Mortgage rates are mixed this week in the latest Weekly Mortgage Rates report released by MonitorBankRates.com. Mortgage rates made record lows last week but are slightly higher following bond yields higher. 10 year bond yields are about to break above 3.00 percent after hitting a low to 2.89 percent last Wednesday.

Mortgage rates have been on a slow decline for about a month now. Weak economic numbers on housing, consumer sentiment and employment numbers drove bond yields and mortgage rates lower. This week's economic reports will also drive mortgage rates lower if the numbers are disappointing.

This week's economic reports include June new home sales, Reuters forecasts new home sales for June 6.7 percent higher. Other economic reports this week include the S&P/Case-Shiller Home Price index, jobless claims, second-quarter gross domestic product, the Chicago purchasing managers’ index for July and the Thomson Reuters/University of Michigan consumer sentiment index.

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 #2473786

4.914%

15-Year Fixed

4.750%

$4,379

Includes 0.821 points for $3,284

Lender Fees: $1,095

$3,112 /mo

Next >

NMLS #2126430

4.941%

15-Year Fixed

4.750%

$5,195

Includes 0.975 points for $3,900

Lender Fees: $1,295

$3,112 /mo

Next >

NMLS #2562839

4.942%

15-Year Fixed

4.750%

$5,125

Includes 1.000 points for $4,000

Lender Fees: $1,125

$3,112 /mo

Next >

NMLS #1928741

4.995%

15-Year Fixed

4.875%

$3,172

Includes 0.793 points for $3,172

Lender Fees: $0

$3,138 /mo

Next >

NMLS #1085173

5.037%

15-Year Fixed

4.875%

$4,370

Includes 0.750 points for $3,000

Lender Fees: $1,370

$3,138 /mo

Next >

NMLS #1105497

License: 603L227

5.087%

15-Year Fixed

4.875%

$5,625

Includes 1.000 points for $4,000

Lender Fees: $1,625

$3,138 /mo

Next >

NMLS #2059741

5.106%

15-Year Fixed

4.990%

$3,072

Includes 0.768 points for $3,072

Lender Fees: $0

$3,162 /mo

Next >

NMLS #757416

5.129%

15-Year Fixed

4.990%

$3,684

Includes 0.921 points for $3,684

Lender Fees: $0

$3,162 /mo

Next >

NMLS #324599

License: 324599

5.189%

15-Year Fixed

5.000%

$5,070

Includes 1.000 points for $4,000

Lender Fees: $1,070

$3,164 /mo

Next >

NMLS #1954591

License: 60DBO-113383

5.292%

15-Year Fixed

5.125%

$4,455

Includes 0.837 points for $3,348

Lender Fees: $1,107

$3,190 /mo

Next >

NMLS #2126430

5.365%

5-Year ARM

5.250%

$5,259

Includes 0.991 points for $3,964

Lender Fees: $1,295

$2,209 /mo

Next >

NMLS #1312186

5.365%

15-Year Fixed

5.250%

$3,000

Includes 0.750 points for $3,000

Lender Fees: $0

$3,216 /mo

Next >

NMLS #6606

5.400%

15-Year Fixed

5.250%

$3,928

Includes 0.982 points for $3,928

Lender Fees: $0

$3,216 /mo

Next >

NMLS #2473786

5.463%

5-Year ARM

5.375%

$3,947

Includes 0.713 points for $2,852

Lender Fees: $1,095

$2,240 /mo

Next >

NMLS #1025894

5.502%

15-Year Fixed

5.375%

$3,328

Includes 0.657 points for $2,628

Lender Fees: $700

$3,242 /mo

Next >

NMLS #1928741

5.829%

30-Year Fixed

5.750%

$3,440

Includes 0.860 points for $3,440

Lender Fees: $0

$2,335 /mo

Next >

NMLS #2562839

5.847%

5-Year ARM

5.750%

$4,213

Includes 0.772 points for $3,088

Lender Fees: $1,125

$2,335 /mo

Next >

NMLS #1085173

5.862%

5-Year ARM

5.750%

$4,958

Includes 0.897 points for $3,588

Lender Fees: $1,370

$2,335 /mo

Next >

NMLS #2473786

5.944%

30-Year Fixed

5.875%

$3,007

Includes 0.478 points for $1,912

Lender Fees: $1,095

$2,367 /mo

Next >

NMLS #2126430

5.946%

30-Year Fixed

5.875%

$3,195

Includes 0.475 points for $1,900

Lender Fees: $1,295

$2,367 /mo

Next >

NMLS #2562839

5.947%

30-Year Fixed

5.875%

$3,125

Includes 0.500 points for $2,000

Lender Fees: $1,125

$2,367 /mo

Next >

NMLS #1312186

5.958%

5-Year ARM

5.875%

$3,596

Includes 0.899 points for $3,596

Lender Fees: $0

$2,367 /mo

Next >

NMLS #2059741

5.958%

30-Year Fixed

5.875%

$3,596

Includes 0.899 points for $3,596

Lender Fees: $0

$2,367 /mo

Next >

NMLS #1085173

5.963%

30-Year Fixed

5.875%

$3,870

Includes 0.625 points for $2,500

Lender Fees: $1,370

$2,367 /mo

Next >

NMLS #757416

5.966%

30-Year Fixed

5.875%

$3,916

Includes 0.979 points for $3,916

Lender Fees: $0

$2,367 /mo

Next >

NMLS #324599

License: 324599

5.990%

30-Year Fixed

5.875%

$5,070

Includes 1.000 points for $4,000

Lender Fees: $1,070

$2,367 /mo

Next >

NMLS #1105497

License: 603L227

5.993%

30-Year Fixed

5.875%

$5,125

Includes 0.875 points for $3,500

Lender Fees: $1,625

$2,367 /mo

Next >

NMLS #1954591

License: 60DBO-113383

6.087%

5-Year ARM

5.990%

$4,219

Includes 0.778 points for $3,112

Lender Fees: $1,107

$2,396 /mo

Next >

NMLS #2561451

6.088%

30-Year Fixed

5.999%

$3,830

Includes 0.770 points for $3,080

Lender Fees: $750

$2,398 /mo

Next >

NMLS #324599

License: 324599

6.097%

5-Year ARM

5.990%

$4,682

Includes 0.903 points for $3,612

Lender Fees: $1,070

$2,396 /mo

Next >

NMLS #1954591

License: 60DBO-113383

6.097%

30-Year Fixed

5.990%

$4,655

Includes 0.887 points for $3,548

Lender Fees: $1,107

$2,396 /mo

Next >

NMLS #1105497

License: 603L227

6.099%

5-Year ARM

5.990%

$4,682

Includes 0.778 points for $3,112

Lender Fees: $1,570

$2,396 /mo

Next >

NMLS #1312186

6.207%

30-Year Fixed

6.125%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$2,431 /mo

Next >

NMLS #1025894

6.212%

30-Year Fixed

6.125%

$3,716

Includes 0.754 points for $3,016

Lender Fees: $700

$2,431 /mo

Next >

NMLS #399799

6.214%

30-Year Fixed

6.125%

$3,943

Includes 0.654 points for $2,616

Lender Fees: $1,327

$2,431 /mo

Next >

NMLS #6606

6.329%

30-Year Fixed

6.240%

$3,792

Includes 0.948 points for $3,792

Lender Fees: $0

$2,461 /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.

Mortgage Rates

Current 30 year mortgage rates are averaging 4.76 percent this week, an increase from last week’s average 30 year mortgage rate of 4.72 percent. Today's 30 year refinance mortgage rates are also slightly higher this week averaging 4.76 percent.

15 year mortgage rates today are averaging 4.20 percent this week, a slight decline from last week’s average 15 year mortgage interest rate of 4.21 percent. Current 15 year mortgage refinance rates currently are also down slightly averaging 4.20 percent this week.

Jumbo Mortgage Rates Today

30 year jumbo mortgage rates today are averaging 5.25 percent, down from an average 30 year year jumbo mortgage rate of 5.33 percent. 30 year jumbo mortgage refinance rates are also down to 5.25 percent.

Current 15 year jumbo mortgage rates are averaging 4.82 percent, up from last week’s average jumbo mortgage rate of 4.71 percent. Current 15 year jumbo refinance mortgage rates today are also higher averaging 4.82 percent.

Current Adjustable Mortgage Rates

Current 1 year conventional adjustable mortgage rates are averaging 3.54 percent, unchanged last week’s average 1 year adjustable interest mortgage rate. Current 1 year conforming adjustable refinance mortgage interest rates today are also unchanged this week averaging 3.54 percent.

3 year adjustable conventional mortgage rates today are averaging 4.09 percent this week, unchanged from the prior week’s average 3 year adjustable rate mortgage. Today's 3 year mortgage refinance rates today are also unchanged averaging 4.09 percent.

5 year conventional adjustable loan mortgage rates are averaging 3.57 percent, down slightly from the prior week’s average home loan rate of 3.58 percent. Current 5 year refinance home mortgage rates are also down averaging 3.57 percent.

7 year conventional adjustable mortgage rates are averaging 3.90 percent this week, up from last week’s average 7 year home mortgage rate of 3.86 percent. Current 7 year mortgage refinance rates today are also higher averaging 3.90 percent.

Conventional 10 year adjustable mortgage rates are averaging 4.25 percent this week,an increase from the previous week’s average 10 year adjustable mortgage rate of 4.21 percent. Today's 10 year home mortgage refinance rates are also higher averaging 4.25 percent.

Jumbo Adjustable Mortgage Rates Current

1 year jumbo adjustable mortgage loan rates today are averaging 5.95 percent, no change from the prior week’s average 1 year jumbo adjustable mortgage rate. Current 1 year jumbo refinance mortgage rates today are also averaging 5.95 percent this week.

Today's 3 year jumbo adjustable mortgage rates are averaging 4.55 percent, down from the previous week’s average jumbo interest mortgage rate of 4.57 percent. Current 3 year jumbo refinance mortgage rates are also lower, averaging 4.57 percent.

5 year jumbo adjustable home mortgage rates currently are averaging 4.07 percent this week, unchanged from last week’s average mortgage rate. Current 5 year jumbo mortgage refinance rates are also unchanged averaging 4.07 percent.

Current 7 year jumbo adjustable mortgage rates current are averaging 4.62 percent, down from last week’s average 7 year home mortgage rate of 4.66 percent. 7 year jumbo refinance mortgage rates today are also down to 4.62 percent.

Current 10 year jumbo mortgage rates are averaging 5.21 percent, down from the previous week’s average 10 year jumbo home mortgage rates of 5.28 percent. Today’s 10 year jumbo home loan refinance rates are also down averaging 5.21 percent.

Conventional Interest Only Adjustable Mortgage Rates Current

3 year interest only adjustable mortgage rates currently are averaging 4.22 percent, down from last week’s average interest only mortgage loan rate of 4.27 percent. Today's 3 year interest only adjustable refinance mortgage rates are also higher averaging 4.22 percent.

5 year interest only adjustable mortgage rates today are averaging 3.73 percent, down rom last week’s average five year interest only mortgage loan rate of 3.75 percent. Current 5 year interest only adjustable refinance mortgage rates are also averaging 3.73 percent.

Today's 7 year interest only home adjustable mortgage rates currently are averaging 4.06 percent, down from last week’s average 7 year IO mortgage rate of 4.09 percent. Today’s 7 year adjustable refinance rate mortgages are also averaging 4.06 percent.

Interest Only Jumbo Adjustable Mortgage Rates

3 year jumbo interest only loan adjustable mortgage rates are averaging 4.94 percent, down from last week’s average jumbo adjustable interest only mortgage rate of 5.16 percent. Current jumbo IO adjustable refinance rates are also down averaging 4.94 percent.

5 year adjustable jumbo interest only home loan rates are at 4.52 percent, down from an average IO home mortgage rate of 4.54 percent the previous week. 5 year jumbo adjustable IO loan rates are also averaging 4.52 percent.

Current 7 year jumbo IO adjustable mortgage rates today are averaging 4.96 percent, down from an average jumbo 7 year home mortgage rate of 4.98 percent last week. 7 year jumbo adjustable interest-only mortgage rates are also down averaging 4.96 percent.

Home Equity Loan Rates

Current 10 year home equity loan rates are averaging 7.115 percent, unchanged from last week’s average home equity loan rate.

Today’s 15 year home equity rates are averaging 7.433 percent this week, no change from last week’s average home equity loan rate.

Home Equity Line of Credit Rates

Current average home equity line of credit rates (HELOC) are at 4.762 percent this week, down from last week’s average HELOC rate of 4.777 percent.