Mortgage rates made new lows in 2011 as economic woes still plague the U.S. A weak unemployment report and weak manufacturing data released last week sent interest rates lower. Conventional 30 year mortgage rates are averaging 4.44%, down from last week's average 30 year mortgage rate of 4.54%. The current national average 30 year mortgage rate is now at a low for 2011 as reported by MonitorBankRates.com.

Find current mortgage rates in your state by searching our mortgage rate tables at MortgageRates.MonitorBankRates.com. You can see today's mortgage rates from several lenders and unlike most other websites, no personal information is needed to view a list of rates.

Today's 15 year conventional mortgage rates are averaging 3.72%, a decline from the previous week's average 15 year mortgage rate of 3.74%. 15 year mortgage rates are also at a new low for 2011.

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 #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 #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 #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 #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 #274058

6.750%

5-Year ARM

6.625%

$5,190

Includes 0.775 points for $3,100

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 #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.

30 year jumbo mortgage rates today are averaging 5.01%, down from the prior week's average 30 year jumbo mortgage rate of 5.05%. Late last week 30 year jumbo rates were under 5.00% at 4.94%.

15 year jumbo mortgage rates are averaging 4.28%, down from last week's average 15 year jumbo rate of 4.39%. 15 year jumbo rates have also hit a new low this year.

Today's Mortgage Rates

Current Conventional Adjustable Mortgage Rates and Conforming Adjustable Refinance Rates

The current refinancing rate and mortgage rate on 1 year adjustable rates are averaging 2.94 percent, a decline from last week’s average 1 year adjustable home mortgage refi rate and loan rate of 2.96 percent.

Today's 3 year adjustable mortgage refinance rates and adjustable mortgage rates are averaging 3.08 percent, up from last week’s average 3 year adjustable mortgage rate of 3.03 percent.

Refinance rates and mortgage rates today on 5 year adjustable mortgages are averaging 3.05 percent, down from the prior week’s average rate of 3.41 percent.

Refinance mortgage rates and mortgage rates currently on 7 year adjustable home loans are averaging 3.31 percent, down from the previous week’s average 7 year loan rate of 3.47 percent.

10 year adjustable mortgage loan rates are averaging 3.84 percent this week, down from last week’s average 10 year adjustable rate of 3.19 percent. Current mortgage refinance rates on 10 year home loans are also averaging 3.99 percent.

Adjustable Jumbo Refinance Rates and Jumbo Mortgage Rates Today

1 year jumbo adjustable loan rates are averaging 4.05 percent, unchanged from the prior week’s average 1 year jumbo adjustable loan interest rate. Refinance rates on 1 year jumbo loans are also averaging 4.05 percent.

3 year adjustable jumbo rates are averaging higher at 3.77 percent, down from last week’s average 3 year jumbo adjustable rate of 3.85 percent. Today’s refinance interest rates on 3 year jumbo loans are also lower, averaging 3.77 percent.

5 year adjustable jumbo rates today are averaging 3.33 percent, a decrease from last week’s average jumbo adjustable rate of 3.44 percent. Today’s refinancing mortgage interest rates are also averaging 3.33 percent.

Current 7 year jumbo adjustable loan rates are averaging 3.94% percent, down from last week’s average 7 year adjustable home loan rate of 4.01 percent. 7 year jumbo refinance loan rates are also lower at 3.94% percent.

10 year jumbo loan rates are averaging 4.38 percent, down from the prior week’s average 10 year jumbo home loan rate of 4.48 percent. 10 year jumbo refinance interest rates are also lower, averaging 4.38 percent.

Current Conventional Interest Only Adjustable Mortgage Rates and Adjustable Interest Only Refinancing Rates

3 year interest only adjustable mortgage loan rates are averaging 3.17 percent, down from last week’s average interest only mortgage loan rate of 3.26 percent. 3 year interest only adjustable refinance mortgage rates are also averaging 3.17 percent.

5 year IO adjustable loan rates are averaging 3.08 percent, down from last week’s average five year interest only mortgage loan rate of 3.19 percent. Current 5 year interest only adjustable refinance mortgage loan rates are also averaging 3.08 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.42 percent, down from last week’s average 7 year interest-only mortgage interest rate of 3.73percent. 7 year adjustable refi loan rates are averaging 3.42 percent.

Today's Interest Only Jumbo Mortgage Refinancing Rates and Interest Only Jumbo Mortgage Loan Rates

3 year jumbo interest only adjustable loan rates are averaging 4.12 percent, up from last week’s average jumbo adjustable interest only rate of 3.76%. 3 year interest only adjustable jumbo refi rates are also averaging 4.12% percent.

5 year adjustable jumbo interest only rates are averaging 3.76 percent, down from last week’s average IO home mortgage interest rate of 3.85%. 5 year jumbo adjustable IO loan rates are also averaging at 3.76 percent.

7 year jumbo interest only adjustable rates are averaging 4.14 percent, down from last week’s average jumbo 7 year home loan rate of 4.24%. Current 7 year jumbo adjustable interest-only rates are also averaging 4.14  percent.

Today's Home Equity Loan Rates

10 year home equity loan rates are averaging 6.77 percent, unchanged from last week’s average home equity loan rate.

15 year home equity rates are averaging 6.87 percent, unchanged from the prior week’s average home equity loan rate.

Current HELOC Rates

Home equity line of credit rates are averaging 4.95 percent, unchanged from last week’s average rate HELOC rate.

MonitorBankRates.com offers free mortgage rate widgets for your website. You can display national average mortgage rates and state average mortgage rates by using our mortgage rate widgets here: Mortgage Rate Widget. Mortgage Rates are automatically updated daily.