Mortgage rates are mixed this week as the spread between conforming 30 year mortgage rates and 30 year jumbo mortgage rates is at the lowest point ever in MonitorBankRates' survey. The current spread between average conforming rates and jumbo rates on 30 year loans is at 0.34%. Mortgage rates on 30 year home loans are averaging 4.01%, an increase from last week's average 30 year mortgage rate of 3.94%. Mortgage rates on 15 year mortgage loans are averaging 3.31% this week, an increase from last week’s average 15 year mortgage rate of 3.26%.

Search and compare mortgage rates today from several lenders by using our rate tables here: monitorBankRates.com/mortgages. Unlike most websites, no personal information is needed to view a list of mortgage rates.

Today's jumbo mortgage rates on 30 year jumbo mortgage loans are averaging 4.35%, a decrease from last week’s average 30 year jumbo mortgage rate of 4.50%. Mortgage rates on 15 year jumbo loans are averaging 3.55%, down from last week’s average 15 year jumbo mortgage rate of 3.69%.

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 #2473786

4.887%

15-Year Fixed

4.750%

$3,635

Includes 0.635 points for $2,540

Lender Fees: $1,095

$3,112 /mo

Next >

NMLS #757416

4.997%

15-Year Fixed

4.875%

$3,240

Includes 0.810 points for $3,240

Lender Fees: $0

$3,138 /mo

Next >

NMLS #6606

5.150%

15-Year Fixed

5.000%

$3,972

Includes 0.993 points for $3,972

Lender Fees: $0

$3,164 /mo

Next >

NMLS #2473786

5.231%

5-Year ARM

5.125%

$4,807

Includes 0.928 points for $3,712

Lender Fees: $1,095

$2,178 /mo

Next >

NMLS #1025894

5.273%

15-Year Fixed

5.125%

$3,888

Includes 0.797 points for $3,188

Lender Fees: $700

$3,190 /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

5.700%

30-Year Fixed

5.625%

$3,291

Includes 0.549 points for $2,196

Lender Fees: $1,095

$2,303 /mo

Next >

NMLS #757416

5.715%

30-Year Fixed

5.625%

$3,940

Includes 0.985 points for $3,940

Lender Fees: $0

$2,303 /mo

Next >

NMLS #2561451

5.737%

30-Year Fixed

5.625%

$5,078

Includes 0.824 points for $3,296

Lender Fees: $1,782

$2,303 /mo

Next >

NMLS #6606

5.966%

30-Year Fixed

5.875%

$3,924

Includes 0.981 points for $3,924

Lender Fees: $0

$2,367 /mo

Next >

NMLS #1025894

5.970%

30-Year Fixed

5.875%

$4,132

Includes 0.858 points for $3,432

Lender Fees: $700

$2,367 /mo

Next >

NMLS #399799

5.980%

30-Year Fixed

5.875%

$4,719

Includes 0.848 points for $3,392

Lender Fees: $1,327

$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 #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 >

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.

Mortgage Rates

Conforming Adjustable Mortgage Loans -Mortgage Interest Rates

1 year home loan adjustable mortgage interest rates are averaging 3.62%, up from last week’s average 1 year adjustable mortgage rate of 3.61%.

3 year adjustable current mortgage rates today are averaging 2.84%, up from last week’s average 3 year adjustable mortgage rate of 2.79%.

5 year adjustable mortgage rates are averaging 2.70%, up from the prior week’s average 5 year adjustable rate of 2.65%.

Current 7 year adjustable mortgage rates are averaging 2.98%, up from the previous week’s average 7 year adjustable mortgage rate of 3.03%.

10 year adjustable mortgage rates currently are averaging 3.44%, up from last week’s average 10 year adjustable rate of 3.42%.

Today's Bank Mortgage Rates on Adjustable Jumbo Loans

Current 1 year adjustable jumbo mortgage rates are averaging 4.50%, unchanged from last week’s average adjustable jumbo mortgage rate.

3 year adjustable jumbo rates today are averaging lower at 3.50%, up from last week’s average 3 year jumbo adjustable rate of 3.33%.

5 year adjustable jumbo mortgage rates and refinance rates currently are averaging 2.91%, down from last week’s average jumbo adjustable rate of 2.93%.

7 year jumbo adjustable mortgage rates and refinance rates today are averaging 3.38%, down from last week’s average 7 year adjustable home loan rate of 3.43%.

10 year jumbo loan rates and refi rates are averaging 3.67%, down from the prior week’s average 10 year jumbo home mortgage loan rate of 3.78%.

Conforming IO Adjustable Loans – Current Mortgage Rates

3 year interest only adjustable mortgage loan rates and refinancing rates are averaging 3.11%, down from last week’s average interest only mortgage loan rate of 3.12%.

5 year IO adjustable loan mortgage rates and mortgage refinance rates are averaging 2.92%, up from last week’s average five year interest only mortgage rate 2.87%.

7 year interest only adjustable mortgage rates and refinance rates are averaging 3.16%, down from last week’s average 7 year interest-only mortgage interest rate of 3.22%.

IO Jumbo Mortgage Rates Today

Today’s 3 year jumbo interest only adjustable loan rates are averaging 3.81%, up from last week’s average jumbo adjustable mortgage interest rate of 3.65%.

Current 5 year adjustable jumbo interest only rates are averaging 3.22%, down from last week’s average IO home mortgage interest rate of 3.30%.

Today’s 7 year jumbo interest only adjustable rates are averaging 3.48%,  down from last week’s average jumbo 7 year home mortgage loan rate 3.53%.

Home Equity Loan Rates

10 year home equity loan rates are averaging 6.23%, no change from last week’s average home equity loan rate.

15 year home equity rates are averaging 6.38%, no change from last week’s average home equity loan rate.

Home Equity Line of Credit

Home equity line of credit rates currently are averaging 4.67%, down from last week’s average rate HELOC rate of 4.84%.