Current Mortgage Rates: 30 Year Mortgage Rates at 5.00%

Current mortgage rates were mixed this past week. Conforming 30 year mortgage rates and 15 year mortgage rates are lower this week compared to last week.

30 year jumbo mortgage rates were also lower this week but 15 year jumbo mortgage rates increased over last week.

10-year Treasury yields were also lower this past week, touching a low of 3.14 percent early Friday morning, down from 3.30 percent earlier in the week. The recession is expected to end next quarter but growth won't be as strong as previous recoveries, primarily due to tight credit and the need for households to unload debt.

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

5.440%

15-Year Fixed

5.250%

$5,000

Includes 0.750 points for $3,000

Lender Fees: $2,000

$3,216 /mo

Next >

NMLS #401822

5.535%

15-Year Fixed

5.250%

$7,500

Includes 0.875 points for $3,500

Lender Fees: $4,000

$3,216 /mo

Next >

NMLS #1025894

5.762%

15-Year Fixed

5.625%

$3,544

Includes 0.711 points for $2,844

Lender Fees: $700

$3,295 /mo

Next >

NMLS #1835285

6.128%

30-Year Fixed

6.000%

$5,500

Includes 0.875 points for $3,500

Lender Fees: $2,000

$2,399 /mo

Next >

NMLS #3030

6.407%

15-Year Fixed

6.250%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,430 /mo

Next >

NMLS #1025894

6.590%

30-Year Fixed

6.490%

$4,168

Includes 0.867 points for $3,468

Lender Fees: $700

$2,526 /mo

Next >

NMLS #401822

6.758%

30-Year Fixed

6.625%

$5,495

Includes 0.875 points for $3,500

Lender Fees: $1,995

$2,562 /mo

Next >

NMLS #1835285

6.764%

5-Year ARM

6.625%

$5,780

Includes 0.945 points for $3,780

Lender Fees: $2,000

$2,562 /mo

Next >

NMLS #3030

7.187%

30-Year Fixed

7.125%

$2,500

Includes 0.625 points for $2,500

Lender Fees: $0

$2,695 /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.

Looking for the best mortgage rates? Use our mortgage rate tables to find today's mortgage rates in your state or zip code. Best Mortgage Rates Here

Current Mortgage Rates 

Conforming 30 year mortgage rates are currently lower this week than last week, current mortgage rates are at 5.00 percent, down from last week's average mortgage rate of 5.08 percent. Conforming 15 year mortgage rates are back under 4.50 percent at 4.45 percent, down from the prior week's average mortgage rate of 4.57 percent.

Jumbo Mortgage Rates

30 year jumbo mortgage rates are currently lower this week, current mortgage rates are at 5.83 percent this week, down from last week's average mortgage rate of 5.98 percent. 15 year jumbo mortgage rates are up this past week, the current jumbo mortgage rate is at 5.57 percent, up from last week's average mortgage rate of 5.46 percent.

Adjustable Mortgage Rates

Adjustable mortgage rates are also mixed this past week.

• One year conforming adjustable mortgage rates are currently at 4.28 percent this week, up from the prior week's average adjustable mortgage rate of 4.25 percent.
• One year jumbo adjustable mortgage rates at 5.48 percent this week, down from the prior week's average mortgage rate of 5.50 percent.
• Conforming 3/1 adjustable mortgage rates are down to 4.33 percent this week, down from the previous week's average mortgage rate of 4.44 percent.
• Jumbo 3/1 adjustable rate mortgages are down to 5.56 percent this week, down from 5.90 percent last week.
• Conforming 5/1 ARMs are down to 4.06 percent this week, down from last week's average 5 year average mortgage rate of 4.08 percent.
• The average jumbo 5/1 ARM is at 4.90 percent this week, down from last week's average jumbo ARM rate of 4.96 percent.
• 7/1 conforming ARMs are averaging 4.45 percent, down from last week's average mortgage rate of 4.63 percent.
• Conforming 10 year mortgage rates are at 4.87 percent, down from last week's mortgage rate of 4.89 percent.
• Jumbo 10 year mortgage rates are averaging 6.04 percent, up from last week' average mortgage rate of 5.99 percent.

Mortgage Rates Interest Only

• 3/1 interest only conforming mortgage rates are at 4.40 percent this week, down from 4.52 percent.
• Jumbo 3/1 interest only mortgage rates are at 5.82 percent, down from last week's average mortgage interest rate of 5.90 percent.
• Conforming 5/1 mortgage rates - interest only are at 4.09 percent, down from 4.26 percent the prior week.
• Jumbo 5/1 mortgage rates -  interest only are at 5.39 percent, down from 5.45 percent.
• Conforming interest only 7/1 mortgage rates current at 4.62 percent, down from 4.81 percent the prior week
• Jumbo 7/1 IO mortgage rates are at 6.05 percent, down from 6.21 percent the previous week.

Home Equity

• 10 year home equity loan rates are at 7.59 percent this week, down from the prior week's average home equity rate of 7.65 percent.
• 15 year home equity rates are at 7.70 percent this week, down from last week's average home equity rate of 8.54 percent.
• Home equity line of credit (HELOC) rates are at 4.87 percent this week, down from the prior week's average HELOC rate of 4.97 percent.

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