.12%
Points0.875
UpdatedJun 16, 2026
Details

payment example

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1105 Summer St, Andover, MA, 01810
30-Year Fixed Jumbo
30 Years
6.12%
6.14%
Rate6.12%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

20% Down; Maximum Loan Amount: See note 2; Property must be located in TSB's CRA area: Andover, Lawrence, Lynnfield, Melrose, Methuen, Middleton, North Reading, Reading, Saugus, Stoneham, Wakefield, and Wilmington. Jumbo Loan minimum FICO score of 700.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1 Crane Park Dr Ste 4, Ludlow, MA, 01056
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 10 Year
10 Year
5.88%
6.14%
Rate5.88%
APR6.14%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1000 S Mays St, Austin, TX, 76548 1745
30-Year Jumbo Fixed
30 years
6.12%
6.14%
Rate6.12%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

As low as 6.125%

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1000 S Mays St, Austin, TX, 76548 1745
30-Year Jumbo Fixed Refinance
30 years
6.12%
6.14%
Rate6.12%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

As low as; Estimated Payment: $5,061.40 per month for 30 years

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI, 96701
30 Year Jumbo Fixed Rate
30 Year
6.00%
6.14%
Rate6.00%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
1690 Main St, Brockton, MA, 02048 1223
20 Year Fixed Rate - Jumbo
240
6.12%
6.18%
Rate6.12%
APR6.18%
Points0.000
UpdatedJun 16, 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
30 Year Fixed (Jumbo)
6.12%
6.20%
Rate6.12%
APR6.20%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

WVS West View SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Norman Dr, Cranberry Township, PA, 15090
20 Yr Jumbo Loan
20 Yr
6.00%
6.21%
Rate6.00%
APR6.21%
Points0.000
UpdatedJun 16, 2026
Details

Loan Amount: $832,751 - $1,500,000

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo One-Time Close Construction 20 years Loan
20 years
6.12%
6.21%
Rate6.12%
APR6.21%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; Estimated Payment per $10,000: $72.37

California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1060 University Ave Ste A101, Chula Vista, CA, 91910 7487
20-year Jumbo Fixed
20-year
6.12%
6.23%
Rate6.12%
APR6.23%
Points0.250
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1 Crane Park Dr Ste 4, Ludlow, MA, 01056
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 10 Year
10 Year
5.75%
6.23%
Rate5.75%
APR6.23%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10610 Potranco Rd, Fredericksburg, TX, 78121 4495
Jumbo 30yr Loan
30yr
6.12%
6.23%
Rate6.12%
APR6.23%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

15-Year Jumbo Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1001 Kamokila Blvd Ste 104, Aiea, HI, 89123 8004
30 Year Jumbo Loan
30 Year
5.00%
5.21%
Rate5.00%
APR5.21%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 3/3/30 Year - 1 Yr. TCM Loan
360
5.25%
Rate
APR5.25%
Points0.000
UpdatedJun 11, 2026
Details

No additional details available.

Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
111 Aupuni St, Hilo, HI, 96720 4233
Jumbo 5/30 Balloon Owner-Occupied Loan
30
5.38%
5.35%
Rate5.38%
APR5.35%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1001 Kamokila Blvd Ste 104, Aiea, HI, 89123 8004
30 Year Jumbo Loan
30 Year
5.38%
5.50%
Rate5.38%
APR5.50%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 5/5/30 Year - 1 Yr. TCM Loan
360
5.50%
Rate
APR5.50%
Points0.000
UpdatedJun 11, 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 (Jumbo)
5.50%
5.59%
Rate5.50%
APR5.59%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo One-Time Close Construction 10 years Loan
10 years
5.38%
5.61%
Rate5.38%
APR5.61%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; Estimated Payment per $10,000: $107.91

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1077 State Route 3 N, Annapolis, MD, 20701
10 Year Jumbo Loan
5.50%
5.70%
Rate5.50%
APR5.70%
Points0.625
UpdatedJun 16, 2026
Details

As Low As

The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
1030 Shaw Ave, Atascadero, CA, 91762
15-Year Fixed Jumbo Purchase
5.75%
5.76%
Rate5.75%
APR5.76%
Points0.125
UpdatedJun 16, 2026
Details

No additional details available.

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1077 State Route 3 N, Annapolis, MD, 20701
15 Year Jumbo Loan
5.62%
5.78%
Rate5.62%
APR5.78%
Points0.750
UpdatedJun 16, 2026
Details

As Low As

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1077 State Route 3 N, Annapolis, MD, 20701
10 Year Jumbo Loan
5.62%
5.79%
Rate5.62%
APR5.79%
Points0.375
UpdatedJun 16, 2026
Details

As Low As

Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
10725 Magnolia Ave, Banning, CA, 91752
15 Year - Jumbo Fixed
15 Year
5.50%
5.79%
Rate5.50%
APR5.79%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1077 State Route 3 N, Annapolis, MD, 20701
10 Year Jumbo Loan
5.75%
5.81%
Rate5.75%
APR5.81%
Points0.000
UpdatedJun 16, 2026
Details

As Low As

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
101 W Division St, Algonquin, IL, 48072
Jumbo Fixed-Rate Mortgages
15 Year
5.82%
Rate
APR5.82%
Points1.000
UpdatedJun 16, 2026
Details

As Low As; 5.625%

Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1051 S West End Blvd, Allentown, PA, 18017
Jumbo-Fixed Rate Mortgages 15 Years
15 Years
5.75%
5.82%
Rate5.75%
APR5.82%
Points0.000
UpdatedJun 16, 2026
Details

Rate Lock: 60 Day

WVS West View SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Norman Dr, Cranberry Township, PA, 15090
10 Yr Jumbo Loan
10 Yr
5.50%
5.85%
Rate5.50%
APR5.85%
Points0.000
UpdatedJun 16, 2026
Details

Loan Amount: $832,751 - $1,500,000

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1 Carmichael St, Barre, VT, 05401 4441
Jumbo Programs 15 Year Fixed
15 Year Fixed
5.75%
5.86%
Rate5.75%
APR5.86%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
15yr Jumbo Fixed Rate Conventional
180
5.62%
5.86%
Rate5.62%
APR5.86%
Points1.125
UpdatedJun 16, 2026
Details

payment example

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI, 96701
30 Year Jumbo Fixed Rate
30 Year
5.50%
5.87%
Rate5.50%
APR5.87%
Points2.375
UpdatedJun 16, 2026
Details

No additional details available.

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1077 State Route 3 N, Annapolis, MD, 20701
15 Year Jumbo Loan
5.75%
5.87%
Rate5.75%
APR5.87%
Points0.375
UpdatedJun 16, 2026
Details

As Low As

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 7/2/30 Year - 1 Yr. TCM Loan
360
5.88%
Rate
APR5.88%
Points0.000
UpdatedJun 11, 2026
Details

No additional details available.

University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
1121 S University Ave, Ann Arbor, MI, 48103
Jumbo Mortgage
10 year
5.88%
Rate
APR5.88%
Points0.000
UpdatedJun 16, 2026
Details

Fixed Rate

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo One-Time Close Construction 15 years Loan
15 years
5.62%
5.88%
Rate5.62%
APR5.88%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; Estimated Payment per $10,000: $82.37

WVS West View SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Norman Dr, Cranberry Township, PA, 15090
15 Yr Jumbo Loan
15 Yr
5.62%
5.88%
Rate5.62%
APR5.88%
Points0.000
UpdatedJun 16, 2026
Details

Loan Amount: $832,751 - $1,500,000

Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
1 Liberty Square Cir, Albuquerque, CA, 81301 5104
Jumbo 5/5 1 Loan
30 Years
5.75%
5.90%
Rate5.75%
APR5.90%
Points0.000
UpdatedJun 16, 2026
Details

As low as; Rate: 5.750%

Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
10169 S Parker Rd, Arvada, CO, 80003
Jumbo 15-Year Fixed - Purchase
15-Year Fixed
5.88%
5.91%
Rate5.88%
APR5.91%
Points0.000
UpdatedJun 16, 2026
Details

Discount: 0.000%

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1077 State Route 3 N, Annapolis, MD, 20701
15 Year Jumbo Loan
5.88%
5.92%
Rate5.88%
APR5.92%
Points0.000
UpdatedJun 16, 2026
Details

As Low As

Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1051 S West End Blvd, Allentown, PA, 18017
Jumbo-Fixed Rate Mortgages 20 Years
20 Years
5.88%
5.93%
Rate5.88%
APR5.93%
Points0.000
UpdatedJun 16, 2026
Details

Rate Lock: 60 Day

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
1690 Main St, Brockton, MA, 02048 1223
10 Year Fixed Rate - Jumbo
120
5.88%
5.98%
Rate5.88%
APR5.98%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1 Pool St, Berlin, ME, 03106
Jumbo 15-Year Fixed Mortgage
5.88%
5.99%
Rate5.88%
APR5.99%
Points0.000
UpdatedJun 11, 2026
Details

No additional details available.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI, 96701
30 Year Jumbo Fixed Rate
30 Year
5.75%
6.00%
Rate5.75%
APR6.00%
Points1.125
UpdatedJun 16, 2026
Details

No additional details available.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI, 96701
30-Year Jumbo Mortgage
30-Year
6.00%
Rate
APR6.00%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1060 University Ave Ste A101, Chula Vista, CA, 91910 7487
15-year Jumbo Fixed
15-year
5.88%
6.00%
Rate5.88%
APR6.00%
Points0.250
UpdatedJun 16, 2026
Details

No additional details available.

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1000 S Mays St, Austin, TX, 76548 1745
15-Year Jumbo Fixed
15 years
6.00%
6.03%
Rate6.00%
APR6.03%
Points0.000
UpdatedJun 16, 2026
Details

As low as 6.00%

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1000 S Mays St, Austin, TX, 76548 1745
15-Year Jumbo Fixed Refinance
15 years
6.00%
6.03%
Rate6.00%
APR6.03%
Points0.000
UpdatedJun 16, 2026
Details

As low as; Estimated Payment: $7,029.33 per month for 15 years

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1 Crane Park Dr Ste 4, Ludlow, MA, 01056
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 10 Year
10 Year
6.00%
6.04%
Rate6.00%
APR6.04%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1051 S West End Blvd, Allentown, PA, 18017
Jumbo-Fixed Rate Mortgages 30 Years
30 Years
6.00%
6.04%
Rate6.00%
APR6.04%
Points0.000
UpdatedJun 16, 2026
Details

Rate Lock: 60 Day

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
15yr Jumbo Fixed Rate Conventional
180
6.00%
6.06%
Rate6.00%
APR6.06%
Points0.000
UpdatedJun 16, 2026
Details

payment example

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
1690 Main St, Brockton, MA, 02048 1223
15 Year Fixed Rate - Jumbo
180
6.00%
6.07%
Rate6.00%
APR6.07%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30yr Jumbo Fixed Rate Mortgage
360
6.00%
6.12%
Rate6.00%
APR6.12%
Points0.875
UpdatedJun 16, 2026
Details

payment example

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1105 Summer St, Andover, MA, 01810
30-Year Fixed Jumbo
30 Years
6.12%
6.14%
Rate6.12%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

20% Down; Maximum Loan Amount: See note 2; Property must be located in TSB's CRA area: Andover, Lawrence, Lynnfield, Melrose, Methuen, Middleton, North Reading, Reading, Saugus, Stoneham, Wakefield, and Wilmington. Jumbo Loan minimum FICO score of 700.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1 Crane Park Dr Ste 4, Ludlow, MA, 01056
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 10 Year
10 Year
5.88%
6.14%
Rate5.88%
APR6.14%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1061 Thomas Jefferson St Nw, Boston, DC, 02025
15 YR Jumbo Loan
15 YR
6.14%
Rate
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

Jumbo

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1000 S Mays St, Austin, TX, 76548 1745
30-Year Jumbo Fixed
30 years
6.12%
6.14%
Rate6.12%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

As low as 6.125%

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1000 S Mays St, Austin, TX, 76548 1745
30-Year Jumbo Fixed Refinance
30 years
6.12%
6.14%
Rate6.12%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

As low as; Estimated Payment: $5,061.40 per month for 30 years

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI, 96701
30 Year Jumbo Fixed Rate
30 Year
6.00%
6.14%
Rate6.00%
APR6.14%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo Fixed Rate 15 years
15 years
5.50%
6.15%
Rate5.50%
APR6.15%
Points0.000
UpdatedJun 16, 2026
Details

As Low As

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1 Crane Park Dr Ste 4, Ludlow, MA, 01056
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 15 Year
15 Year
6.12%
6.16%
Rate6.12%
APR6.16%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
1 Liberty Square Cir, Albuquerque, CA, 81301 5104
Jumbo 15/15 Loan
30 Years
6.00%
6.17%
Rate6.00%
APR6.17%
Points0.000
UpdatedJun 16, 2026
Details

As low as 6.000% Rate; As low as 6.168% APR

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
1690 Main St, Brockton, MA, 02048 1223
20 Year Fixed Rate - Jumbo
240
6.12%
6.18%
Rate6.12%
APR6.18%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1 Crane Park Dr Ste 4, Ludlow, MA, 01056
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 15 Year
15 Year
5.88%
6.19%
Rate5.88%
APR6.19%
Points1.000
UpdatedJun 16, 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
30 Year Fixed (Jumbo)
6.12%
6.20%
Rate6.12%
APR6.20%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

WVS West View SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Norman Dr, Cranberry Township, PA, 15090
20 Yr Jumbo Loan
20 Yr
6.00%
6.21%
Rate6.00%
APR6.21%
Points0.000
UpdatedJun 16, 2026
Details

Loan Amount: $832,751 - $1,500,000

Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo One-Time Close Construction 20 years Loan
20 years
6.12%
6.21%
Rate6.12%
APR6.21%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; Estimated Payment per $10,000: $72.37

Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
14750 Victor Hugo Blvd N, Eagan, MN, 55038 4561
15 Yr. Fixed - Jumbo
6.12%
6.22%
Rate6.12%
APR6.22%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1060 University Ave Ste A101, Chula Vista, CA, 91910 7487
20-year Jumbo Fixed
20-year
6.12%
6.23%
Rate6.12%
APR6.23%
Points0.250
UpdatedJun 16, 2026
Details

No additional details available.

Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1 Crane Park Dr Ste 4, Ludlow, MA, 01056
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo 10 Year
10 Year
5.75%
6.23%
Rate5.75%
APR6.23%
Points2.000
UpdatedJun 16, 2026
Details

No additional details available.

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
10000 N Central Expy Ste 111, Allen, AK, 28226
15 Yr Fixed Jumbo
6.00%
6.23%
Rate6.00%
APR6.23%
Points0.870
UpdatedJun 11, 2026
Details

No additional details available.

Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10610 Potranco Rd, Fredericksburg, TX, 78121 4495
Jumbo 30yr Loan
30yr
6.12%
6.23%
Rate6.12%
APR6.23%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

5/1 Jumbo ARM Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo ARM (5/5) 30 years
30 years
5.38%
5.41%
Rate5.38%
APR5.41%
Points0.000
UpdatedJun 16, 2026
Details

As Low As

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 5/5/30 Year - 1 Yr. TCM Loan
360
5.50%
Rate
APR5.50%
Points0.000
UpdatedJun 11, 2026
Details

No additional details available.

Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
1 Liberty Square Cir, Albuquerque, CA, 81301 5104
Jumbo 5/5 1 Loan
30 Years
5.75%
5.90%
Rate5.75%
APR5.90%
Points0.000
UpdatedJun 16, 2026
Details

As low as; Rate: 5.750%

Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
1 Liberty Square Cir, Albuquerque, CA, 81301 5104
Jumbo 15/15 Loan
30 Years
6.00%
6.17%
Rate6.00%
APR6.17%
Points0.000
UpdatedJun 16, 2026
Details

As low as 6.000% Rate; As low as 6.168% APR

California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1060 University Ave Ste A101, Chula Vista, CA, 91910 7487
5/1 Jumbo ARM
5.50%
6.23%
Rate5.50%
APR6.23%
Points0.000
UpdatedJun 16, 2026
Details

Jumbo ARM8

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
101 W Division St, Algonquin, IL, 48072
Jumbo Adjustable-Rate Mortgages
5/1
6.27%
Rate
APR6.27%
Points0.000
UpdatedJun 16, 2026
Details

As Low As; 6.000%

California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1060 University Ave Ste A101, Chula Vista, CA, 91910 7487
5/5 Jumbo ARM
5.62%
6.28%
Rate5.62%
APR6.28%
Points0.000
UpdatedJun 16, 2026
Details

Jumbo ARM7

Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
18 W Thousand Oaks Blvd, Camarillo, CA, 91360 4458
5/5 ARM 2/2/5 Jumbo 5 YR Treasury CMT*(2)
5.75%
6.29%
Rate5.75%
APR6.29%
Points0.000
UpdatedJun 11, 2026
Details

As Low As; Rate (as low as)

Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1061 Thomas Jefferson St Nw, Boston, DC, 02025
5/5 ARM (Jumbo)
5/5 ARM
6.35%
Rate
APR6.35%
Points0.000
UpdatedJun 16, 2026
Details

Jumbo

FHA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
1155 W Park Lane, American Fork, UT, 84003
FHA Fixed
15 Years
4.88%
5.22%
Rate4.88%
APR5.22%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
1155 W Park Lane, American Fork, UT, 84003
FHA Fixed
30 Years
5.49%
5.70%
Rate5.49%
APR5.70%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
1 National Life Dr, Alburgh, NY, 05403
Mortgages/FHA Loans
5 years
5.70%
Rate
APR5.70%
Points0.000
UpdatedJun 16, 2026
Details

APR* as low as

FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD, 20903 1058
FHA 30-Year Fixed Rate
30-Year
5.28%
5.70%
Rate5.28%
APR5.70%
Points0.000
UpdatedJun 16, 2026
Details

All stated mortgage rates are effective as of 6/15/2026 and are based on a home rate/term refinance transaction loan amount of $187,500 with a property value of at least $250,000 and repayments term as stated. APR is Annual Percentage Rate. Rates are subject to change and based on creditworthiness. Other rates may apply. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors. 30-year term = 360 months and applies to 30-year conventional and FHA loans. 15-year term = 180 months and applies to 15-year conventional loans. 10-year term = 120 months and applies to 10-year conventional loans. All loan programs, rates, terms and conditions are subject to change at any time without notice. Rate scenarios are based on a 30-day lock.

WyHy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.93%
110 Commerce Dr, Casper, WY, 82009 7359
30 year FHA Loan
30 year
5.88%
Rate
APR5.88%
Points0.000
UpdatedJun 16, 2026
Details

As Low As

Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
12501 Antioch Rd, Kansas City, KS, 66106
FHA / VA 15 Yr Fixed
15 Yr
5.72%
5.90%
Rate5.72%
APR5.90%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
1030 Shaw Ave, Atascadero, CA, 91762
30-Year Fixed FHA Purchase
5.25%
5.94%
Rate5.25%
APR5.94%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
280 N Pantano Rd, Tucson, AZ, 85705 1551
FHA Loan (Purchase)
5.99%
Rate
APR5.99%
Points0.000
UpdatedJun 16, 2026
Details

Fixed

Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
10150 W Desert River Blvd, Avondale, AZ, 85008 2442
30 Year FHA Loan
5.75%
6.04%
Rate5.75%
APR6.04%
Points1.750
UpdatedJun 11, 2026
Details

No additional details available.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1 BayPort Way Ste 105, Chesapeake, VA, 23061
FHA Loan
30 years
5.88%
6.06%
Rate5.88%
APR6.06%
Points0.375
UpdatedJun 16, 2026
Details

Origination Fee: $1595

Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1115 Sagamore Pkwy S, Covington, IN, 46041
FHA Loans
30-year rate shown
6.10%
Rate
APR6.10%
Points0.000
UpdatedJun 16, 2026
Details

Rates are subject to change without notice.

Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
12501 Antioch Rd, Kansas City, KS, 66106
FHA / VA 30 Yr Fixed
30 Yr
6.01%
6.11%
Rate6.01%
APR6.11%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
Mortgage FHA 30 Year Fixed
30 Year Fixed
5.88%
6.17%
Rate5.88%
APR6.17%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
10025 Baltimore National Pike, Annapolis, MD, 20740
FHA 30 Year Fixed
5.88%
6.17%
Rate5.88%
APR6.17%
Points0.875
UpdatedJun 16, 2026
Details

No additional details available.

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
10025 Baltimore National Pike, Annapolis, MD, 20740
Mortgage FHA 30 Year Fixed
30 Year Fixed
5.88%
6.17%
Rate5.88%
APR6.17%
Points0.000
UpdatedJun 16, 2026
Details

As of June 15, 2026

Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC, 27870
FHA/VA Loan
30
5.75%
6.18%
Rate5.75%
APR6.18%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
1000 E 32nd St, Alba, MO, 64755
30-year fixed rate FHA
30-year
6.00%
6.24%
Rate6.00%
APR6.24%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1100 NE Weidler St, Albany, OR, 97005
FHA Loan
6.12%
6.24%
Rate6.12%
APR6.24%
Points0.500
UpdatedJun 16, 2026
Details

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. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.

Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1400 W Raymond St, Indianapolis, IN, 46202
FHA Loan Purchase 15-Year Fixed
5.62%
6.36%
Rate5.62%
APR6.36%
Points-0.125
UpdatedJun 16, 2026
Details

No additional details available.

Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1400 W Raymond St, Indianapolis, IN, 46202
FHA Loan Refinance 15-Year Fixed
180 months
5.62%
6.36%
Rate5.62%
APR6.36%
Points-0.125
UpdatedJun 16, 2026
Details

No additional details available.

University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
115 W Oklahoma Ave, Elm Grove, WI, 53066
FHA Loans
FHA Loans
6.12%
6.36%
Rate6.12%
APR6.36%
Points0.000
UpdatedJun 16, 2026
Details

As Low As

Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
1028 Us Route 302, Berlin, NH, 03251
30 Year Fixed Rate MOVE RD, VA, FHA
30 Year Fixed
5.75%
6.38%
Rate5.75%
APR6.38%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 Queens Rd, Advance, NC, 27006
FHA 30 Year (FHA) Loan
30 Year
6.38%
6.47%
Rate6.38%
APR6.47%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
2705 NW EXPRESSWAY, Dallas, OK, 73112 7047
FHA Loan
15 Year Fixed
5.62%
6.47%
Rate5.62%
APR6.47%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1010 Riley St Ste 5, Anaheim, CA, 90045
15 Year FHA Loan
15 Year
5.62%
6.47%
Rate5.62%
APR6.47%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA - Fixed-Rate Mortgages 15 Year
15 Year
5.62%
6.47%
Rate5.62%
APR6.47%
Points1.000
UpdatedJun 16, 2026
Details

No additional details available.

First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
11555 26 Mile Rd, Chesterfield, MI, 48021
FHA Loan
30-Year
5.88%
6.49%
Rate5.88%
APR6.49%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1 Denso Rd, Bangor, MI, 49001
FHA 30 Year Fixed
30 Year Fixed
6.50%
Rate
APR6.50%
Points0.000
UpdatedJun 16, 2026
Details

6.660% APR

SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
110 International Way, Albany, OR, 97210
30 Year FHA Loan
30 Year FHA
5.75%
6.51%
Rate5.75%
APR6.51%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
10 N Nansemond St Ste 6, Charlottesville, VA, 22401 4974
30 Year FHA Fixed Rate
360
6.50%
6.53%
Rate6.50%
APR6.53%
Points-0.375
UpdatedJun 16, 2026
Details

payment example

VA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
100 Chapman Farm Blvd, Beloit, WI, 53105
VA Mortgage Products 15-year Fixed
15-year
5.38%
5.46%
Rate5.38%
APR5.46%
Points0.000
UpdatedJun 16, 2026
Details

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.

St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
806 Bedford St, Fall River, MA, 02723
30 Years 3 year/1 year variable rate Loan
30 Years
5.50%
Rate
APR5.50%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
1811 N Hutchinson Rd, Greenfield, WA, 53220 4608
VA Loan
5.50%
Rate
APR5.50%
Points0.000
UpdatedJun 16, 2026
Details

Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
118 W Main St, Auburn, MA, 01420 4327
5&1 Fixed Variable ARM
5.38%
5.65%
Rate5.38%
APR5.65%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
1155 W Park Lane, American Fork, UT, 84003
VA Fixed
30 Years
5.49%
5.73%
Rate5.49%
APR5.73%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
100 Chapman Farm Blvd, Beloit, WI, 53105
VA Mortgage Products 30-year Fixed
30-year
5.75%
5.80%
Rate5.75%
APR5.80%
Points0.000
UpdatedJun 16, 2026
Details

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.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
118 W Main St, Auburn, MA, 01420 4327
7&1 Fixed Variable ARM
5.50%
5.80%
Rate5.50%
APR5.80%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

WyHy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.93%
110 Commerce Dr, Casper, WY, 82009 7359
30 year VA Loan
30 year
5.88%
Rate
APR5.88%
Points0.000
UpdatedJun 16, 2026
Details

As Low As

Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
12501 Antioch Rd, Kansas City, KS, 66106
FHA / VA 15 Yr Fixed
15 Yr
5.72%
5.90%
Rate5.72%
APR5.90%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
11th Floor Express Tower Nariman Point, Aberdeen England, 00000
30-Year Fixed-Rate VA
30-Year
5.75%
5.95%
Rate5.75%
APR5.95%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
110 International Way, Albany, OR, 97210
30 Year VA Loan
30 Year VA
5.88%
5.99%
Rate5.88%
APR5.99%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1100 8th Ave, Alburnett, IA, 52202
VA Loans
6.00%
Rate
APR6.00%
Points0.000
UpdatedJun 16, 2026
Details

Interest Rate

BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1002 Park Ave N, Auburn, SC, 29418
VA 30 Year Fixed Rate
30 Year
6.01%
Rate
APR6.01%
Points0.000
UpdatedJun 16, 2026
Details

VA Purchase 0% Down

Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
11100 Weymouth Ct, Charlotte Hall, MD, 20603
Federal VA 30 Year Fixed Rate
30 Year
6.00%
6.01%
Rate6.00%
APR6.01%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10161 W Grand Parkway, Cypress, TX, 77040 6229
VA Loan
5.75%
6.06%
Rate5.75%
APR6.06%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1302 S Grandstaff Dr, Angola, IN, 28054
30-Year VA Loan
30 years
5.75%
6.08%
Rate5.75%
APR6.08%
Points0.000
UpdatedJun 16, 2026
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
VA Home Loan
5.75%
6.09%
Rate5.75%
APR6.09%
Points0.000
UpdatedJun 16, 2026
Details

As Low As

Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1115 Sagamore Pkwy S, Covington, IN, 46041
VA Loans
30-year rate shown
6.10%
Rate
APR6.10%
Points0.000
UpdatedJun 16, 2026
Details

Rates are subject to change without notice.

Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1118 Mainstreet Ste 2, Albert Lea, MN, 55008 4149
15-Year VA Fixed-Rate, Conventional
6.00%
6.10%
Rate6.00%
APR6.10%
Points0.000
UpdatedJun 16, 2026
Details

For a $250,000 Loan

SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
10750 France Ave S, Andover, MN, 55304
VA IRRRL 30-Year Fixed
6.00%
6.11%
Rate6.00%
APR6.11%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
12501 Antioch Rd, Kansas City, KS, 66106
FHA / VA 30 Yr Fixed
30 Yr
6.01%
6.11%
Rate6.01%
APR6.11%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
118 W Main St, Auburn, MA, 01420 4327
7&3 Fixed Variable ARM
5.62%
6.11%
Rate5.62%
APR6.11%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
10150 W Desert River Blvd, Avondale, AZ, 85008 2442
15 Year VA Loan
5.38%
6.14%
Rate5.38%
APR6.14%
Points1.875
UpdatedJun 11, 2026
Details

No additional details available.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1 BayPort Way Ste 105, Chesapeake, VA, 23061
VA Loan
30 years
5.99%
6.14%
Rate5.99%
APR6.14%
Points0.125
UpdatedJun 16, 2026
Details

Origination Fee: $0

Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
13246 State Route 176, Drakesboro, KY, 40223
VA 30 Year Fixed - Conforming
360
6.00%
6.16%
Rate6.00%
APR6.16%
Points0.000
UpdatedJun 16, 2026
Details

Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000.

Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC, 27870
FHA/VA Loan
30
5.75%
6.18%
Rate5.75%
APR6.18%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
170 Bluestone Dr, Alexandria, DC, 20548 0001
VA 30 Year Fixed
30 years
5.88%
6.19%
Rate5.88%
APR6.19%
Points0.000
UpdatedJun 16, 2026
Details

Par rate; no discount points. Your specific rate will be based on your unique circumstances and may differ from the rates shown in this table.

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
13200 Bermuda Orchard Lane, Chester, VA, 23801
VA 30 Year Fixed
5.88%
6.19%
Rate5.88%
APR6.19%
Points0.000
UpdatedJun 16, 2026
Details

Rates effective as of 6/15/2026, 10:56:34 AM (ET). Rates are subject to change without notice based on market changes. Rates are based on a 45 day lock.

Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 27.92%
100 W Church St, Bossier City, AR, 71019
VA 30 Year Fixed
5.88%
6.19%
Rate5.88%
APR6.19%
Points0.000
UpdatedJun 16, 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
VA 30 Year Fixed
30 years
5.88%
6.19%
Rate5.88%
APR6.19%
Points0.000
UpdatedJun 16, 2026
Details

No additional details available.

The 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.

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

National Mortgage Rate Trends

Weekly mortgage rate averages tracked across our database of verified mortgage rate quotes — updated every evening.

View Full Trends Report →
30-Year Fixed — National Avg
6.431%
Unchanged from last week

The national 30-year fixed average mortgage rate currently averages 6.431%, according to MonitorBankRates trend data.

15-Year Fixed — National Avg
6.086%
Unchanged from last week

The national 15-year fixed average mortgage rate currently averages 6.086%, according to MonitorBankRates trend data.

As of Jun 19, 2026 • Rate data sourced from our monitored institution network

National Mortgage Rate Forecast — Next 12 Months

Where are U.S. mortgage rates headed through June 2027?

Based on Fed funds rate futures, 10-year Treasury yield path, and historical mortgage spread model. Not financial advice.

Current National Avg
6.431%
30-Year Fixed
6-Month Forecast
6.431%
Range: 6.08% – 6.73%
12-Month Forecast
6.031%
Range: 5.68% – 6.33%
12-Mo Payment Chg.
-$63/mo
vs. today on U.S. median home

What Forecast Rates Mean for U.S. Home Buyers

Monthly principal & interest on U.S. median home of $303,400 with 20% down, 30-year fixed (U.S. Census Bureau)

Scenario Rate Mo. Payment vs. Today % of Income
Today (National avg) 6.431% $1,523 22.6%
6-Month Forecast 6.431% (6.08–6.73%) $1,523 +$0/mo 22.6%
12-Month Forecast 6.031% (5.68–6.33%) $1,460 -$63/mo 21.7%

Income column = annual mortgage payment as % of U.S. median household income ($80,734). Above 30% is generally considered cost-burdened.

Projections based on Fed funds futures and mortgage-to-fed-funds spread model. Not a guarantee of future rates.

MonitorBankRates Housing Affordability Index (MBR-HAI)

A daily-updated composite score measuring how affordable homeownership is nationally. Compiled by MonitorBankRates using housing and income indicators from the U.S. Census Bureau.

View All State Rankings →
National MBR-HAI
100.3
Near National Average
Jun 19, 2026
Mortgage Rate Used
6.431%
Live national avg
Verified Rate Quotes
8,715
Mortgage rates monitored
Lenders Monitored
1,614
Banks & credit unions
States Tracked
51
All 50 states + D.C.

What the Score Measures

The MBR-HAI answers a single question: how affordable is homeownership today, relative to the national baseline? Scores update each morning, computed from rate data captured the previous night. The index reflects current homeownership conditions across all 50 states — not estimated rates, not rate sheet averages, and not survey data.

Today's national score of 100.3 reflects current homeownership conditions across the country. The score is positioned against a long-run baseline so readers can quickly gauge whether conditions are more or less affordable than the historical norm.

120+  Highly Affordable
110-119  More Affordable Than Average
90-109  Near National Average
70-89  Moderately Less Affordable
50-69  Significantly Less Affordable
Below 50  Least Affordable
As of Jun 19, 2026 • Updated each morning from 8,715 verified mortgage rate quotes

Scores update each morning, computed from rate data captured the previous night. Compiled by MonitorBankRates using housing and income indicators from the U.S. Census Bureau. Full methodology →

How Mortgage Rates Impact Home Affordability in the U.S.

National Housing Market Overview

The median owner-occupied home value in the United States is approximately $303,400, according to the U.S. Census Bureau. The 2026 FHFA conforming loan limit is $832,750 for most counties, with higher limits in designated high-cost areas.

National Homeownership Rate

U.S. Homeownership Rate
65.7%
U.S. Census Bureau
Homeowner Vacancy Rate
0.9%
Tight national inventory
Median Home Value
$303,400
U.S. Census Bureau
Conforming Loan Limit
$832,750
FHFA 2026 baseline

Monthly Payment Estimates for U.S. Home Buyers

Based on a 20% down payment on the national median home value, a $240,000 loan at current national average rates:

Interest Rate Loan Term Monthly Payment Total Interest Paid
5.931% 30-year fixed $1,428 $274,185
6.431% Current Avg 30-year fixed $1,506 $302,192
6.931% 30-year fixed $1,586 $330,823
6.086% 15-year fixed $2,036 $126,556

A 0.500% rate increase on a $240,000 loan adds roughly $80 per month and over $28,631 in total interest over 30 years. That’s why comparing verified rates from multiple lenders — using the table above — is one of the most impactful financial decisions a home buyer can make.

Compiled by MonitorBankRates using data from the U.S. Census Bureau and the Federal Housing Finance Agency. Monthly payments shown are principal & interest only.

U.S. Income & Housing Affordability

At a price-to-income ratio of 3.8x, the national housing market reflects moderate affordability pressure across most regions — though that average masks significant variation between high-cost coastal markets and more affordable interior metros.

U.S. Median Household Income
$80,734
U.S. Census Bureau
Price-to-Income Ratio
3.8x
Median home / median income
Monthly Income
$6,728
22.4% goes to P&I at current rates

What This Means for U.S. Buyers

With a national median household income of $80,734 per year ($6,728/month) and a median home value of approximately $303,400, a typical buyer financing at 80% LTV at current average rates would spend roughly 22.4% of gross monthly income on principal and interest alone. that falls within a manageable range, though taxes, insurance, and PMI will add to the true monthly cost.

Compiled by MonitorBankRates using data from the U.S. Census Bureau. Payment estimate assumes 80% LTV at current average rate; principal and interest only.

Full Cost of Homeownership in the U.S.

A mortgage payment is only part of what homeowners pay each month. Property taxes, insurance, and utilities add hundreds of dollars more — and the gap between owning and renting varies dramatically depending on where you live.

Owner vs. Renter Costs

National Median Gross Rent
$1,413
Including utilities
Conforming Loan Limit
$832,750
FHFA 2026 baseline
Renter Cost Burden
47.6%
24.1% severely burdened (50%+)
Owner Cost Burden
28%
11.4% severely burdened (50%+)

Housing Cost Burden

Nationally, 28% of mortgage holders spend more than 30% of gross household income on housing — the federal threshold for “cost burdened.” For renters, that figure is 47.6%. Nearly one in four renters (24.1%) are severely cost burdened, spending 50% or more of income on rent alone.

These national averages mask significant geographic variation. In high-cost metros like Los Angeles, San Francisco, and New York, owner cost burden rates exceed 40-45% — well above the national norm. In lower-cost markets across the Midwest and South, the same income goes substantially further. Use the state and city pages to see how your specific market compares.

Compiled by MonitorBankRates using data from the U.S. Census Bureau.

Types of Mortgages Available Nationwide

Not every loan program is right for every buyer. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly — understanding the differences before you compare lenders can save thousands over the life of your loan.

Fixed-Rate Mortgage

A fixed-rate mortgage locks your interest rate in for the entire loan term — your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially with current rates where locking in could protect against future increases.

Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically. The payment comparison table above shows exactly how those trade-offs look at today’s national rate levels.

Adjustable-Rate Mortgage (ARM)

An ARM offers a fixed introductory rate for an initial period — commonly 5, 7, or 10 years — after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan.

ARMs work best when you have a defined exit timeline. Rate caps govern how much the rate can move at each adjustment and over the life of the loan, so review those terms closely before committing.

FHA Loan

Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down — and some lenders will consider scores as low as 500 with a 10% down payment.

FHA loans carry an upfront MIP of 1.75% of the loan amount plus an annual MIP of 0.15%–0.75% depending on term and LTV. For many first-time buyers, FHA is the fastest path to ownership.

VA Loan

Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with — and often better than — conventional loan rates.

A one-time funding fee applies — 2.15% for first-time VA borrowers with no down payment — which can be financed into the loan.

Jumbo Loan

The 2026 FHFA conforming loan limit is $832,750 for most counties. Any mortgage above that threshold is a jumbo loan, falling outside Fannie Mae and Freddie Mac guidelines — meaning lenders carry the full risk and price it accordingly.

Jumbo underwriting is stricter: lenders typically require a credit score of 700+, substantial cash reserves, and a down payment of at least 10–20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates nationwide directly from the official websites of lenders, banks, and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products across the country. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national online lenders.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because mortgage rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own specific “last updated” date for full transparency.

Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you are comparing rates from secure, reliable lenders.

Frequently Asked Questions about Mortgage Rates

What is a 30-Year Fixed Mortgage?

A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in the U.S. because it offers lower monthly payments compared to shorter-term loans.

How does my credit score affect my rate?

Your credit score is a major factor. Borrowers with higher scores (760+) typically receive the lowest rates because they represent a lower risk to lenders.

What are closing costs?

Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% 5% of the loan amount. They include appraisal fees, title insurance, and origination fees.

Should I lock my mortgage rate?

If you are satisfied with the current rate and worried rates might rise before closing, locking your rate is a good idea. It guarantees your rate for a specific period.

What is an Adjustable-Rate Mortgage (ARM)?

An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.

What is a Jumbo Loan?

A Jumbo Loan is a mortgage that exceeds conforming loan limits set by the FHFA. These loans are common in high-cost areas and often require higher credit scores and larger down payments.

Do I need a 20% down payment?

No. While 20% down avoids Private Mortgage Insurance (PMI), many lenders offer conventional loans with as little as 3% down, and FHA loans require only 3.5% down.

What is the difference between Interest Rate and APR?

The interest rate is the cost of borrowing the principal. The APR includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.

Can I refinance my mortgage later?

Yes. Many homeowners refinance to get a lower rate, shorten their loan term, or cash out equity. However, refinancing involves closing costs, so it is important to calculate your break-even point.

What is the national homeownership rate?

According to the U.S. Census Bureau, the national homeownership rate is 65.7%. The homeowner vacancy rate is 0.9%. Source: U.S. Census Bureau.

What is the median home value in the United States?

According to the U.S. Census Bureau, the national median owner-occupied home value is approximately $303,400. The 2026 conforming loan limit is $832,750. Sources: U.S. Census Bureau and FHFA.

What is the median household income in the United States?

The U.S. median household income is $80,734 per year, according to the U.S. Census Bureau. The national price-to-income ratio -- median home value divided by median household income -- is approximately 3.8x. Compiled by MonitorBankRates using U.S. Census Bureau data.

What percentage of homeowners are cost burdened nationally?

28% of mortgage holders nationally spend more than 30% of their gross household income on housing costs. 11.4% are severely cost burdened, spending 50% or more. Source: U.S. Census Bureau.

What is the median rent in the United States?

The U.S. median gross rent is $1,413 per month including utilities, according to the U.S. Census Bureau. 47.6% of renters nationally are cost burdened, spending more than 30% of income on rent. Source: U.S. Census Bureau.

What are the best Mortgage rates nationally?

  • Institution for Savings: 4.99% (First-Time/Affordable Homebuyer Loan* 30 Year Fixed)
  • First Citizens Federal Credit Union: 5.00% (30-Year Fixed)
  • Wave Federal Credit Union: 0.00% (30-Year Fixed Mortgage)
  • H E TELEPHONE: 0.00% (FIRST MORTGAGE 30 YEAR FIXED)
  • GenFed Financial Credit Union: 0.00% (30 Year Mortgage (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: June 16, 2026

Mortgage Rates by State