Average 30 Year Mortgage Rates Today at 3.45%, Lowest 30 Year Refinance Rates at 3.00%

Average mortgage rates are lower today following U.S. Treasury yields lower the past few days. 30 year conventional mortgage rates are averaging 3.45 percent, a decline from last week's average 30 year mortgage rate of 3.50 percent. 30 year mortgage interest rates are just above all-time record lows of 3.37 percent set in October.

If you're searching for 30 year mortgage refinance rates on conforming loans there are many lenders advertising 30 year rates below the averages. Currently, on our 30 year refinance rates table for the state of Pennsylvania, Amerisave is advertising 30 year rates at 3.00 percent with 1.371 mortgage points. Without points we have America Lending offering 30 year refinancing rates as low as 3.125 percent.

Mortgage rates today on 15 year conforming loans are averaging 2.84 percent, a decline from last week's average 15 year mortgage rate of 2.88 percent. On our rate tables across the United States we have lenders offering 15 year mortgage refinance rates well below the average of 2.84 percent.

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 #1981224

4.924%

15-Year Fixed

4.625%

$8,000

Includes 1.000 points for $4,000

Lender Fees: $4,000

$3,086 /mo

Next >

NMLS #1283930

License: 01970483

5.445%

15-Year Fixed

5.250%

$5,125

Includes 1.000 points for $4,000

Lender Fees: $1,125

$3,216 /mo

Next >

NMLS #1838

5.455%

15-Year Fixed

5.250%

$5,395

Includes 0.974 points for $3,896

Lender Fees: $1,499

$3,216 /mo

Next >

NMLS #1025894

5.548%

15-Year Fixed

5.375%

$4,512

Includes 0.953 points for $3,812

Lender Fees: $700

$3,242 /mo

Next >

NMLS #1981224

5.921%

30-Year Fixed

5.750%

$7,500

Includes 0.875 points for $3,500

Lender Fees: $4,000

$2,335 /mo

Next >

NMLS #401822

6.039%

15-Year Fixed

5.750%

$7,500

Includes 0.875 points for $3,500

Lender Fees: $4,000

$3,322 /mo

Next >

NMLS #3030

6.146%

15-Year Fixed

5.990%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,374 /mo

Next >

NMLS #1838

6.231%

30-Year Fixed

6.125%

$4,535

Includes 0.759 points for $3,036

Lender Fees: $1,499

$2,431 /mo

Next >

NMLS #401822

6.289%

30-Year Fixed

6.125%

$7,000

Includes 0.750 points for $3,000

Lender Fees: $4,000

$2,431 /mo

Next >

NMLS #1283930

License: 01970483

6.347%

30-Year Fixed

6.250%

$4,125

Includes 0.750 points for $3,000

Lender Fees: $1,125

$2,463 /mo

Next >

NMLS #1025894

6.477%

30-Year Fixed

6.375%

$4,284

Includes 0.896 points for $3,584

Lender Fees: $700

$2,496 /mo

Next >

NMLS #1981224

6.533%

5-Year ARM

6.375%

$6,740

Includes 0.915 points for $3,660

Lender Fees: $3,080

$2,496 /mo

Next >

NMLS #3030

6.949%

30-Year Fixed

6.875%

$3,000

Includes 0.750 points for $3,000

Lender Fees: $0

$2,628 /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.

On our Texas refinance rates list for 15 year conforming loans we have Texaslending.com offering 15 year refi rates as low as 2.375 percent with no points. We also have Amerisave, Roundpoint Mortgage and Residential Finance Corporation all offering 15 year rates at 2.375 percent with different point combinations. 

15 year mortgage rates can also be found as low as 2.375 percent on our rate table for Florida. Both Amerisave and Roundpoint Mortgage are offering 15 year rates at 2.375 percent with points. Also on our rate table for Florida LenderFi is offering 15 year refi rates at 2.50 percent with zero points.

Current mortgage rates on 30 year jumbo mortgage loans are averaging 4.03 percent, a slight decline from last week's average 30 year jumbo mortgage rate of 4.04 percent. Currently, on our 30 year jumbo refinance rates table for the state of New Jersey we Investors Home Mortgage offering 30 year jumbo refi rates at 3.625 percent with zero points, Citi Mortgage is offering 30 year jumbo rates at 4.125 percent with zero points and Mortgage Capital Associates is offering 30 year jumbo rates at 4.25 percent with zero points.

Mortgage rates today on 15 year jumbo mortgages are averaging 3.41 percent, a decline from last week's average 15 year jumbo mortgage rate of 3.45 percent. Right now on our California refinance rates list for 15 year jumbo loans we have many lenders offering rates below the average.  The best refinance rate is from Citi at 3.00 percent with no points.

Average 5 year conforming adjustable mortgage rates are at 2.92 percent, a decline from last week's average 5 year adjustable mortgage rate of 2.99 percent. Right now on our 5 year adjustable refinance rates list for the state of Georgia we have Roundpoint Mortgage offering 5 year rates at 1.875 percent with 2 mortgage points and Amerisave offering 5 year rates at 1.875 percent with 1.734 points.

Today's mortgage rates on 5 year jumbo adjustable loans are averaging 2.97 percent, an increase from last week's average 5 year jumbo rates of 2.94 percent. Currently on our 5 year jumbo refinance rates list for the state of New York we have Astoria Federal Savings and Loan offering 5 year jumbo rates at 2.50 percent with no points.