Mortgage rates are stable today but will be heading lower thanks to the Fed. Fixed mortgage rates on 30 year conforming mortgage loans are averaging 4.17%, down from yesterday’s average 30 year mortgage rate of 4.23%. Mortgage rates on 15 year conforming mortgage loans are averaging 3.36%, down from yesterday’s average 15 year mortgage rate of 3.38%. Interest rates will be heading lower thanks to the Fed's latest decision to lower rates by selling shorter term bonds and buying longer term bonds, AKA "operation twist".

Find current mortgage rates and refinance rates from several lenders by using our rate tables here: Mortgage Rates. Unlike most websites, no personal information is needed to view a list of loan rates.

30 year jumbo mortgage rates are averaging 4.60%, an increase from yesterday’s average 30 year jumbo mortgage rate of 4.56%. 15 year jumbo bank mortgage rates currently are averaging 3.84%, an increase from yesterday’s average 15 year jumbo mortgage rate of 3.82%.

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 MRC'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

4.900%

15-Year Fixed

4.750%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,112 /mo

Next >

NMLS #2473786

4.930%

15-Year Fixed

4.750%

$4,803

Includes 0.927 points for $3,708

Lender Fees: $1,095

$3,112 /mo

Next >

NMLS #324599

License: 324599

5.026%

15-Year Fixed

4.875%

$4,070

Includes 0.750 points for $3,000

Lender Fees: $1,070

$3,138 /mo

Next >

NMLS #757416

5.106%

15-Year Fixed

4.990%

$3,060

Includes 0.765 points for $3,060

Lender Fees: $0

$3,162 /mo

Next >

NMLS #1067

5.110%

15-Year Fixed

4.990%

$3,172

Includes 0.793 points for $3,172

Lender Fees: $0

$3,162 /mo

Next >

NMLS #1025894

5.175%

15-Year Fixed

5.000%

$4,628

Includes 0.982 points for $3,928

Lender Fees: $700

$3,164 /mo

Next >

NMLS #613839

5.183%

15-Year Fixed

4.990%

$5,099

Includes 0.803 points for $3,212

Lender Fees: $1,887

$3,162 /mo

Next >

NMLS #1954591

License: 60DBO-113383

5.304%

15-Year Fixed

5.125%

$4,771

Includes 0.916 points for $3,664

Lender Fees: $1,107

$3,190 /mo

Next >

NMLS #2473786

5.340%

5-Year ARM

5.250%

$4,059

Includes 0.741 points for $2,964

Lender Fees: $1,095

$2,209 /mo

Next >

NMLS #1835285

5.342%

5-Year ARM

5.250%

$4,147

Includes 0.912 points for $3,648

Lender Fees: $499

$2,209 /mo

Next >

NMLS #1835285

5.564%

30-Year Fixed

5.500%

$2,827

Includes 0.582 points for $2,328

Lender Fees: $499

$2,272 /mo

Next >

NMLS #613839

5.721%

30-Year Fixed

5.625%

$4,219

Includes 0.583 points for $2,332

Lender Fees: $1,887

$2,303 /mo

Next >

NMLS #2473786

5.838%

30-Year Fixed

5.750%

$3,843

Includes 0.687 points for $2,748

Lender Fees: $1,095

$2,335 /mo

Next >

NMLS #324599

License: 324599

5.853%

30-Year Fixed

5.750%

$4,570

Includes 0.875 points for $3,500

Lender Fees: $1,070

$2,335 /mo

Next >

NMLS #2561451

5.872%

30-Year Fixed

5.750%

$5,446

Includes 0.916 points for $3,664

Lender Fees: $1,782

$2,335 /mo

Next >

NMLS #1067

5.925%

30-Year Fixed

5.875%

$2,148

Includes 0.537 points for $2,148

Lender Fees: $0

$2,367 /mo

Next >

NMLS #757416

5.936%

30-Year Fixed

5.875%

$2,664

Includes 0.666 points for $2,664

Lender Fees: $0

$2,367 /mo

Next >

NMLS #1025894

5.959%

30-Year Fixed

5.875%

$3,620

Includes 0.730 points for $2,920

Lender Fees: $700

$2,367 /mo

Next >

NMLS #1954591

License: 60DBO-113383

6.087%

30-Year Fixed

5.990%

$4,239

Includes 0.783 points for $3,132

Lender Fees: $1,107

$2,396 /mo

Next >

NMLS #399799

6.106%

30-Year Fixed

6.000%

$4,703

Includes 0.844 points for $3,376

Lender Fees: $1,327

$2,399 /mo

Next >

NMLS #1954591

License: 60DBO-113383

6.230%

5-Year ARM

6.125%

$4,523

Includes 0.854 points for $3,416

Lender Fees: $1,107

$2,431 /mo

Next >

NMLS #324599

License: 324599

6.240%

5-Year ARM

6.125%

$4,986

Includes 0.979 points for $3,916

Lender Fees: $1,070

$2,431 /mo

Next >

Rate data provided by RateUpdate.com. Displayed by 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 by MonitorBankRates.com yesterday:

Mortgage Rates

Conforming Adjustable Mortgage Rates Today

1 year adjustable mortgage rates today are averaging 3.62%, unchanged from last week’s average 1 year adjustable jumbo mortgage rate.

3 year adjustable mortgage rates today are averaging 2.93%, up from last week’s average 3 year adjustable mortgage rate of 2.88%.

5 year adjustable mortgage rates are averaging 2.96%, down from the prior week’s average 5 year adjustable rate of 3.29%.

Current 7 year adjustable mortgage rates are averaging 3.24%, up from the previous week’s average 7 year adjustable mortgage rate of 3.10%.

10 year adjustable mortgage rates currently are averaging 3.66%, up from last week’s average 10 year adjustable rate of 3.52%.

Adjustable Jumbo Mortgage Rates Current

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 lower at 3.35%, down from last week’s average 3 year jumbo adjustable rate of 3.56%.

5 year adjustable jumbo mortgage rates currently are averaging 3.12%, unchanged from last week’s average jumbo adjustable rate.

7 year jumbo adjustable mortgage loan rates are averaging 3.52%, up from last week’s average 7 year adjustable home loan rate of 3.45%.

10 year jumbo loan rates are averaging 3.93%, down from the prior week’s average 10 year jumbo home mortgage loan rate of 3.95%.

Conforming IO Adjustable Mortgage Rates Currently

3 year interest only adjustable mortgage loan rates are averaging 3.13%, down from last week’s average interest only mortgage loan rate of 3.17%.

5 year IO adjustable loan mortgage rates are averaging 3.14%, up from last week’s average five year interest only mortgage rate of 2.95%.

7 year interest only adjustable mortgage loan rates are averaging 3.35%, up from last week’s average 7 year interest-only mortgage interest rate of 3.17%.

IO Jumbo Mortgage Rates Today

Today’s 3 year jumbo interest only adjustable loan rates are averaging 3.44%, down from last week’s average jumbo adjustable interest only rate of 3.59%.

Current 5 year adjustable jumbo interest only rates are averaging 3.39%,   up from last week’s average IO home mortgage interest rate of 3.32%.

Today’s 7 year jumbo interest only adjustable rates are averaging 3.72%, up from last week’s average jumbo 7 year home mortgage loan rate of 3.69%.

Today's Home Equity Loan Rates

10 year home equity loan rates are averaging 6.68%, down from last week’s average home equity loan rate of 6.73%.

15 year home equity rates are averaging 6.72%, up from last week’s average home equity loan rate of 6.62%.

Current HELOC Rates

Home equity line of credit rates currently are averaging 5.03%, unchanged from last week’s average rate HELOC rate.