Conforming mortgage rates are slightly lower this week over last week. 30 year conforming mortgage rates are lower but just above a record low set two weeks ago. 30 year mortgage interest rates are averaging 4.40 percent, just above the record low of 4.36 percent set on September 6, 2010.

15 year conforming mortgage rates and 15 year jumbo mortgages are lower this week over last. Conforming 15 year mortgage rates are averaging 3.86 percent and 15 year jumbo mortgage rates are averaging 4.39 percent.

30 year jumbo mortgage rates bucked the downtrend and are slightly higher this week over last. Current 30 year jumbo mortgage rates are averaging 5.01 percent.

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 #1067

5.514%

15-Year Fixed

5.375%

$3,624

Includes 0.906 points for $3,624

Lender Fees: $0

$3,242 /mo

Next >

NMLS #401822

5.516%

15-Year Fixed

5.250%

$7,000

Includes 0.750 points for $3,000

Lender Fees: $4,000

$3,216 /mo

Next >

NMLS #2578474

5.551%

15-Year Fixed

5.375%

$4,606

Includes 0.889 points for $3,556

Lender Fees: $1,050

$3,242 /mo

Next >

NMLS #2326098

License: 60DBO-181478

5.556%

15-Year Fixed

5.375%

$4,909

Includes 0.739 points for $2,956

Lender Fees: $1,953

$3,242 /mo

Next >

NMLS #757416

5.592%

15-Year Fixed

5.490%

$2,652

Includes 0.663 points for $2,652

Lender Fees: $0

$3,267 /mo

Next >

NMLS #1025894

5.627%

15-Year Fixed

5.490%

$3,572

Includes 0.718 points for $2,872

Lender Fees: $700

$3,267 /mo

Next >

NMLS #2578474

6.360%

30-Year Fixed

6.250%

$4,650

Includes 0.900 points for $3,600

Lender Fees: $1,050

$2,463 /mo

Next >

NMLS #757416

6.437%

30-Year Fixed

6.375%

$2,596

Includes 0.649 points for $2,596

Lender Fees: $0

$2,496 /mo

Next >

NMLS #1067

6.451%

30-Year Fixed

6.375%

$3,208

Includes 0.802 points for $3,208

Lender Fees: $0

$2,496 /mo

Next >

NMLS #2326098

License: 60DBO-181478

6.501%

5-Year ARM

6.375%

$5,501

Includes 0.887 points for $3,548

Lender Fees: $1,953

$2,496 /mo

Next >

NMLS #2326098

License: 60DBO-181478

6.511%

30-Year Fixed

6.375%

$5,897

Includes 0.986 points for $3,944

Lender Fees: $1,953

$2,496 /mo

Next >

NMLS #1025894

6.569%

30-Year Fixed

6.490%

$3,296

Includes 0.649 points for $2,596

Lender Fees: $700

$2,526 /mo

Next >

NMLS #401822

6.620%

30-Year Fixed

6.500%

$4,995

Includes 0.750 points for $3,000

Lender Fees: $1,995

$2,529 /mo

Next >

NMLS #3030

6.764%

15-Year Fixed

6.625%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$3,512 /mo

Next >

NMLS #3030

7.350%

30-Year Fixed

7.250%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$2,729 /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.

Mortgage Rates

Current 30 year mortgage rates are averaging 4.40 percent, a decline from last week’s average 30 year home mortgage interest rate of 4.42 percent. 30 year refinance mortgage rates today are also lower, averaging 4.40 percent. 30 year mortgage rates in Georgia are even lower today, averaging 4.36 percent.

15 year mortgage rates are averaging 3.86 percent, down from the previous week’s average 15 year mortgage interest rate of 3.87 percent. 15 year refinance mortgage rates are also lower, averaging 3.86 percent. 15 year Michigan mortgage rates are averaging 3.85 percent.

Jumbo Mortgage Rates

30 year jumbo mortgage rates are averaging 5.01 percent, an increase from the prior week’s average 30 year jumbo mortgage interest rate of 5.00 percent. 30 year jumbo refinance mortgage rates are also slightly higher by averaging in at 5.01 percent. 30 year Nevada jumbo mortgage rates are under 5.00 percent, averaging 4.98 percent.

Current 15 year jumbo mortgage loan rates are averaging lower at 4.39 percent, down from the prior week's average jumbo mortgage loan rate of 4.57 percent. 15 year jumbo mortgage refinance rates today are also lower at 4.39 percent. The average 15 year California jumbo mortgage loan rates are considerably higher - averaging 4.71 percent.

Conforming Adjustable Mortgage Loan Rates

1 year adjustable mortgage rates are averaging 3.15 percent, down from last week’s average 1 year adjustable home mortgage interest rate of 3.20 percent. 1 year conforming adjustable refinance mortgage rates are also lower this week, averaging 3.15 percent.

3 year adjustable mortgage rates are averaging 3.49 percent, down from last week’s average 3 year adjustable mortgage loan rate of 3.80 percent. 3 year mortgage refinance rates today are also averaging 3.49 percent.

5 year adjustable mortgage loan rates currently are averaging 3.30 percent, down from the prior week’s average mortgage rate of 3.44 percent. 5 year refinance home loan rates today are also averaging lower at 3.30 percent.

7 year adjustable mortgage loan interest rates are averaging 3.52 percent, down from the previous week’s average 7 year home mortgage rate of 3.69 percent. Today's 7 year refinance mortgage loan rates are averaging 3.52 percent.

10 year adjustable bank mortgage loan rates are averaging 3.91 percent this week, down slightly from last week’s average 10 year adjustable mortgage rate of 4.03 percent. 10 year home mortgage refinance rates today are also averaging 3.91 percent.

Adjustable Jumbo Mortgage Loan Rates

1 year jumbo adjustable loan mortgage rates are averaging 5.32 percent, unchanged from the prior week’s average 1 year jumbo adjustable loan mortgage interest rate. 1 year jumbo refinance loan mortgage rates today are unchanged at 5.32 percent.

3 year adjustable jumbo mortgage rates today are unchanged from last week’s average jumbo mortgage loan rate of 4.06 percent.  Current 3 year jumbo refinance mortgage rates today are also unchanged at 4.06 percent.

5 year adjustable jumbo mortgage rates today are averaging 3.71 percent, a decrease from last week’s average mortgage rate of 3.83 percent. 5 year jumbo mortgage loan refinance rates today are also lower at 3.71 percent.

7 year jumbo adjustable mortgage rates today are averaging 4.42 percent, up from last week’s average 7 year home mortgage loan rate of 4.38 percent. 7 year jumbo refinance mortgage rates today are also higher, averaging 4.42 percent.

10 year loan jumbo mortgage rates are averaging 5.01 percent, down from the prior week’s average 10 year jumbo home mortgage rate of 5.02 percent. 10 year jumbo home loan refinance interest rates today are also averaging 5.01 percent.

Conforming Interest Only Adjustable Mortgage Rates

3 year interest only adjustable mortgage loan rates are averaging 3.68 percent, down from last week’s average interest only mortgage loan rate of 3.97 percent. 3 year interest only adjustable refinance mortgage rates are also lower at 3.68 percent.

5 year interest only adjustable bank mortgage rates today are averaging 3.46 percent, down from last week’s average five year interest only mortgage loan rate of 3.62 percent. Today’s 5 year interest only adjustable refinance mortgage rates are averaging 3.46 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.67 percent, down from last week’s average 7 year interest-only mortgage interest rate of 3.84 percent. 7 year adjustable refinance rate mortgages today are averaging 3.68 percent.

Interest Only Jumbo Adjustable Mortgage Rates

3 year jumbo interest only adjustable mortgage rates today are averaging 4.42 percent, down from last week’s average jumbo adjustable interest only mortgage rate of 4.43 percent. 3 year interest only adjustable jumbo refinance rates today are averaging 4.42 percent.

5 year adjustable jumbo loan interest only mortgage rates today are averaging 4.29 percent, up from last week’s average IO home mortgage interest rate of 4.26 percent. 5 year jumbo adjustable IO loan rates are also higher, averaging 4.29 percent.

7 year jumbo IO loan adjustable mortgage rates are averaging 4.81 percent, down from an average jumbo 7 year home mortgage rate of 4.85 percent last week. 7 year jumbo adjustable interest-only mortgage rates today are also averaging lower at 4.81 percent.

Home Equity Loan Rates

Current 10 year home equity loan rates are averaging 6.777 percent, unchanged from the previous week’s average home equity loan rate.

15 year home equity rates today are averaging 7.107 percent, unchanged from last week’s average home equity rate.

Home Equity Line of Credit Rates

Home equity line of credit rates are averaging 4.913 percent, unchanged from last week’s average HELOC rate.