After running higher for much of last week mortgage rates are retreating again heading lower. Current mortgage rates on 30 year mortgage loans are averaging 4.12%, down from yesterday's average 30 year mortgage rate of 4.15%. The high average rate last week on 30 year mortgage rates was 4.24% but we have since declined 12 basis points. Mortgage rates today on 15 year mortgages are also lower averaging 3.45%, down from yesterday's average 15 year mortgage rate of 3.49%.

Compare mortgage rates today from multiple lenders by using our mortgage rate tables here: Mortgage Rates Today. Unlike most websites, no personal information is needed to view a list of mortgage rates.

30 year jumbo mortgage rates today are averaging 4.51%, down from yesterday's average 30 year jumbo mortgage rate of 4.59%. 15 year jumbo mortgage rates currently are averaging 3.76%, down from yesterday’s average 15 year jumbo mortgage rate of 3.83%.

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

5.045%

15-Year Fixed

4.875%

$4,523

Includes 0.857 points for $3,428

Lender Fees: $1,095

$3,138 /mo

Next >

NMLS #1085173

5.056%

15-Year Fixed

4.875%

$4,870

Includes 0.875 points for $3,500

Lender Fees: $1,370

$3,138 /mo

Next >

NMLS #2059741

5.117%

15-Year Fixed

4.990%

$3,360

Includes 0.840 points for $3,360

Lender Fees: $0

$3,162 /mo

Next >

NMLS #757416

5.141%

15-Year Fixed

4.990%

$3,988

Includes 0.997 points for $3,988

Lender Fees: $0

$3,162 /mo

Next >

NMLS #324599

License: 324599

5.239%

15-Year Fixed

5.125%

$3,070

Includes 0.500 points for $2,000

Lender Fees: $1,070

$3,190 /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

5.392%

15-Year Fixed

5.240%

$3,992

Includes 0.998 points for $3,992

Lender Fees: $0

$3,214 /mo

Next >

NMLS #1954591

License: 60DBO-113383

5.394%

15-Year Fixed

5.250%

$3,835

Includes 0.682 points for $2,728

Lender Fees: $1,107

$3,216 /mo

Next >

NMLS #2473786

5.466%

5-Year ARM

5.375%

$4,067

Includes 0.743 points for $2,972

Lender Fees: $1,095

$2,240 /mo

Next >

NMLS #1025894

5.503%

15-Year Fixed

5.375%

$3,348

Includes 0.662 points for $2,648

Lender Fees: $700

$3,242 /mo

Next >

NMLS #1085173

5.866%

5-Year ARM

5.750%

$5,146

Includes 0.944 points for $3,776

Lender Fees: $1,370

$2,335 /mo

Next >

NMLS #2473786

5.947%

30-Year Fixed

5.875%

$3,135

Includes 0.510 points for $2,040

Lender Fees: $1,095

$2,367 /mo

Next >

NMLS #757416

5.954%

30-Year Fixed

5.875%

$3,436

Includes 0.859 points for $3,436

Lender Fees: $0

$2,367 /mo

Next >

NMLS #2059741

5.955%

30-Year Fixed

5.875%

$3,476

Includes 0.869 points for $3,476

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 #1312186

5.964%

5-Year ARM

5.875%

$3,876

Includes 0.969 points for $3,876

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 #1954591

License: 60DBO-113383

6.094%

5-Year ARM

5.990%

$4,543

Includes 0.859 points for $3,436

Lender Fees: $1,107

$2,396 /mo

Next >

NMLS #324599

License: 324599

6.104%

5-Year ARM

5.990%

$5,006

Includes 0.984 points for $3,936

Lender Fees: $1,070

$2,396 /mo

Next >

NMLS #1025894

6.200%

30-Year Fixed

6.125%

$3,196

Includes 0.624 points for $2,496

Lender Fees: $700

$2,431 /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 #1954591

License: 60DBO-113383

6.207%

30-Year Fixed

6.125%

$3,567

Includes 0.615 points for $2,460

Lender Fees: $1,107

$2,431 /mo

Next >

NMLS #399799

6.213%

30-Year Fixed

6.125%

$3,900

Includes 0.643 points for $2,572

Lender Fees: $1,328

$2,431 /mo

Next >

NMLS #6606

6.329%

30-Year Fixed

6.240%

$3,768

Includes 0.942 points for $3,768

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.

Following is a more in-depth mortgage rate report released on Monday by MonitorBankRates.com.

Mortgage Rates

Conventional Adjustable Mortgage Rates and Refinance Rates Today

1 year adjustable mortgage rates today are averaging 3.75%, an increase from last week’s average 1 year adjustable jumbo mortgage rate of 3.72%.

3 year adjustable mortgage rates today are averaging 2.75%, a decrease from last week’s average 3 year adjustable mortgage rate of 2.76%.

5 year adjustable mortgage rates are averaging 3.06%, down from the prior week’s average 5 year adjustable rate of 3.08%.

Current 7 year adjustable mortgage rates are averaging 3.11%, a decrease from the previous week’s average 7 year adjustable mortgage rate of 3.19%.

10 year adjustable mortgage rates current are averaging 3.58%, down from last week’s average 10 year adjustable rate of 3.60%.

Adjustable Jumbo Mortgage Rates Todays

Current 1 year jumbo adjustable mortgage rates are averaging 4.05%, unchanged from last week’s average adjustable jumbo mortgage rate.

3 year adjustable jumbo rates today are averaging higher at 3.56%, up from last week’s average 3 year jumbo adjustable rate of 3.40%.

5 year adjustable jumbo mortgage rates and refinance rates currently are averaging 3.02%, a decrease from last week’s average jumbo adjustable rate of 3.11%.

7 year jumbo adjustable mortgage rates and refinance rates today are averaging 3.66%, down from last week’s average 7 year adjustable home loan rate of 3.69%.

10 year jumbo loan rates and refi rates are averaging 3.97%, down from the prior week’s average 10 year jumbo home mortgage loan rate of 4.03%.

Conforming Interest Only Adjustable Current Mortgage Rates

3 year interest only adjustable mortgage loan rates and refinancing rates are averaging 3.11%, down from last week’s average interest only mortgage loan rate of 3.31%.

5 year IO adjustable loan mortgage rates and mortgage refinance rates are averaging 3.24%, down from last week’s average five year interest only mortgage rate of 3.45%.

7 year interest only adjustable mortgage rates and refinance rates are averaging 3.45%, down from last week’s average 7 year interest-only mortgage interest rate of 3.47%.

Today's Interest Only Jumbo Mortgage Rates

Today’s 3 year jumbo interest only adjustable loan rates are averaging 3.78%, an increase from last week’s average jumbo adjustable interest only rate of 3.58%

Current 5 year adjustable jumbo interest only rates are averaging 3.53%, an increase from last week’s average IO home mortgage interest rate of 3.52%.

Today’s 7 year jumbo interest only adjustable rates are averaging 3.88%, up from last week’s average jumbo 7 year home mortgage loan rate of 3.82%.

Home Equity Loan Rates

10 year home equity loan rates are averaging 6.51%, down from last week’s average home equity loan rate of 6.52%

15 year home equity rates are averaging 6.48, down from last week’s average home equity loan rate of 6.50%.

HELOC Rates

Home equity line of credit rates currently are averaging 4.81%, down from last week’s average rate HELOC rate of 5.00%.