Mortgage Rates Remain Low – Average 15 Year Rates at 2.87%

Average mortgage rates were slightly higher this week but rates are still low and are likely to remain low for the rest of the year. 15 year mortgage rates are unchanged this week, averaging 2.87 percent. These rates are the average rates - you can easily find lenders quoting rates below the averages. Search for lender's rates in your state by using our database of lenders at MonitorBankRates.com/Mortgages.

Jumbo mortgage rates were also higher this week but still low, historically speaking. 30 year jumbo mortgage rates are averaging 4.19 percent, up from last week's average jumbo rate of 3.14 percent. 15 year jumbo mortgage rates are averaging 3.81 percent, an increase from the prior week's average of 3.77 percent.

Listed below is a sample of the best lender's rates in our database listed by state.

California Conforming Mortgage Rates

• Sebonic Financial 30 Year Refinance Rate 3.375% with 2 points
• Sebonic Financial 30 Year Refinance Rate 3.625% with no points
• Sebonic Financial 15 Year Refinance Rate 2.50% with 2 points
• LenderFi 15 Year Refinance Rate 2.75% with 0.10 points
• Xceed Financial Credit Union 2.75% with 0.10 points

Texas Conforming Rates

• Sebonic Financial 30 Year Refinance Rate 3.375% with 2 points
• Sebonic Financial 30 Year Refinance Rate 3.625% with no points
• Sebonic Financial 15 Year Refinance Rate 2.50% with 2 points
• LenderFi 15 Year Refinance Rate 2.75% with 0.10 points

Florida Conforming Rates

• Sebonic Financial 30 Year Refinance Rate 3.375% with 2 points
• erates mortgage 30 Year Refinance Rate 3.50% with 2 points
• Sebonic Financial 30 Year Refinance Rate 3.625% with no points
• Sebonic Financial 15 Year Refinance Rate 2.50% with 2 points
• Sebonic Financial 15 Year Refinance Rate 2.875% with no points

New York Conforming Rates

• Sebonic Financial 30 Year Refinance Rate 3.375% with 2 points
• Sebonic Financial 30 Year Refinance Rate 3.625% with no points
• Sebonic Financial 15 Year Refinance Rate 2.50% with 2 points
• Teachers Federal Credit Union 15 Year Refinance Rates 2.75% with no points

Sebonic Financial is offering the lowest rates in all four states listed above. Unlike many other sites, you will not need to provide any personal financial information when you search for a list rates in your state. Because lenders change rates daily, check here for the latest 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 #2473786

5.045%

15-Year Fixed

4.875%

$4,523

Includes 0.857 points for $3,428

Lender Fees: $1,095

$3,138 /mo

Next >

NMLS #1085173

5.056%

15-Year Fixed

4.875%

$4,870

Includes 0.875 points for $3,500

Lender Fees: $1,370

$3,138 /mo

Next >

NMLS #2059741

5.117%

15-Year Fixed

4.990%

$3,360

Includes 0.840 points for $3,360

Lender Fees: $0

$3,162 /mo

Next >

NMLS #757416

5.141%

15-Year Fixed

4.990%

$3,988

Includes 0.997 points for $3,988

Lender Fees: $0

$3,162 /mo

Next >

NMLS #324599

License: 324599

5.239%

15-Year Fixed

5.125%

$3,070

Includes 0.500 points for $2,000

Lender Fees: $1,070

$3,190 /mo

Next >

NMLS #1312186

5.365%

15-Year Fixed

5.250%

$3,000

Includes 0.750 points for $3,000

Lender Fees: $0

$3,216 /mo

Next >

NMLS #6606

5.392%

15-Year Fixed

5.240%

$3,992

Includes 0.998 points for $3,992

Lender Fees: $0

$3,214 /mo

Next >

NMLS #1954591

License: 60DBO-113383

5.394%

15-Year Fixed

5.250%

$3,835

Includes 0.682 points for $2,728

Lender Fees: $1,107

$3,216 /mo

Next >

NMLS #2473786

5.466%

5-Year ARM

5.375%

$4,067

Includes 0.743 points for $2,972

Lender Fees: $1,095

$2,240 /mo

Next >

NMLS #1025894

5.503%

15-Year Fixed

5.375%

$3,348

Includes 0.662 points for $2,648

Lender Fees: $700

$3,242 /mo

Next >

NMLS #1085173

5.866%

5-Year ARM

5.750%

$5,146

Includes 0.944 points for $3,776

Lender Fees: $1,370

$2,335 /mo

Next >

NMLS #2473786

5.947%

30-Year Fixed

5.875%

$3,135

Includes 0.510 points for $2,040

Lender Fees: $1,095

$2,367 /mo

Next >

NMLS #757416

5.954%

30-Year Fixed

5.875%

$3,436

Includes 0.859 points for $3,436

Lender Fees: $0

$2,367 /mo

Next >

NMLS #2059741

5.955%

30-Year Fixed

5.875%

$3,476

Includes 0.869 points for $3,476

Lender Fees: $0

$2,367 /mo

Next >

NMLS #1085173

5.963%

30-Year Fixed

5.875%

$3,870

Includes 0.625 points for $2,500

Lender Fees: $1,370

$2,367 /mo

Next >

NMLS #1312186

5.964%

5-Year ARM

5.875%

$3,876

Includes 0.969 points for $3,876

Lender Fees: $0

$2,367 /mo

Next >

NMLS #324599

License: 324599

5.990%

30-Year Fixed

5.875%

$5,070

Includes 1.000 points for $4,000

Lender Fees: $1,070

$2,367 /mo

Next >

NMLS #1954591

License: 60DBO-113383

6.094%

5-Year ARM

5.990%

$4,543

Includes 0.859 points for $3,436

Lender Fees: $1,107

$2,396 /mo

Next >

NMLS #324599

License: 324599

6.104%

5-Year ARM

5.990%

$5,006

Includes 0.984 points for $3,936

Lender Fees: $1,070

$2,396 /mo

Next >

NMLS #1025894

6.200%

30-Year Fixed

6.125%

$3,196

Includes 0.624 points for $2,496

Lender Fees: $700

$2,431 /mo

Next >

NMLS #1312186

6.207%

30-Year Fixed

6.125%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$2,431 /mo

Next >

NMLS #1954591

License: 60DBO-113383

6.207%

30-Year Fixed

6.125%

$3,567

Includes 0.615 points for $2,460

Lender Fees: $1,107

$2,431 /mo

Next >

NMLS #399799

6.213%

30-Year Fixed

6.125%

$3,900

Includes 0.643 points for $2,572

Lender Fees: $1,328

$2,431 /mo

Next >

NMLS #6606

6.329%

30-Year Fixed

6.240%

$3,768

Includes 0.942 points for $3,768

Lender Fees: $0

$2,461 /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.