30 Year Mortgage Rates Today at 3.99 Percent

Average 30 year mortgage rates remain at 3.99 percent. Average mortgage rates are slightly higher from a 2014 record low of 3.93 percent set on October 22. 30 year rates hit a new low a few weeks ago because 10 year bond yields also hit lows for 2014.

Over the past two weeks, 10 year bond yields bounced off of a record low of 1.86 percent and are now at 2.31 percent. Lenders haven't been as quick to increase mortgage rates over the same period of time but eventually will catch up by increasing rates. In the coming days, average 30 year mortgage rates will be back above 4.00 percent and will head towards 4.25 percent by the end of November.

Looking out two months from now, average 30 year rates will be in a range of 4.25 percent to 4.50 percent. The rates mentioned above are average rates but there are many lenders quoting 30 year refinance rates well below the average.

Loan Type

Purchase Refinance with Cash out Refinance

State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

FICO Score

Superior (780-850) Exceptional (760-779) Excellent (740-759) Very Good (720-739) Good (700-719) Above Average (680-699) Average (660-679) Fair (640-659) Need Improvement (620-639) Poor (350-620)

Loan Amount

$

Points

Up to 0 points Up to 0.5 points Up to 1 points Up to 1.5 points Up to 2 points Up to 2.5 points Up to 3 points

LTV

%

Loan Term

 15-Year Fixed  20-Year Fixed  30-Year Fixed  5-Year ARM  7-Year ARM  10-Year ARM

Show Advertiser Disclosure

The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

Lender

APR / Rate

Fees / Points

Payment

NMLS #1835285

5.478%

15-Year Fixed

5.250%

$6,000

Includes 1.000 points for $4,000

Lender Fees: $2,000

$3,216 /mo

Next >

NMLS #401822

5.642%

15-Year Fixed

5.375%

$7,000

Includes 0.750 points for $3,000

Lender Fees: $4,000

$3,242 /mo

Next >

NMLS #1025894

5.667%

15-Year Fixed

5.490%

$4,612

Includes 0.978 points for $3,912

Lender Fees: $700

$3,267 /mo

Next >

NMLS #2059741

5.751%

15-Year Fixed

5.625%

$3,272

Includes 0.818 points for $3,272

Lender Fees: $0

$3,295 /mo

Next >

NMLS #6606

5.890%

15-Year Fixed

5.740%

$3,876

Includes 0.969 points for $3,876

Lender Fees: $0

$3,320 /mo

Next >

NMLS #1835285

6.368%

30-Year Fixed

6.250%

$5,000

Includes 0.750 points for $3,000

Lender Fees: $2,000

$2,463 /mo

Next >

NMLS #1835285

6.377%

5-Year ARM

6.250%

$5,368

Includes 0.842 points for $3,368

Lender Fees: $2,000

$2,463 /mo

Next >

NMLS #2059741

6.583%

30-Year Fixed

6.490%

$3,896

Includes 0.974 points for $3,896

Lender Fees: $0

$2,526 /mo

Next >

NMLS #1025894

6.713%

30-Year Fixed

6.625%

$3,656

Includes 0.739 points for $2,956

Lender Fees: $700

$2,562 /mo

Next >

NMLS #401822

6.770%

30-Year Fixed

6.625%

$5,995

Includes 1.000 points for $4,000

Lender Fees: $1,995

$2,562 /mo

Next >

NMLS #6606

6.834%

30-Year Fixed

6.740%

$3,888

Includes 0.972 points for $3,888

Lender Fees: $0

$2,592 /mo

Next >

NMLS #3030

6.909%

15-Year Fixed

6.750%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,540 /mo

Next >

NMLS #3030

7.602%

30-Year Fixed

7.500%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$2,797 /mo

Next >

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.

For example, on our rate table for California, the lowest 30 year refinance rate is at 3.50 percent with 1.10 mortgage points offered by Aimloan.com. The lowest 30 year refinancing rate without points is also below the average at 3.75 percent, also offered by Aim Loan.

Mortgage rates today on 15 year conventional loans are averaging 3.13 percent, up from last week's average 15 year mortgage rate of 3.04 percent. Average 15 year mortgage rates were expected to fall below 3.00 percent but just the opposite happened as a result of bond rates moving higher.

Average 15 year rates are above 3.00 percent but there are several lenders quoting 15 year refi rates below the average. The best 15 year rate available in the database for Florida is at 2.625 with 1.10 mortgage points. The best 15 year rate without points is also below 3.00 percent at 2.875 percent.

Current mortgage rates on 30 year jumbo loans are averaging 4.24 percent, a slight decline from last week's average 30 year jumbo rate of 4.25 percent. For the state of Colorado, the best 30 year jumbo refinance rates in our database are at 3.75 percent with 2 mortgage points. The best 30 year jumbo refi rate without points is also below 4.00 percent at 3.875 percent.

Today's mortgage rates on 15 year jumbo loans are averaging 3.86 percent, a decline from last week's average 15 year jumbo mortgage rate of 3.88 percent. The lowest 15 year jumbo refinance rates offered by lenders in Connecticut are at 3.125 percent with no mortgage points.

Average 5/1 adjustable mortgage rates on conforming loans are at 3.40 percent, up from the prior week's average 5/1 rate of 3.31 percent. The best adjustable refinance rate available in the database for Kentucky are considerably below the average at 2.125 percent with 1.10 mortgage points. The best adjustable refi rate without points is also well below the average at 2.55 percent.

5/1 jumbo adjustable mortgage rates are averaging 3.19 percent, an increase from the previous week's average of 3.15 percent. The best 5 year jumbo adjustable refinance rates in the database for New Hampshire  are at  2.55 percent with no mortgage points.