Mortgage Rates Mostly Lower This Week 4/25: 30 Year Mortgage Rates at 4.85%

Average long term fixed mortgage rates are mostly lower in our weekly mortgage rate survey. No big moves in long term rates either higher or lower which was expected since U.S. Treasury yields haven't moved much this past week. The biggest increase in short term rates was on 1 year conforming adjustable mortgage loan rates. 1 year conforming ARMs increased 44 basis points to 3.39%.

Current 30 year conforming mortgage rates are averaging 4.85%, an increase from last week’s average 30 year mortgage rate of 4.83%. Today's average 30 year loan rates in Tennessee are lower than the national average rate at 4.75%.

15 year conforming rates are lower in this week's rate survey. 15 year rates today are averaging 4.18%, a decrease from last week’s average 15 year rate of 4.11 percent. Average 15 year interest rates in Illinois are slightly lower than the national average. Current 15 year rates in IL are averaging 4.07%.

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 #401822

5.661%

15-Year Fixed

5.375%

$7,500

Includes 0.875 points for $3,500

Lender Fees: $4,000

$3,242 /mo

Next >

NMLS #1025894

5.805%

15-Year Fixed

5.625%

$4,680

Includes 0.995 points for $3,980

Lender Fees: $700

$3,295 /mo

Next >

NMLS #6606

6.022%

15-Year Fixed

5.875%

$3,792

Includes 0.948 points for $3,792

Lender Fees: $0

$3,349 /mo

Next >

NMLS #1025894

6.839%

30-Year Fixed

6.750%

$3,664

Includes 0.741 points for $2,964

Lender Fees: $700

$2,595 /mo

Next >

NMLS #399799

6.854%

30-Year Fixed

6.750%

$4,436

Includes 0.777 points for $3,108

Lender Fees: $1,328

$2,595 /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

6.889%

15-Year Fixed

6.750%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$3,540 /mo

Next >

NMLS #6606

6.963%

30-Year Fixed

6.875%

$3,580

Includes 0.895 points for $3,580

Lender Fees: $0

$2,628 /mo

Next >

NMLS #3030

7.602%

30-Year Fixed

7.500%

$4,000

Includes 1.000 points for $4,000

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.

Today's 30 year jumbo mortgage rates are averaging 5.33%, down from last week’s average jumbo loan rate of 5.34%. 30 year jumbo interest rates in California are higher than the national average. Today's 30 year jumbo rates in CA are averaging 5.37%.

15 year jumbo rates are averaging 4.68%, down from the prior week’s average jumbo rate of 4.73%. 15 year jumbo interest rates in New York are lower than the national average. The current average 15 year jumbo rate in NY is at 4.56%.

Conforming Adjustable Mortgage Interest Rates

The current average rate on 1 year adjustable mortgage loans is at 3.39%, up from last week’s average 1 year adjustable interest rate of 2.95%.

Today's 3 year adjustable mortgage refinance rates and adjustable mortgage rates are averaging 3.39 percent, down from last week’s average 3 year rate of 3.45 percent.

Current interest rates on 5 year ARMs are averaging 3.27 percent, down  from the prior week’s average rate of 3.30 percent.

Today's refinance rates and mortgage rates on 7 year adjustable loans are averaging 3.64 percent, down from the previous week’s average of 3.71 percent.

10 year adjustable loan rates are averaging 4.17 percent this week, down from last week’s average 10 year adjustable rate of 4.22 percent. Average refinance rates on 10 year home loans are also averaging 4.17 percent.

Current Adjustable Jumbo Mortgage Rates

Today’s 1 year jumbo adjustable loan rates are averaging 4.05 percent, unchanged from the prior week’s average 1 year jumbo adjustable rate. Jumbo refinance rates are also unchanged at 4.05 percent.

3 year adjustable jumbo rates are averaging 3.96 percent, down from last week’s average 3 year jumbo rate of 4.03 percent. Refinance rates today on 3 year jumbo loans are also lower, averaging 3.96 percent.

5 year adjustable jumbo interest rates today are averaging 3.66 percent, down from last week’s average jumbo adjustable rate of 3.73 percent. Today’s refinancing interest rates are also averaging 3.66 percent.

7 year jumbo adjustable loan rates are averaging 4.32 percent, down from last week’s average 7 year adjustable rate of 4.36 percent. 7 year jumbo refinance rates are also lower at 4.32 percent.

10 year jumbo loan rates are averaging 4.83 percent, up from the prior week’s average 10 year jumbo rate of 4.76 percent. 10 year jumbo refinance interest rates are also higher, averaging 4.83 percent.

Conforming Interest Only Adjustable Mortgage Rates Today

Current 3 year interest only adjustable rates are averaging 3.29 percent, down from last week’s average loan rate of 3.57 percent. 3 year interest only adjustable refi rates are also averaging 3.29 percent.

Today's 5 year interest only ARMs are averaging 3.43 percent, down from last week’s average 5 year rate of 3.50 percent. 5 year IO adjustable refinance mortgage loan rates are also averaging 3.43 percent.

7 year interest-only adjustable mortgage loan rates today are averaging 3.84 percent, down from last week’s average 7 year interest only mortgage rate of 4.04 percent. 7 year adjustable refi rates are averaging 3.84 percent.

Interest Only Jumbo Refinance Adjustable Mortgage Rates Current

3 year jumbo interest only loan rates are averaging 4.64 percent, down from last week’s average jumbo adjustable interest only rate of 4.67 percent. 3 year interest only adjustable jumbo refi rates are also averaging 4.64 percent.

5 year adjustable jumbo interest only rates are averaging 4.02 percent, down from last week’s average IO home mortgage interest rate of 4.04 percent. 5 year jumbo adjustable IO loan rates are also averaging 4.02 percent.

7 year jumbo interest only adjustable rates are averaging 4.45 percent, down from last week’s average jumbo rate of 4.65 percent. 7 year jumbo adjustable IO refi are also averaging 4.45 percent.

Home Equity Loan Rates Today

10 year home equity loan rates are averaging 6.79 percent, up from last week’s average home equity loan rate of 6.64 percent.

15 year home equity rates are averaging 6.88 percent, up from the prior week’s average home equity loan rate of 6.50  percent.

Current Home Equity Line of Credit Rates

Home equity line of credit rates are averaging 4.99 percent, down from last week’s average rate HELOC rate of 5.13 percent.

Average mortgage rates and refinance rates are as reported by MonitorBankRates.com. To track mortgage rates on your website use our free mortgage rates widgets.