Mortgage Rates Increase: 30 Year Mortgage Rates at 5.07% and 15 Year Mortgage Rates at 4.43%

Fixed mortgage rates increased this week over last week. Fixed conforming 30 year mortgage rates are back above 5.00 percent for the first time in several weeks. 30 year mortgage rates are averaging 5.07 percent, up from last week's average mortgage rate of 4.95 percent.

The increase in 30 year mortgage rates this week reversed a three week trend of declines. Mortgage interest rates are expected to continue to move higher in the coming months.

Fixed jumbo mortgage rates also headed higher this week. 30 year jumbo mortgage rates had the biggest increase and were up 18 basis points over last week.

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 #78669

5.392%

15-Year Fixed

5.125%

$7,222

Includes 0.701 points for $2,804

Lender Fees: $4,418

$3,190 /mo

Next >

NMLS #2641203

5.492%

15-Year Fixed

5.375%

$3,056

Includes 0.764 points for $3,056

Lender Fees: $0

$3,242 /mo

Next >

NMLS #1835285

5.509%

15-Year Fixed

5.375%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$3,242 /mo

Next >

NMLS #1701910

5.547%

15-Year Fixed

5.375%

$4,490

Includes 0.750 points for $3,000

Lender Fees: $1,490

$3,242 /mo

Next >

NMLS #401822

5.554%

15-Year Fixed

5.250%

$8,000

Includes 1.000 points for $4,000

Lender Fees: $4,000

$3,216 /mo

Next >

NMLS #274058

5.556%

15-Year Fixed

5.375%

$4,746

Includes 0.664 points for $2,656

Lender Fees: $2,090

$3,242 /mo

Next >

NMLS #757416

5.612%

15-Year Fixed

5.500%

$2,908

Includes 0.727 points for $2,908

Lender Fees: $0

$3,269 /mo

Next >

NMLS #1067

5.642%

15-Year Fixed

5.490%

$3,944

Includes 0.986 points for $3,944

Lender Fees: $0

$3,267 /mo

Next >

NMLS #1025894

5.667%

15-Year Fixed

5.490%

$4,600

Includes 0.975 points for $3,900

Lender Fees: $700

$3,267 /mo

Next >

NMLS #181106

License: Licensed

5.741%

15-Year Fixed

5.625%

$2,995

Includes 0.500 points for $2,000

Lender Fees: $995

$3,295 /mo

Next >

NMLS #78669

6.178%

5-Year ARM

6.000%

$7,842

Includes 0.856 points for $3,424

Lender Fees: $4,418

$2,399 /mo

Next >

NMLS #78669

6.523%

30-Year Fixed

6.375%

$6,398

Includes 0.495 points for $1,980

Lender Fees: $4,418

$2,496 /mo

Next >

NMLS #1835285

6.572%

30-Year Fixed

6.500%

$3,000

Includes 0.750 points for $3,000

Lender Fees: $0

$2,529 /mo

Next >

NMLS #2561451

6.591%

30-Year Fixed

6.490%

$4,287

Includes 0.573 points for $2,292

Lender Fees: $1,995

$2,526 /mo

Next >

NMLS #1067

6.594%

30-Year Fixed

6.500%

$3,944

Includes 0.986 points for $3,944

Lender Fees: $0

$2,529 /mo

Next >

NMLS #757416

6.596%

30-Year Fixed

6.500%

$3,984

Includes 0.996 points for $3,984

Lender Fees: $0

$2,529 /mo

Next >

NMLS #274058

6.638%

5-Year ARM

6.500%

$5,766

Includes 0.919 points for $3,676

Lender Fees: $2,090

$2,529 /mo

Next >

NMLS #2641203

6.682%

30-Year Fixed

6.625%

$2,352

Includes 0.588 points for $2,352

Lender Fees: $0

$2,562 /mo

Next >

NMLS #181106

License: Licensed

6.697%

30-Year Fixed

6.625%

$2,995

Includes 0.500 points for $2,000

Lender Fees: $995

$2,562 /mo

Next >

NMLS #1025894

6.720%

30-Year Fixed

6.625%

$3,916

Includes 0.804 points for $3,216

Lender Fees: $700

$2,562 /mo

Next >

NMLS #274058

6.742%

30-Year Fixed

6.625%

$4,842

Includes 0.688 points for $2,752

Lender Fees: $2,090

$2,562 /mo

Next >

NMLS #1701910

6.786%

30-Year Fixed

6.750%

$1,490

Includes 0.000 points for $0

Lender Fees: $1,490

$2,595 /mo

Next >

NMLS #399799

6.848%

30-Year Fixed

6.750%

$4,164

Includes 0.709 points for $2,836

Lender Fees: $1,328

$2,595 /mo

Next >

NMLS #3030

6.869%

15-Year Fixed

6.750%

$3,000

Includes 0.750 points for $3,000

Lender Fees: $0

$3,540 /mo

Next >

NMLS #401822

6.884%

30-Year Fixed

6.750%

$5,495

Includes 0.875 points for $3,500

Lender Fees: $1,995

$2,595 /mo

Next >

NMLS #1835285

7.081%

5-Year ARM

7.000%

$3,292

Includes 0.823 points for $3,292

Lender Fees: $0

$2,662 /mo

Next >

NMLS #3030

7.589%

30-Year Fixed

7.500%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$2,797 /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.

Conforming one year adjustable mortgage rates bucked the trend and dropped 41 basis points. The average one year adjustable mortgage rate declined to 4.26 percent, down from last week's average one year rate of 4.67 percent.

Looking for mortgage rates and refinance rates? Use our mortgage rate tables to find current rates. Mortgage Rates and Refinance Rates.

Current Mortgage Rates

The average conforming 30 year mortgage rate is back above 5.00 percent at 5.07 percent this week, up from last week’s average home loan rate of 4.95 percent.

15 year conforming home loans are at 4.43 percent this week, up from the prior week’s average mortgage rate of 4.34 percent. 15 year refinance rates are also averaging 4.34 percent this week.

Jumbo Mortgage Rates

Fixed 30-year jumbo home mortgage loans are averaging 5.82% this week, up from last week’s average mortgage home loan rate of 5.64%. Mortgage refinance rates for jumbo loans are also increased to 5.82 percent this week.

Fixed 15 year jumbo interest mortgage rates are averaging 5.10% this week, an increase from last week’s average jumbo loan rate of 5.05%. 15 year mortgage refinance rates increased to 5.10%.

Adjustable Mortgage Rates

Conforming 1 year adjustable mortgage rates are averaging 4.26% this week, down from last week’s average 1 year home loan rate of 4.67%. You can also find average one year refinance rates at 4.26% this week.

Today's 3 year adjustable mortgage interest rates are averaging 4.61%, up from last week’s average mortgage interest rate of 4.59%.

Conforming 5 year adjustable interest mortgage rates are averaging 4.05% this week, unchanged from the previous week’s average mortgage interest rate. The average 5 year mortgage refinance is also unchanged this week at 4.05%.

Conforming 7 year adjustable mortgage rates are averaging 4.59%, up from last week’s average loan rate of 4.47%. The average 7 year mortgage refinance rate is also at 4.59%.

Conforming 10 year bank mortgage rates are averaging 4.83%, down from the prior week’s average mortgage rate of 4.90%. Home loan refinance rates are also at 4.83 percent this week.

Jumbo Adjustable Mortgage Rates

1 year jumbo adjustable mortgage rates are averaging 5.59% this week, unchanged from the prior week’s average home mortgage loan rate. The average 1 year home refinance rate is also unchanged at 5.59%.

The average jumbo 3-year jumbo ARM is at 5.37% this week, up from last week’s average adjustable home loan rate of 5.27%. 3 year home refinance rates are also averaging 5.37% this week.

5 year jumbo ARMs are averaging 4.69% this week, unchanged from the prior week’s average home interest mortgage rate. The average 5 year refinance loan rate is unchanged at 4.69%.

7 year jumbo ARMs are averaging 5.75% this week, up from last week’s average loan mortgage rate of 5.61%. 7 year loan refinance rates are also averaging 5.75%, up from the prior week's average refinance rate.

The average 10 year jumbo mortgage rate is at 5.92%, unchanged from the prior week’s average 10 year mortgage rate. 10 year refinance loan rates are also averaging 5.92% this week.

Conforming Interest Only Mortgage Rates

3 year interest only mortgage rates are averaging 4.84% this week, up from the prior week’s average interest rate of 4.74%. 3 year IO home loan refinance rates are averaging 4.84% this week.

5 year interest only loans are averaging 4.20% this week, down from last week’s average five year interest only mortgage interest rate of 4.32%. The average 5 year home mortgage refinance rate is also at 4.20% this week.

7 year interest only home loans are averaging 4.77% this week, up from last week’s average interest rate of 4.67%.  The average 7 year IO refinance home loan rate is at 4.77% this week.

Jumbo Interest Only Mortgage Rates

3 year jumbo interest only mortgages are averaging 5.73% this week, up from last week’s jumbo interest mortgage rate of 5.57%. The average 3 year jumbo refinance interest rate is at 5.73% this week.

5 year jumbo IO loan rates are averaging 5.34%, up from the prior week’s average IO mortgage rate of 5.28%. 5 year jumbo refinance interest rates are averaging 5.34% this week.

The average jumbo 7 year IO loan mortgage rate is at 6.21%, up from last week’s average jumbo rate of 6.08%.

Home Equity Loans Rates

The average home equity loan rate was up this week over last. 10 year home equity loan rates are at 7.475% this week, up from last week’s average equity home loan rate of 7.357%. 15 year home equity rates are up to 7.735%, down from the prior week’s average home equity rate of 7.479%.

Home Equity Line of Credit (HELOC) Rates

Average home equity line of credit rates are up this week over last. The average HELOC rate is at 4.899% this week, up from last week’s average HELOC rate of 4.669%.

The best refinance rates and mortgage rates can be found in your state or zip code by using our bank mortgage rate tables. Refinance Interest Rates - Mortgage Interest Rates