Mortgage Refinance Rates: 30 Year Refinance Rates at 4.93%, 15 Year Refinance Rates at 4.35%

The average 30 year mortgage refinance rate is slightly lower this week over last week. 30 year mortgage refinance rates have been under 5.00 percent for three consecutive weeks. 30 year refinance interest rates are averaging 4.93 percent, down from last week’s average refinance rate of 4.95 percent. 15 year mortgage refinance rates were unchanged this week over last.  The average 15 year mortgage refinance loan rate is averaging 4.35 percent.

The average 30 year jumbo refinance rate is at 5.54 percent this week, a decrease from last week's average jumbo refi rate of 5.57 percent. The average 15 year jumbo refinance rate was higher this week but rates are still under 5.00 percent for the third consecutive week. 15 year jumbo mortgage refinance rates are averaging 4.99%, an increase from last week’s average rate of 4.97%.

Looking for mortgage refinance rates? Use our rate tables to find the best refinance rates. MortgageRates.MonitorBankRates.com.

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 #1661781

5.760%

15-Year Fixed

5.625%

$3,673

Includes 0.625 points for $2,500

Lender Fees: $1,173

$3,295 /mo

Next >

NMLS #757416

5.868%

15-Year Fixed

5.750%

$3,060

Includes 0.765 points for $3,060

Lender Fees: $0

$3,322 /mo

Next >

NMLS #1025894

5.886%

15-Year Fixed

5.750%

$3,512

Includes 0.703 points for $2,812

Lender Fees: $700

$3,322 /mo

Next >

NMLS #1067

5.891%

15-Year Fixed

5.750%

$3,652

Includes 0.913 points for $3,652

Lender Fees: $0

$3,322 /mo

Next >

NMLS #3030

6.532%

15-Year Fixed

6.375%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,458 /mo

Next >

NMLS #1661781

6.620%

30-Year Fixed

6.500%

$5,173

Includes 1.000 points for $4,000

Lender Fees: $1,173

$2,529 /mo

Next >

NMLS #1025894

6.735%

30-Year Fixed

6.625%

$4,564

Includes 0.966 points for $3,864

Lender Fees: $700

$2,562 /mo

Next >

NMLS #757416

6.822%

30-Year Fixed

6.750%

$2,968

Includes 0.742 points for $2,968

Lender Fees: $0

$2,595 /mo

Next >

NMLS #1067

6.838%

30-Year Fixed

6.750%

$3,620

Includes 0.905 points for $3,620

Lender Fees: $0

$2,595 /mo

Next >

NMLS #1661781

7.244%

5-Year ARM

7.125%

$4,977

Includes 0.951 points for $3,804

Lender Fees: $1,173

$2,695 /mo

Next >

NMLS #3030

7.338%

30-Year Fixed

7.250%

$3,500

Includes 0.875 points for $3,500

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 Refinance Rates

Adjustable Refinance Mortgage Rates – Conforming

1 year adjustable refinance loan rates are averaging 4.47% this week, down slightly from last week when 1 year loan refinance rates averaged 4.48%.

3 year adjustable refi rates are averaging 4.61% this week, an increase from the prior week’s mortgage loan refinance rate of 4.51%.

The average 5 year adjustable refinance interest rate is at 3.92% this week, a decrease from last week’s average mortgage refinance interest rate of 3.97%.

The average 7 year conforming mortgage refinance rate is at 4.37%, down from last week’s average mortgage refinance rate of 4.42%.

The average 10 year refinance mortgage rates is at 4.72% this week, down from last week’s refinance rate of 4.82%.

Jumbo Adjustable Mortgage Refinance Rates

The average 1 year jumbo adjustable refinance rate is at 5.59%, unchanged from last week’s average refinance rate.

3 year jumbo adjustable refi rates are averaging 5.24%, up from last week’s average adjustable refinance loan interest rate of 5.14%.

The average 5 year jumbo refinance interest rate is at 4.58% this week, down from last week’s average refinance bank rate of 4.63%.

7 year jumbo refinance home loan rates are averaging 5.45% this week, up from last week’s average refinance home loan rate of 5.34%.

10 year home refi rates are averaging 5.76% this week, down from the prior week’s average 10 year home refinance rate of 5.88%.

Looking into refinancing your mortgage: Use our refinance rate tables to find the best refinance rates: MortgageRates.MonitorBankRates.com