Mortgage rates are mostly higher this week over last following bond yields higher. 30 year conforming mortgage rates bounced off a record low made last week. Current 30 year conforming mortgage rates are averaging 4.42 percent. Conforming 15 year mortgage rates which tied a record low last week were also higher this week. 15 year conforming mortgage rates are averaging 3.87 percent.

Mortgage rates will continue to head higher this coming week now that positive economic data has been released. On Friday, the Labor Department announced initial claims for unemployment benefits dropped 27,000 to 451,000, which was lower than the expected 470,000 claims. The trade deficit also shrank 14 percent in July, which will add positively to third quarter GDP.

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

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 #2059741

5.606%

15-Year Fixed

5.490%

$3,032

Includes 0.758 points for $3,032

Lender Fees: $0

$3,267 /mo

Next >

NMLS #1025894

5.650%

15-Year Fixed

5.490%

$4,172

Includes 0.868 points for $3,472

Lender Fees: $700

$3,267 /mo

Next >

NMLS #1312186

5.652%

15-Year Fixed

5.500%

$3,968

Includes 0.992 points for $3,968

Lender Fees: $0

$3,269 /mo

Next >

NMLS #324599

License: 324599

5.673%

15-Year Fixed

5.500%

$4,570

Includes 0.875 points for $3,500

Lender Fees: $1,070

$3,269 /mo

Next >

NMLS #6606

5.773%

15-Year Fixed

5.625%

$3,848

Includes 0.962 points for $3,848

Lender Fees: $0

$3,295 /mo

Next >

NMLS #1835285

6.262%

5-Year ARM

6.125%

$5,860

Includes 0.965 points for $3,860

Lender Fees: $2,000

$2,431 /mo

Next >

NMLS #1835285

6.356%

30-Year Fixed

6.250%

$4,500

Includes 0.625 points for $2,500

Lender Fees: $2,000

$2,463 /mo

Next >

NMLS #324599

License: 324599

6.494%

30-Year Fixed

6.375%

$5,070

Includes 1.000 points for $4,000

Lender Fees: $1,070

$2,496 /mo

Next >

NMLS #2059741

6.569%

30-Year Fixed

6.490%

$3,292

Includes 0.823 points for $3,292

Lender Fees: $0

$2,526 /mo

Next >

NMLS #1312186

6.596%

30-Year Fixed

6.500%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$2,529 /mo

Next >

NMLS #1025894

6.600%

30-Year Fixed

6.490%

$4,592

Includes 0.973 points for $3,892

Lender Fees: $700

$2,526 /mo

Next >

NMLS #6606

6.714%

30-Year Fixed

6.625%

$3,684

Includes 0.921 points for $3,684

Lender Fees: $0

$2,562 /mo

Next >

NMLS #401822

6.734%

30-Year Fixed

6.625%

$4,495

Includes 0.625 points for $2,500

Lender Fees: $1,995

$2,562 /mo

Next >

NMLS #324599

License: 324599

6.743%

5-Year ARM

6.625%

$4,954

Includes 0.971 points for $3,884

Lender Fees: $1,070

$2,562 /mo

Next >

NMLS #1312186

6.968%

5-Year ARM

6.875%

$3,804

Includes 0.951 points for $3,804

Lender Fees: $0

$2,628 /mo

Next >

NMLS #401822

7.698%

15-Year Fixed

7.375%

$8,000

Includes 1.000 points for $4,000

Lender Fees: $4,000

$3,680 /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.

30 year mortgage rates today are averaging 4.42 percent, up from last week’s average 30 year mortgage interest rate of 4.36 percent last week. Current 30 year refinance mortgage rates are also higher, averaging 4.42 percent. 30 year mortgage rates in Virginia are lower, averaging 4.35 percent.

Today's 15 year mortgage rates today are averaging 3.87 percent, up from the previous week’s average 15 year mortgage rate of 3.83 percent. 15 year refinance mortgage rates today and 15 year mortgage rates in Washington are also averaging 3.87 percent.

Jumbo Mortgage Rates Today

Today's 30 year jumbo mortgage rates are averaging 4.94 percent, a decrease from the prior week’s average 30 year jumbo mortgage interest rate of 4.99 percent. Current 30 year jumbo refinance mortgage rates are also down, averaging 4.94 percent. 30 year Tennessee jumbo mortgage rates are averaging a lot higher at  5.13 percent.

15 year jumbo bank mortgage rates moved significantly higher this week. The current average 15 year jumbo mortgage rate is 4.57 percent, up from last week’s average jumbo mortgage interest rate of 4.39 percent. 15 year jumbo mortgage refinance rates today are also higher averaging 4.57 percent.

Today's Conforming Adjustable Mortgage Rates

Current 1 year adjustable mortgage rates are averaging 3.20 percent, up from last week’s average 1 year adjustable home mortgage interest rate of 3.17 percent. Today's 1 year conforming adjustable refinance mortgage rates are also higher averaging 3.20 percent.

3 year adjustable mortgage rates today are averaging 3.80 percent, an increase from last week’s average 3 year adjustable rate mortgage of 3.74 percent. 3 year mortgage refinance rates are also up to 3.80 percent.

5 year adjustable mortgage rates currently are averaging 3.44 percent, up from the prior week’s average mortgage rate of 3.34 percent. 5 year refinance mortgage rates today are also higher averaging 3.44 percent.

7 year adjustable bank mortgage rates today are averaging 3.69 percent, up from the previous week’s average 7 year home mortgage rate of 3.66 percent. Current 7 year mortgage refinance rates are averaging 3.69 percent.

Today's 10 year adjustable mortgage rates are averaging 4.03 percent this week, up slightly from last week’s average 10 year adjustable mortgage rate of 4.02 percent. 10 year home mortgage refinance rates are also higher averaging 4.03 percent.

Adjustable Jumbo Mortgage Rates Today

1 year jumbo adjustable mortgage rates are averaging 5.32 percent, unchanged from the prior week’s average 1 year jumbo adjustable mortgage interest rate. 1 year jumbo refinance mortgage rates today are also unchanged at 5.32 percent.

3 year adjustable jumbo mortgage rates today are lower this week averaging 4.06 percent, down from last week’s average jumbo mortgage rate of 4.20 percent.  3 year jumbo refinance mortgage rates today are also lower averaging 4.06 percent.

5 year adjustable jumbo mortgage rates today are averaging 3.83 percent, an increase from last week’s average mortgage rate of 3.80 percent. 5 year jumbo mortgage refinance rates today are also higher averaging 3.83 percent.

7 year jumbo adjustable mortgage rates today are averaging 4.38 percent, down from last week’s average 7 year home mortgage rate of 4.50 percent. 7 year jumbo refinance mortgage rates today are also lower, averaging 4.38 percent.

Current 10 year jumbo mortgage rates are averaging 5.03 percent, up from the prior week’s average 10 year jumbo home mortgage rate of 4.99 percent. 10 year jumbo home refinance interest rates today are also higher averaging 5.02 percent.

Conventional Interest Only Adjustable Mortgage Rates

Today 3 year interest only adjustable bank mortgage rates are averaging 3.97 percent, up from last week’s average interest only mortgage loan rate of 3.92 percent. 3 year interest only adjustable refinance mortgage rates are also up, averaging 3.97 percent.

5 year interest only adjustable bank mortgage rates today are averaging 3.62 percent, an increase from last week’s average five year interest only mortgage loan rate of 3.50 percent. Today's 5 year interest only adjustable refinance mortgage rates are also averaging 3.62 percent.

7 year interest only adjustable mortgage rates are averaging 3.84 percent, up from last week’s average 7 year interest-only mortgage interest rate of 3.76 percent. 7 year adjustable refinance rate mortgages today are also higher averaging 3.84 percent.

Jumbo Interest Only Adjustable Mortgage Rates Today

3 year jumbo interest only adjustable mortgage rates today are averaging 4.43 percent, down from last week’s average jumbo adjustable interest only mortgage rate of 4.61 percent. 3 year interest only adjustable jumbo refinance rates today are also down averaging 4.43 percent.

5 year adjustable jumbo interest only mortgage rates today are averaging 4.26 percent, down from last week’s average IO home mortgage interest rate of 4.32 percent. 5 year jumbo adjustable IO loan rates are also lower, averaging 4.26 percent.

7 year jumbo IO adjustable mortgage rates are averaging 4.85 percent, down from an average jumbo 7 year home mortgage rate of 4.90 percent last week. 7 year jumbo adjustable interest-only mortgage rates today are also averaging lower at 4.85 percent.

Home Equity Loan Rates Today

Current 10 year home equity loan rates are averaging 6.777 percent, down from the previous week’s average home equity loan rate of 6.884 percent.

15 year home equity rates today are averaging 7.107 percent, up from last week’s average home equity rate of 6.565 percent.

Home Equity Line of Credit Rates Today

Home equity line of credit rates are averaging 4.913 percent, up from last week’s average HELOC rate of 4.763 percent.