Mortgage Rates for December 20th, 2019

Mortgage rates for December 20th, 2019, inched higher but thankfully there were no big moves higher. Mortgage rates on 30-year conforming loans are averaging 3.77 percent, up from this past Monday's average rate of 3.75 percent. Average 30-year mortgage rates are up 7 basis points week over week, during the same time 10-year U.S. Treasury yields were up 10 basis points. We expect average mortgage rates to remain near current levels for the rest of the year and into 2020. To get the best deal on a mortgage loan, compare online mortgage rates with average mortgage rates for December 19, 2019.

December 20, 2019 Mortgage Rates

Conforming Mortgage Rates

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

4.938%

15-Year Fixed

4.750%

$5,000

Includes 0.750 points for $3,000

Lender Fees: $2,000

$3,112 /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 #1835285

5.887%

30-Year Fixed

5.750%

$6,000

Includes 1.000 points for $4,000

Lender Fees: $2,000

$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 #1835285

6.637%

5-Year ARM

6.500%

$5,700

Includes 0.925 points for $3,700

Lender Fees: $2,000

$2,529 /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.

• Current mortgage rates on 30-year home loans are averaging 3.75 percent, up from an average 30-year rate of 3.70 percent.
• Mortgage rates today on 15-year fixed rate loans are averaging 3.22 percent, up from an average 15-year rate of 3.19 percent.
• Today's mortgage rates on 5-year adjustable mortgage rates are averaging 4.22 percent, an increase from an average 5-year adjustable rate of 4.20 percent set earlier this week.

Jumbo Mortgage Rates

• 30-year jumbo mortgage rates today are averaging 3.93 percent, a decline from an average 30-year jumbo rate of 4.02 percent.
• 15-year jumbo mortgage rates are currently averaging 3.80 percent, a decline from an average 15-year jumbo rate of 3.91 percent.
• Today's 5-year jumbo adjustable mortgage rates are averaging 3.63 percent, a sharp decline from an average 5-year jumbo rate of 3.86 percent.

Search for and compare mortgage rates today to get the lowest rate and fees on a home loan.