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Refinance Rate Trends

Current Mortgage Refinance Rates October 2026 | As Low As 5.625%

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of lenders. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Refinance Rates Last Updated and Verified: October 6, 2026

Mortgage refinance rates range from 4.50% (5/1 ARM) to 7.38% (FHA), verified by MonitorBankRates as of October 6, 2026. Current mortgage refinance rates include USE Federal Credit Union2705 NW EXPRESSWAY, Dallas, OK, 73112 7047A+5.0 ★Texas Ratio: 0.79% (ARM (Adjustable Rate Mortgage) Cash-Out) at 5.125%, Sharon And Crescent United Credit Union100 Forbes Blvd, Brockton, MA, 02032 1018A+5.0 ★Texas Ratio: 2.19% (Refinance Your Mortgage - On The House - 5/5 ARM) at 5.50%, Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA, 24012 7209A+5.0 ★Texas Ratio: 1.80% (Mortgage Loans - 7/1 ARM - 30 Year Fixed Refinance) at 5.875%, A+ Federal Credit Union1000 S Mays St, Austin, TX, 76548 1745A5.0 ★Texas Ratio: 11.13% (Mortgage Refinance - 5/5 ARM Refinance) at 6.00%, and Tropical Financial Credit Union10510 N Kendall Dr, Coral Springs, FL, 33025A5.0 ★Texas Ratio: 6.93% (Mortgage - 5/6 ARM refi (variable rate)) at 6.00%. Refinance rates as of October 6, 2026 according to verified data from MonitorBankRates.

We compared 7,088 mortgage and refinance rates from 1,161 banks and credit unions across all 50 states to help you find the best 30-year fixed, 15-year fixed, ARM, FHA, VA, jumbo and cash-out refinance rates.

30 lenders in our database publish products labeled for refinancing; those lead the Refinance Products tab below. Most banks and credit unions quote one rate for purchase and refinance loans, and at lenders that price the two separately, refinance rates currently run about 0.180 points above the purchase rate. Pick your state for local lenders listed first, a 90-day trend chart, HMDA data on what homeowners actually paid to refinance, and a break-even calculator. Every lender carries our A-F Safety Grade, Star Rating, and Texas Ratio so you can refinance with a stable institution.

Refinance rates reflect actual verified offers posted by lenders. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 6, 2026

Compare Mortgage Refinance Rates Today

The Refinance Products tab lists products lenders label for refinancing. The remaining tabs show each lender’s posted rate by loan type, which most lenders apply to purchase and refinance loans alike. Use the state filter for a quick look, or open your state page for local lenders, trends, and the break-even calculator.

State:
Jump to: Refinance Products · 30 Year Fixed · 15 Year Fixed · 5/1 ARM · 30-Year Jumbo · 15-Year Jumbo · 5/1 Jumbo ARM · FHA Loans · VA Loans

Lender-Labeled Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
2705 NW EXPRESSWAY, Dallas, OK, 73112 7047
ARM (Adjustable Rate Mortgage) Cash-Out
15 Year; 5/1
5.125%
5.728%
View
▼
Rate5.125%
APR5.728%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 5.73% APR · checked 3 times
5.23%5.73%6.23%Sep 25, 2026: 5.73% APRSep 25, 2026Oct 6, 2026
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
100 Forbes Blvd, Brockton, MA, 02032 1018
Refinance Your Mortgage - On The House - 5/5 ARM
10 Years
5.50%
5.75%
View
▼
Rate5.50%
APR5.75%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 6, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
2705 NW EXPRESSWAY, Dallas, OK, 73112 7047
ARM (Adjustable Rate Mortgage) Cash-Out
30 Year; 5/1
5.50%
6.004%
View
▼
Rate5.50%
APR6.004%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 25, 2026: 6.00% APRSep 25, 2026Oct 6, 2026
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
Mortgage Loans - 7/1 ARM - 30 Year Fixed Refinance
30 Year
5.875%
6.696%
View
▼
Rate5.875%
APR6.696%
Points0.750
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.59% → 6.70% ▲ 0.11 pts · high 6.70% / low 6.59%
6.09%6.64%7.20%Sep 14, 2026: 6.59% APRSep 22, 2026: 6.70% APRSep 14, 2026Oct 6, 2026
  • Sep 22, 20266.70%▲ from 6.59%
  • Sep 14, 20266.59%first recorded
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
Mortgage Loans - 3/1 ARM - 30 Year Fixed Refinance
30 Year
5.875%
7.035%
View
▼
Rate5.875%
APR7.035%
Points0.750
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.97% → 7.04% ▲ 0.07 pts · high 7.04% / low 6.97%
6.47%7.00%7.54%Sep 14, 2026: 6.97% APRSep 22, 2026: 7.04% APRSep 14, 2026Oct 6, 2026
  • Sep 22, 20267.04%▲ from 6.97%
  • Sep 14, 20266.97%first recorded
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
100 Forbes Blvd, Brockton, MA, 02032 1018
Refinance Your Mortgage - On The House - 5/5 ARM
12 Years
5.99%
6.155%
View
▼
Rate5.99%
APR6.155%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.16% APR · checked 7 times
5.66%6.16%6.66%Sep 14, 2026: 6.16% APRSep 14, 2026Oct 6, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
1000 S Mays St, Austin, TX, 76548 1745
Mortgage Refinance - 5/5 ARM Refinance
5 years
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 4, 2026
Details

Term: initial fixed rate period (5 years); Published rate range: As low as 6.000%. As low as; Estimated Payment: $2,098.43 per month for initial fixed rate period (5 years)

Rate History
1 change since Sep 25, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
5.25%5.88%6.50%Sep 25, 2026: 5.75% APROct 2, 2026: 6.00% APRSep 25, 2026Oct 6, 2026
  • Oct 2, 20266.00%▲ from 5.75%
  • Sep 25, 20265.75%first recorded
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
10510 N Kendall Dr, Coral Springs, FL, 33025
Mortgage - 5/6 ARM refi (variable rate)
6.00%
6.076%
View
▼
Rate6.00%
APR6.076%
Points1.125
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 6.08% APR · checked 2 times
5.58%6.08%6.58%Oct 1, 2026: 6.08% APROct 1, 2026Oct 6, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
10510 N Kendall Dr, Coral Springs, FL, 33025
Jumbo 5/6 ARM refi (variable rate)
6.087%
6.125%
View
▼
Rate6.087%
APR6.125%
Points1.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 6.13% APR · checked 2 times
5.63%6.13%6.63%Oct 1, 2026: 6.13% APROct 1, 2026Oct 6, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1400 Riverwood Dr, Bloomington, MN, 53110 2611
Mortgage Loans (Refinance) - 5/6 ARM Refinance
5/6 ARM
6.125%
6.73%
View
▼
Rate6.125%
APR6.73%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.30% → 6.73% ▲ 0.43 pts · high 6.73% / low 6.30%
5.80%6.52%7.23%Sep 14, 2026: 6.30% APRSep 18, 2026: 6.53% APRSep 22, 2026: 6.39% APRSep 27, 2026: 6.63% APROct 2, 2026: 6.73% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.73%▲ from 6.63%
  • Sep 27, 20266.63%▲ from 6.39%
  • Sep 22, 20266.39%▼ from 6.53%
  • Sep 18, 20266.53%▲ from 6.30%
Marion Center Bank
Institution Rating:
B4.3 ★Texas Ratio: 12.13%
106 W Main St, Big Run, PA, 15701
15 Year Fixed: Purchase/Refinance
15 Year
6.15%
6.203%
View
▼
Rate6.15%
APR6.203%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 5.70% → 6.20% ▲ 0.50 pts · high 6.20% / low 5.70%
5.20%5.95%6.71%Sep 15, 2026: 5.70% APROct 1, 2026: 6.20% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20266.20%▲ from 5.70%
  • Sep 15, 20265.70%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1390 N Leroy St, Bay City, MI, 48420
ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 5/1 ARM
5/1 ARM
6.375%
6.583%
View
▼
Rate6.375%
APR6.583%
Points0.000
UpdatedOct 2, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 6.58% APR · checked 3 times
6.08%6.58%7.08%Sep 18, 2026: 6.58% APRSep 18, 2026Oct 6, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
1012 Yellowstone Ave, Albuquerque, AZ, 59105
15-year fixed refinance (first mortgage)
15 year
6.49%
6.49%
View
▼
Rate6.49%
APR6.49%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 5, 2026: 6.49% APROct 5, 2026Oct 6, 2026
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1400 Riverwood Dr, Bloomington, MN, 53110 2611
15-Year Fixed Rate Refinance
15-Year
6.50%
6.745%
View
▼
Rate6.50%
APR6.745%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.09% → 6.75% ▲ 0.66 pts · high 6.75% / low 6.09%
5.43%6.42%7.40%Sep 14, 2026: 6.09% APRSep 18, 2026: 6.37% APRSep 22, 2026: 6.35% APRSep 27, 2026: 6.73% APROct 2, 2026: 6.75% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.75%▲ from 6.73%
  • Sep 27, 20266.73%▲ from 6.35%
  • Sep 22, 20266.35%▼ from 6.37%
  • Sep 18, 20266.37%▲ from 6.09%
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
15 Year Fixed Refinance
15 Year
6.50%
6.763%
View
▼
Rate6.50%
APR6.763%
Points0.750
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.51% → 6.76% ▲ 0.25 pts · high 6.76% / low 6.51%
6.01%6.64%7.26%Sep 14, 2026: 6.51% APRSep 22, 2026: 6.76% APRSep 14, 2026Oct 6, 2026
  • Sep 22, 20266.76%▲ from 6.51%
  • Sep 14, 20266.51%first recorded
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
100 Averill Rd, Coventry, CT, 02816
Fixed Rate Jumbo Mortgages (Purchase or Refinance) - 10 year
10 year
6.50%
6.554%
View
▼
Rate6.50%
APR6.554%
Points0.000
UpdatedOct 3, 2026
Details

Minimum Loan Amount: $832,751

Rate History
1 change since Sep 24, 2026 · 6.18% → 6.55% ▲ 0.38 pts · high 6.55% / low 6.18%
5.68%6.37%7.05%Sep 24, 2026: 6.18% APROct 1, 2026: 6.55% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20266.55%▲ from 6.18%
  • Sep 24, 20266.18%first recorded
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
1400 W Raymond St, Indianapolis, IN, 46202
VA Loan Refinance - 15-Year Fixed
180 months
6.50%
7.186%
View
▼
Rate6.50%
APR7.186%
Points1.875
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 7.19% APR
6.69%7.19%7.69%Oct 5, 2026: 7.19% APROct 5, 2026Oct 6, 2026
Blaze Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
10 Northtown Dr NE, Blaine, MN, 55051 1525
Home Mortgage RefinanceRates Effective: 10/1/2026 - 10/1 ARM Jumbo Refi
6.529%
7.375%
View
▼
Rate6.529%
APR7.375%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.38% APR
6.88%7.38%7.88%Oct 2, 2026: 7.38% APROct 2, 2026Oct 6, 2026
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
1030 Shaw Ave, Atascadero, CA, 91762
7-Year SOFR ARM Jumbo Refinance
6.577%
6.625%
View
▼
Rate6.577%
APR6.625%
Points0.125
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 22, 2026 · 6.39% → 6.63% ▲ 0.24 pts · high 6.63% / low 6.39%
5.89%6.51%7.13%Sep 22, 2026: 6.39% APROct 2, 2026: 6.63% APRSep 22, 2026Oct 6, 2026
  • Oct 2, 20266.63%▲ from 6.39%
  • Sep 22, 20266.39%first recorded
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
100 Averill Rd, Coventry, CT, 02816
Fixed Rate Jumbo Mortgages (Purchase or Refinance) - 15 Year
15 Year
6.625%
6.663%
View
▼
Rate6.625%
APR6.663%
Points0.000
UpdatedOct 3, 2026
Details

Minimum Loan Amount: $832,751

Rate History
1 change since Sep 24, 2026 · 6.29% → 6.66% ▲ 0.38 pts · high 6.66% / low 6.29%
5.79%6.48%7.16%Sep 24, 2026: 6.29% APROct 1, 2026: 6.66% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20266.66%▲ from 6.29%
  • Sep 24, 20266.29%first recorded
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
10510 N Kendall Dr, Coral Springs, FL, 33025
15-year Jumbo refi (fixed rate)
6.625%
6.82%
View
▼
Rate6.625%
APR6.82%
Points1.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 6.82% APR · checked 2 times
6.32%6.82%7.32%Oct 1, 2026: 6.82% APROct 1, 2026Oct 6, 2026
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX, 78102
FHA Purchase / Refinance - 15 Year
15 Year
6.625%
6.837%
View
▼
Rate6.625%
APR6.837%
Points1.000
UpdatedOct 2, 2026
Details

Loan Amount Example: $300,000.00; Monthly Payment Example: $2,633.98

Rate History
1 change since Sep 14, 2026 · 6.92% → 6.84% ▼ 0.09 pts · high 6.92% / low 6.84%
6.34%6.88%7.42%Sep 14, 2026: 6.92% APROct 2, 2026: 6.84% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.84%▼ from 6.92%
  • Sep 14, 20266.92%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX, 78102
FHA Purchase Refinance
15 Year
6.625%
6.837%
View
▼
Rate6.625%
APR6.837%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.92% → 6.84% ▼ 0.09 pts · high 6.92% / low 6.84%
6.34%6.88%7.42%Sep 14, 2026: 6.92% APROct 2, 2026: 6.84% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.84%▼ from 6.92%
  • Sep 14, 20266.92%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX, 78102
VA Purchase Refinance
15 Year
6.625%
6.837%
View
▼
Rate6.625%
APR6.837%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.20% → 6.84% ▲ 0.63 pts · high 6.84% / low 6.20%
5.57%6.52%7.47%Sep 14, 2026: 6.20% APROct 2, 2026: 6.84% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.84%▲ from 6.20%
  • Sep 14, 20266.20%first recorded
Marion Center Bank
Institution Rating:
B4.3 ★Texas Ratio: 12.13%
106 W Main St, Big Run, PA, 15701
30 Year Fixed: Purchase/Refinance
30 Year
6.65%
6.685%
View
▼
Rate6.65%
APR6.685%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
2 changes since Sep 15, 2026 · 6.03% → 6.69% ▲ 0.65 pts · high 6.69% / low 6.03%
5.38%6.36%7.34%Sep 15, 2026: 6.03% APRSep 27, 2026: 6.18% APROct 1, 2026: 6.69% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20266.69%▲ from 6.18%
  • Sep 27, 20266.18%▲ from 6.03%
  • Sep 15, 20266.03%first recorded
The Equitable Bank, S.S.B.
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
2290 N Mayfair Rd, Delafield, WI, 53018
15 Year Fixed Refinance
15 Year
6.75%
6.885%
View
▼
Rate6.75%
APR6.885%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
4 changes since Sep 16, 2026 · 6.63% → 6.89% ▲ 0.25 pts · high 7.01% / low 6.63%
6.13%6.82%7.51%Sep 16, 2026: 6.63% APRSep 24, 2026: 6.76% APRSep 28, 2026: 6.89% APROct 1, 2026: 7.01% APROct 3, 2026: 6.89% APRSep 16, 2026Oct 6, 2026
  • Oct 3, 20266.89%▼ from 7.01%
  • Oct 1, 20267.01%▲ from 6.89%
  • Sep 28, 20266.89%▲ from 6.76%
  • Sep 24, 20266.76%▲ from 6.63%
Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
Scotiabank Building Cardinal Avenue 3rd Floor, George Town, 00000
15-Year Fixed Rate Mortgage Refinance
15 years
6.75%
6.952%
View
▼
Rate6.75%
APR6.952%
Points0.750
UpdatedOct 2, 2026
Details

Rates listed include 0.125% autopay and paperless discount. Requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction.

Rate History
No change since Oct 1, 2026 · 6.95% APR · checked 2 times
6.45%6.95%7.45%Oct 1, 2026: 6.95% APROct 1, 2026Oct 6, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
10510 N Kendall Dr, Coral Springs, FL, 33025
30 Year Jumbo refi (fixed rate)
6.75%
6.895%
View
▼
Rate6.75%
APR6.895%
Points1.250
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 6.90% APR · checked 2 times
6.40%6.90%7.40%Oct 1, 2026: 6.90% APROct 1, 2026Oct 6, 2026
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1090 W Sunset Rd Ste B, Henderson, NV, 89014 6678
Refi ONCU 30 Yr Fixed - 1 Point
6.875%
7.009%
View
▼
Rate6.875%
APR7.009%
Points1.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
3 changes since Sep 22, 2026 · 6.25% → 7.01% ▲ 0.76 pts · high 7.01% / low 6.25%
5.50%6.63%7.77%Sep 22, 2026: 6.25% APRSep 27, 2026: 6.76% APROct 1, 2026: 6.88% APROct 2, 2026: 7.01% APRSep 22, 2026Oct 6, 2026
  • Oct 2, 20267.01%▲ from 6.88%
  • Oct 1, 20266.88%▲ from 6.76%
  • Sep 27, 20266.76%▲ from 6.25%
  • Sep 22, 20266.25%first recorded
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1090 W Sunset Rd Ste B, Henderson, NV, 89014 6678
Refi FHA 30 Year Fixed
6.875%
7.082%
View
▼
Rate6.875%
APR7.082%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.32% → 7.08% ▲ 0.76 pts · high 7.08% / low 6.32%
5.56%6.70%7.84%Sep 14, 2026: 6.32% APRSep 18, 2026: 6.58% APRSep 27, 2026: 7.08% APRSep 14, 2026Oct 6, 2026
  • Sep 27, 20267.08%▲ from 6.58%
  • Sep 18, 20266.58%▲ from 6.32%
  • Sep 14, 20266.32%first recorded
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1037 Washington Ave, Battle Creek, MI, 48823
15-Yr Refinance
6.875%
7.056%
View
▼
Rate6.875%
APR7.056%
Points0.500
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.06% APR
6.56%7.06%7.56%Oct 2, 2026: 7.06% APROct 2, 2026Oct 6, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
110 Commerce Dr, Casper, WY, 82009 7359
Purchases and First Mortgage Refinances - 30 year VA
6.875%
6.875%
View
▼
Rate6.875%
APR6.875%
Points0.000
UpdatedOct 4, 2026
Details

As Low As

Rate History
No change since Oct 2, 2026 · 6.88% APR · checked 2 times
6.38%6.88%7.38%Oct 2, 2026: 6.88% APROct 2, 2026Oct 6, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
10161 W Grand Parkway, Cypress, TX, 77040 6229
Cash Out Refinances - VA Loan
6.875%
7.234%
View
▼
Rate6.875%
APR7.234%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 22, 2026 · 6.71% → 7.23% ▲ 0.53 pts · high 7.23% / low 6.71%
6.18%6.97%7.76%Sep 22, 2026: 6.71% APROct 1, 2026: 7.23% APRSep 22, 2026Oct 6, 2026
  • Oct 1, 20267.23%▲ from 6.71%
  • Sep 22, 20266.71%first recorded
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
1000 Jackson St, Asbury, IA, 50111
Refinance: 15-Year Fixed Conventional
15-Year
6.88%
7.00%
View
▼
Rate6.88%
APR7.00%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50%
6.00%6.75%7.50%Sep 14, 2026: 6.50% APROct 1, 2026: 6.88% APROct 2, 2026: 7.00% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.00%▲ from 6.88%
  • Oct 1, 20266.88%▲ from 6.50%
  • Sep 14, 20266.50%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
1102 W Chicago Blvd, Adrian, MI, 48131 8608
30 Year Fixed - Cash Out Refinances
30 year
7.00%
7.019%
View
▼
Rate7.00%
APR7.019%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 7.02% APR · checked 5 times
6.52%7.02%7.52%Sep 14, 2026: 7.02% APRSep 14, 2026Oct 6, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
1102 W Chicago Blvd, Adrian, MI, 48131 8608
30 Year Fixed - Refinances
30 year
7.00%
7.019%
View
▼
Rate7.00%
APR7.019%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 7.02% APR · checked 5 times
6.52%7.02%7.52%Sep 14, 2026: 7.02% APRSep 14, 2026Oct 6, 2026
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
10750 France Ave S, Andover, MN, 55304
VA IRRRL 30-Year Fixed
30-Year
7.00%
7.114%
View
▼
Rate7.00%
APR7.114%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.49% → 7.11% ▲ 0.63 pts · high 7.11% / low 6.49%
5.86%6.80%7.74%Sep 14, 2026: 6.49% APRSep 18, 2026: 6.74% APRSep 29, 2026: 7.11% APRSep 14, 2026Oct 6, 2026
  • Sep 29, 20267.11%▲ from 6.74%
  • Sep 18, 20266.74%▲ from 6.49%
  • Sep 14, 20266.49%first recorded
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
30 Year Fixed Refinance
30 Year
7.00%
7.168%
View
▼
Rate7.00%
APR7.168%
Points0.750
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.04% → 7.17% ▲ 0.13 pts · high 7.17% / low 7.04%
6.54%7.10%7.67%Sep 14, 2026: 7.04% APRSep 22, 2026: 7.17% APRSep 14, 2026Oct 6, 2026
  • Sep 22, 20267.17%▲ from 7.04%
  • Sep 14, 20267.04%first recorded
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1090 W Sunset Rd Ste B, Henderson, NV, 89014 6678
Refi VA 30 Year Fixed
7.00%
7.36%
View
▼
Rate7.00%
APR7.36%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.59% → 7.36% ▲ 0.77 pts · high 7.36% / low 6.59%
5.83%6.98%8.13%Sep 14, 2026: 6.59% APRSep 18, 2026: 6.85% APRSep 27, 2026: 7.36% APROct 1, 2026: 7.23% APROct 2, 2026: 7.36% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.36%▲ from 7.23%
  • Oct 1, 20267.23%▼ from 7.36%
  • Sep 27, 20267.36%▲ from 6.85%
  • Sep 18, 20266.85%▲ from 6.59%
Blaze Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
10 Northtown Dr NE, Blaine, MN, 55051 1525
15 Year Fixed Refi - Max Closing Costs
7.00%
7.04%
View
▼
Rate7.00%
APR7.04%
Points0.000
UpdatedOct 2, 2026
Details

$1,500+; Max $1,500+ Closing Costs

Rate History
3 changes since Sep 14, 2026 · 6.29% → 7.04% ▲ 0.75 pts · high 7.04% / low 6.29%
5.53%6.66%7.79%Sep 14, 2026: 6.29% APRSep 18, 2026: 6.54% APROct 1, 2026: 6.91% APROct 2, 2026: 7.04% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.04%▲ from 6.91%
  • Oct 1, 20266.91%▲ from 6.54%
  • Sep 18, 20266.54%▲ from 6.29%
  • Sep 14, 20266.29%first recorded
First Fed Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.33%
105 W 8th St, Bainbridge Island, WA, 98004
15-year Fixed Rate Refinance
15-year
7.00%
7.11%
View
▼
Rate7.00%
APR7.11%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.11% APR
6.61%7.11%7.61%Oct 2, 2026: 7.11% APROct 2, 2026Oct 6, 2026
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1037 Washington Ave, Battle Creek, MI, 48823
15-Yr Refinance
7.00%
7.14%
View
▼
Rate7.00%
APR7.14%
Points0.250
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.14% APR
6.64%7.14%7.64%Oct 2, 2026: 7.14% APROct 2, 2026Oct 6, 2026
Watertown Savings Bank Watertown, MA
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
10 Bigelow Ave, Arlington, MA, 02421
Conforming and Jumbo - Purchase and Refinance
30 years
7.00%
7.014%
View
▼
Rate7.00%
APR7.014%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
2 changes since Sep 15, 2026 · 6.51% → 7.01% ▲ 0.50 pts · high 7.01% / low 6.51%
6.01%6.76%7.51%Sep 15, 2026: 6.51% APRSep 19, 2026: 6.64% APRSep 24, 2026: 7.01% APRSep 15, 2026Oct 6, 2026
  • Sep 24, 20267.01%▲ from 6.64%
  • Sep 19, 20266.64%▲ from 6.51%
  • Sep 15, 20266.51%first recorded
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
110 Commerce Dr, Casper, WY, 82009 7359
Purchases and First Mortgage Refinances - 30 year FHA
7.00%
7.00%
View
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedOct 4, 2026
Details

As Low As

Rate History
No change since Oct 2, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 2, 2026: 7.00% APROct 2, 2026Oct 6, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
1800 Barrs St, Hammond, FL, 32202
VA 30 year IRRRL Loan
30 year
7.00%
7.176%
View
▼
Rate7.00%
APR7.176%
Points0.500
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.00% → 7.18% ▲ 0.18 pts · high 7.18% / low 7.00%
6.50%7.09%7.68%Sep 14, 2026: 7.00% APROct 1, 2026: 7.18% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20267.18%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
First Fed Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.33%
105 W 8th St, Bainbridge Island, WA, 98004
VA Home Loan: Cash-out Refi
30-year Fixed Rate
7.00%
7.286%
View
▼
Rate7.00%
APR7.286%
Points0.125
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.29% APR
6.79%7.29%7.79%Oct 2, 2026: 7.29% APROct 2, 2026Oct 6, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ, 78288
VA cash-out refinance loan
7.00%
7.565%
View
▼
Rate7.00%
APR7.565%
Points1.113
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 7.57% APR · checked 2 times
7.07%7.57%8.07%Oct 1, 2026: 7.57% APROct 1, 2026Oct 6, 2026
First Fed Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.33%
105 W 8th St, Bainbridge Island, WA, 98004
30-year Fixed Rate VA Refinance
30-year
7.125%
7.24%
View
▼
Rate7.125%
APR7.24%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.24% APR
6.74%7.24%7.74%Oct 2, 2026: 7.24% APROct 2, 2026Oct 6, 2026
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
100 Averill Rd, Coventry, CT, 02816
Fixed Rate Jumbo Mortgages (Purchase or Refinance) - 20 Year
20 Year
7.125%
7.156%
View
▼
Rate7.125%
APR7.156%
Points0.000
UpdatedOct 3, 2026
Details

Minimum Loan Amount: $832,751

Rate History
1 change since Sep 24, 2026 · 6.91% → 7.16% ▲ 0.25 pts · high 7.16% / low 6.91%
6.41%7.03%7.66%Sep 24, 2026: 6.91% APROct 1, 2026: 7.16% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20267.16%▲ from 6.91%
  • Sep 24, 20266.91%first recorded
Blaze Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
10 Northtown Dr NE, Blaine, MN, 55051 1525
15 Year Fixed Jumbo Refi
7.125%
7.224%
View
▼
Rate7.125%
APR7.224%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 6.53% → 7.22% ▲ 0.69 pts · high 7.22% / low 6.53%
5.84%6.88%7.92%Sep 14, 2026: 6.53% APRSep 18, 2026: 6.63% APROct 1, 2026: 7.03% APROct 2, 2026: 7.22% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.22%▲ from 7.03%
  • Oct 1, 20267.03%▲ from 6.63%
  • Sep 18, 20266.63%▲ from 6.53%
  • Sep 14, 20266.53%first recorded
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
1800 Barrs St, Hammond, FL, 32202
VA 30 year IRRRL Loan
30 year
7.125%
7.251%
View
▼
Rate7.125%
APR7.251%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 14, 2026: 7.00% APROct 1, 2026: 7.25% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20267.25%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
The Equitable Bank, S.S.B.
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
2290 N Mayfair Rd, Delafield, WI, 53018
30 Year Fixed Refinance
30 Year
7.25%
7.335%
View
▼
Rate7.25%
APR7.335%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
5 changes since Sep 16, 2026 · 7.08% → 7.34% ▲ 0.25 pts · high 7.59% / low 6.96%
6.33%7.27%8.22%Sep 16, 2026: 7.08% APRSep 20, 2026: 6.96% APRSep 24, 2026: 7.21% APRSep 28, 2026: 7.34% APROct 1, 2026: 7.59% APROct 3, 2026: 7.34% APRSep 16, 2026Oct 6, 2026
  • Oct 3, 20267.34%▼ from 7.59%
  • Oct 1, 20267.59%▲ from 7.34%
  • Sep 28, 20267.34%▲ from 7.21%
  • Sep 24, 20267.21%▲ from 6.96%
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
1000 Jackson St, Asbury, IA, 50111
Refinance: 30-Year Fixed Conventional
30-Year
7.25%
7.35%
View
▼
Rate7.25%
APR7.35%
Points0.000
UpdatedOct 2, 2026
Details

Additional APR listed for this product: 7.41%.

Rate History
1 change since Oct 1, 2026 · 7.33% → 7.35% ▲ 0.02 pts · high 7.35% / low 7.33%
6.83%7.34%7.85%Oct 1, 2026: 7.33% APROct 2, 2026: 7.35% APROct 1, 2026Oct 6, 2026
  • Oct 2, 20267.35%▲ from 7.33%
  • Oct 1, 20267.33%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1400 Riverwood Dr, Bloomington, MN, 53110 2611
30-Year Fixed Rate Refinance
30-Year
7.25%
7.367%
View
▼
Rate7.25%
APR7.367%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.63% → 7.37% ▲ 0.74 pts · high 7.37% / low 6.63%
5.89%7.00%8.11%Sep 14, 2026: 6.63% APRSep 18, 2026: 6.89% APRSep 22, 2026: 6.88% APRSep 27, 2026: 7.14% APROct 2, 2026: 7.37% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.37%▲ from 7.14%
  • Sep 27, 20267.14%▲ from 6.88%
  • Sep 22, 20266.88%▼ from 6.89%
  • Sep 18, 20266.89%▲ from 6.63%
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
107 Leroy Bowen Dr, Bedford, VA, 24012 7209
30 Year Fixed Refinance (Cash Out)
30 Year
7.25%
7.422%
View
▼
Rate7.25%
APR7.422%
Points0.750
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.17% → 7.42% ▲ 0.25 pts · high 7.42% / low 7.17%
6.67%7.30%7.92%Sep 14, 2026: 7.17% APRSep 22, 2026: 7.42% APRSep 14, 2026Oct 6, 2026
  • Sep 22, 20267.42%▲ from 7.17%
  • Sep 14, 20267.17%first recorded
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
100 Averill Rd, Coventry, CT, 02816
Fixed Rate Jumbo Mortgages (Purchase or Refinance) - 30 Year
30 Year
7.25%
7.274%
View
▼
Rate7.25%
APR7.274%
Points0.000
UpdatedOct 3, 2026
Details

Minimum Loan Amount: $832,751

Rate History
1 change since Sep 24, 2026 · 7.02% → 7.27% ▲ 0.25 pts · high 7.27% / low 7.02%
6.52%7.15%7.77%Sep 24, 2026: 7.02% APROct 1, 2026: 7.27% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20267.27%▲ from 7.02%
  • Sep 24, 20267.02%first recorded
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
10761 Pippin Rd, Blue Ash, OH, 45042
Purchase / Refinance - 30-Year VA Loan
30-Year
7.25%
7.535%
View
▼
Rate7.25%
APR7.535%
Points1.500
UpdatedOct 6, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.54% APR · checked 2 times
7.04%7.54%8.04%Oct 2, 2026: 7.54% APROct 2, 2026Oct 6, 2026
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 Main St, Adrian, IA, 28803
Refinance - VA 30 Year Loan
VA 30 Year
7.25%
7.541%
View
▼
Rate7.25%
APR7.541%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 7.54% APR · checked 2 times
7.04%7.54%8.04%Oct 1, 2026: 7.54% APROct 1, 2026Oct 6, 2026
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
10761 Pippin Rd, Blue Ash, OH, 45042
Purchase / Refinance - 15-Year VA Loan
15-Year
7.25%
7.708%
View
▼
Rate7.25%
APR7.708%
Points1.500
UpdatedOct 6, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.71% APR · checked 2 times
7.21%7.71%8.21%Oct 2, 2026: 7.71% APROct 2, 2026Oct 6, 2026
First Fed Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.33%
105 W 8th St, Bainbridge Island, WA, 98004
30-year Fixed Rate Jumbo Refinance
30-year
7.303%
7.50%
View
▼
Rate7.303%
APR7.50%
Points0.250
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 27, 2026 · 7.59% → 7.50% ▼ 0.09 pts · high 7.59% / low 7.50%
7.00%7.55%8.09%Sep 27, 2026: 7.59% APROct 2, 2026: 7.50% APRSep 27, 2026Oct 6, 2026
  • Oct 2, 20267.50%▼ from 7.59%
  • Sep 27, 20267.59%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX, 78102
FHA Purchase / Refinance - 20 Year
20 Year
7.375%
7.41%
View
▼
Rate7.375%
APR7.41%
Points0.000
UpdatedOct 2, 2026
Details

Loan Amount Example: $300,000.00; Monthly Payment Example: $2,393.90

Rate History
1 change since Sep 14, 2026 · 7.31% → 7.41% ▲ 0.10 pts · high 7.41% / low 7.31%
6.81%7.36%7.91%Sep 14, 2026: 7.31% APROct 2, 2026: 7.41% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.41%▲ from 7.31%
  • Sep 14, 20267.31%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX, 78102
FHA Purchase Refinance
20 Year
7.375%
7.41%
View
▼
Rate7.375%
APR7.41%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.31% → 7.41% ▲ 0.10 pts · high 7.41% / low 7.31%
6.81%7.36%7.91%Sep 14, 2026: 7.31% APROct 2, 2026: 7.41% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.41%▲ from 7.31%
  • Sep 14, 20267.31%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX, 78102
FHA Purchase / Refinance - 30 Year
30 Year
7.375%
7.416%
View
▼
Rate7.375%
APR7.416%
Points0.000
UpdatedOct 2, 2026
Details

Loan Amount Example: $300,000.00; Monthly Payment Example: $2,072.03

Rate History
1 change since Sep 14, 2026 · 7.32% → 7.42% ▲ 0.10 pts · high 7.42% / low 7.32%
6.82%7.37%7.92%Sep 14, 2026: 7.32% APROct 2, 2026: 7.42% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.42%▲ from 7.32%
  • Sep 14, 20267.32%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX, 78102
VA Purchase Refinance
20 Year
7.375%
7.41%
View
▼
Rate7.375%
APR7.41%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.69% → 7.41% ▲ 0.72 pts · high 7.41% / low 6.69%
5.97%7.05%8.13%Sep 14, 2026: 6.69% APROct 2, 2026: 7.41% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.41%▲ from 6.69%
  • Sep 14, 20266.69%first recorded
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1037 Washington Ave, Battle Creek, MI, 48823
Mortgage Refinance - 30-Yr VA Loan
7.375%
7.482%
View
▼
Rate7.375%
APR7.482%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.48% APR
6.98%7.48%7.98%Oct 2, 2026: 7.48% APROct 2, 2026Oct 6, 2026
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
1000 Jackson St, Asbury, IA, 50111
Refinance: 30-Year Fixed Conventional
30-Year
7.38%
7.43%
View
▼
Rate7.38%
APR7.43%
Points0.000
UpdatedOct 2, 2026
Details

Additional APR listed for this product: 7.45%.

Rate History
No change since Oct 1, 2026 · 7.43% APR · checked 2 times
6.93%7.43%7.93%Oct 1, 2026: 7.43% APROct 1, 2026Oct 6, 2026
First Fed Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.33%
105 W 8th St, Bainbridge Island, WA, 98004
15-year Fixed Rate Jumbo Refinance
15-year
7.50%
7.686%
View
▼
Rate7.50%
APR7.686%
Points0.500
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.69% APR
7.19%7.69%8.19%Oct 2, 2026: 7.69% APROct 2, 2026Oct 6, 2026
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
1400 W Raymond St, Indianapolis, IN, 46202
VA Loan Refinance - 30-Year Fixed
360 months
7.50%
7.741%
View
▼
Rate7.50%
APR7.741%
Points-0.125
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 17, 2026 · 7.11% → 7.74% ▲ 0.63 pts · high 7.74% / low 7.11%
6.47%7.42%8.38%Sep 17, 2026: 7.11% APROct 5, 2026: 7.74% APRSep 17, 2026Oct 6, 2026
  • Oct 5, 20267.74%▲ from 7.11%
  • Sep 17, 20267.11%first recorded
Blaze Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
10 Northtown Dr NE, Blaine, MN, 55051 1525
30 Year Fixed Refi Jumbo
7.75%
7.81%
View
▼
Rate7.75%
APR7.81%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 7.05% → 7.81% ▲ 0.76 pts · high 7.81% / low 7.05%
6.28%7.43%8.57%Sep 14, 2026: 7.05% APRSep 18, 2026: 7.17% APROct 1, 2026: 7.69% APROct 2, 2026: 7.81% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.81%▲ from 7.69%
  • Oct 1, 20267.69%▲ from 7.17%
  • Sep 18, 20267.17%▲ from 7.05%
  • Sep 14, 20267.05%first recorded
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
1696 US Highway Hwy 181, Alice, TX, 78332
Purchase/Refinance/Cash Out Jumbo Loan to $1,599,999.99
30 year fixed
7.75%
7.90%
View
▼
Rate7.75%
APR7.90%
Points0.000
UpdatedOct 4, 2026
Details

$1,000,000; As Low As

Rate History
1 change since Sep 14, 2026 · 7.37% → 7.90% ▲ 0.53 pts · high 7.90% / low 7.37%
6.85%7.64%8.43%Sep 14, 2026: 7.37% APROct 4, 2026: 7.90% APRSep 14, 2026Oct 6, 2026
  • Oct 4, 20267.90%▲ from 7.37%
  • Sep 14, 20267.37%first recorded
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1037 Washington Ave, Battle Creek, MI, 48823
30-Yr JUMBO Refi
7.875%
7.891%
View
▼
Rate7.875%
APR7.891%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 7.89% APR
7.39%7.89%8.39%Oct 2, 2026: 7.89% APROct 2, 2026Oct 6, 2026
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
1696 US Highway Hwy 181, Alice, TX, 78332
Purchase/Refinance/Cash Out Super Jumbo Loan
30 year fixed
8.00%
8.15%
View
▼
Rate8.00%
APR8.15%
Points0.000
UpdatedOct 4, 2026
Details

$1,600,000.00+; As Low As

Rate History
1 change since Sep 14, 2026 · 7.63% → 8.15% ▲ 0.53 pts · high 8.15% / low 7.63%
7.10%7.89%8.68%Sep 14, 2026: 7.63% APROct 4, 2026: 8.15% APRSep 14, 2026Oct 6, 2026
  • Oct 4, 20268.15%▲ from 7.63%
  • Sep 14, 20267.63%first recorded

30 Year Fixed Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Advance Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
31 W US Highway 30, East Chicago, IN, 46312
30-Year Fixed Mortgage
30 Year
5.625%
5.625%
View
▼
Rate5.625%
APR5.625%
Points0.000
UpdatedOct 5, 2026
Details

Your Dream Home Starts Here

Rate History
No change since Sep 14, 2026 · 5.63% APR · checked 8 times
5.13%5.63%6.13%Sep 14, 2026: 5.63% APRSep 14, 2026Oct 6, 2026
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
112 County Rd, Amesbury, MA, 01913
First-Time/Affordable Homebuyer Loan - 30 Year Fixed
30 Year
5.625%
5.671%
View
▼
Rate5.625%
APR5.671%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 5.55% → 5.67% ▲ 0.13 pts · high 5.67% / low 5.55%
5.05%5.61%6.17%Sep 15, 2026: 5.55% APROct 1, 2026: 5.67% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20265.67%▲ from 5.55%
  • Sep 15, 20265.55%first recorded
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1070 E Teague Ave, Clovis, CA, 93230 4938
30 Year Fixed Rate Jumbo - Primary Residence
30 Year
5.75%
5.779%
View
▼
Rate5.75%
APR5.779%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 29, 2026 · 5.78% APR · checked 3 times
5.28%5.78%6.28%Sep 29, 2026: 5.78% APRSep 29, 2026Oct 6, 2026
Credit Union 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
111 Lower Mill Bay Rd, Anchorage, AK, 99501 3411
30-Year Fixed First time Homebuyer
30-Year
5.625%
5.813%
View
▼
Rate5.625%
APR5.813%
Points0.000
UpdatedOct 2, 2026
Details

Owner Occupied 1st Deed of Trust (Single Family or Approved/Eligible Condo); Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 30 years

Rate History
No change since Sep 14, 2026 · 5.81% APR · checked 6 times
5.31%5.81%6.31%Sep 14, 2026: 5.81% APRSep 14, 2026Oct 6, 2026
Thrive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
2610 N Wheeling Ave, Muncie, IN, 47302 9405
30 Year Fixed
30 Year
5.75%
5.848%
View
▼
Rate5.75%
APR5.848%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 5.85% APR · checked 3 times
5.35%5.85%6.35%Sep 16, 2026: 5.85% APRSep 16, 2026Oct 6, 2026
Hill District Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 25.14%
2021 Centre Ave, Pittsburgh, PA, 15219 6301
30-Year Fixed
30-Year
5.75%
5.889%
View
▼
Rate5.75%
APR5.889%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 5.89% APR · checked 3 times
5.39%5.89%6.39%Sep 17, 2026: 5.89% APRSep 17, 2026Oct 6, 2026
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
15125 Silver Pkwy, Bay City, MI, 48423 2529
30 Year Fixed - without DPA
30 Year
5.75%
5.891%
View
▼
Rate5.75%
APR5.891%
Points0.000
UpdatedOct 2, 2026
Details

without DPA

Rate History
No change since Sep 14, 2026 · 5.89% APR · checked 6 times
5.39%5.89%6.39%Sep 14, 2026: 5.89% APRSep 14, 2026Oct 6, 2026
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1070 E Teague Ave, Clovis, CA, 93230 4938
30 Year Fixed Rate - Primary Residence
30 Year
5.75%
5.902%
View
▼
Rate5.75%
APR5.902%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 29, 2026 · 5.90% APR · checked 3 times
5.40%5.90%6.40%Sep 29, 2026: 5.90% APRSep 29, 2026Oct 6, 2026
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1288 Ala Moana Blvd Ste 106, Ewa Beach, HI, 96706 2268
30 Year Mortgage- Owner Occupied, First Liens
360 months
5.75%
5.973%
View
▼
Rate5.75%
APR5.973%
Points2.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 5.97% APR · checked 2 times
5.47%5.97%6.47%Oct 2, 2026: 5.97% APROct 2, 2026Oct 6, 2026
Mutual S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
2900 Clearview Pkwy, Mandeville, LA, 70006
APR (30yr) Loan
30 years
5.976%
View
▼
Rate
APR5.976%
Points0.000
UpdatedOct 3, 2026
Details

Additional APR listed for this product: 5.979%.

Rate History
No change since Sep 29, 2026 · 5.98% APR · checked 3 times
5.48%5.98%6.48%Sep 29, 2026: 5.98% APRSep 29, 2026Oct 6, 2026
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10175 State Road 54, Bradenton, FL, 33511 5706
Second Home Mortgages - 30 Year Fixed
30 Year
5.85%
5.99%
View
▼
Rate5.85%
APR5.99%
Points0.000
UpdatedOct 2, 2026
Details

As low as

Rate History
No change since Oct 2, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 2, 2026: 5.99% APROct 2, 2026Oct 6, 2026
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1288 Ala Moana Blvd Ste 106, Ewa Beach, HI, 96706 2268
30 Year Mortgage- Owner Occupied, First Liens
360 months
6.00%
6.036%
View
▼
Rate6.00%
APR6.036%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 6.04% APR · checked 2 times
5.54%6.04%6.54%Oct 2, 2026: 6.04% APROct 2, 2026Oct 6, 2026
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1901 S US Highway 77 Byp, Alice, TX, 77414 3890
30-year fixed
30 years
6.054%
View
▼
Rate
APR6.054%
Points0.000
UpdatedOct 4, 2026
Details

Annual Percentage Rate

Rate History
1 change since Sep 14, 2026 · 5.50% → 6.05% ▲ 0.55 pts · high 6.05% / low 5.50%
4.95%5.78%6.61%Sep 14, 2026: 5.50% APROct 4, 2026: 6.05% APRSep 14, 2026Oct 6, 2026
  • Oct 4, 20266.05%▲ from 5.50%
  • Sep 14, 20265.50%first recorded
Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Main St, Amherst, MA, 01002
Welcome Home - 30-Year Fixed Rate
30-Year
6.00%
6.058%
View
▼
Rate6.00%
APR6.058%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 5.68% → 6.06% ▲ 0.38 pts · high 6.06% / low 5.68%
5.18%5.87%6.56%Sep 15, 2026: 5.68% APRSep 27, 2026: 6.06% APRSep 15, 2026Oct 6, 2026
  • Sep 27, 20266.06%▲ from 5.68%
  • Sep 15, 20265.68%first recorded
First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1341 COVE RD, East Wareham, MA, 02538
30-Year Fixed Mortgage
30-Year
6.00%
6.069%
View
▼
Rate6.00%
APR6.069%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.07% APR · checked 2 times
5.57%6.07%6.57%Sep 14, 2026: 6.07% APRSep 14, 2026Oct 6, 2026
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1008 Fremont St, Bakersfield, CA, 93215
30-Year Fixed Rate
30-Year
6.00%
6.085%
View
▼
Rate6.00%
APR6.085%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 6.09% APR · checked 4 times
5.59%6.09%6.59%Sep 18, 2026: 6.09% APRSep 18, 2026Oct 6, 2026
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA, 01609
30 Year Fixed
30 Years
6.00%
6.088%
View
▼
Rate6.00%
APR6.088%
Points0.000
UpdatedOct 2, 2026
Details

Rate As Low As; Annual Percentage Rate (APR). Subject to change at any time, without notice. APR based on a $125,000 loan with 15 days of prepaid interest, $750 processing fee, $89 tax service fee, $20 tax transcript fee, and $11 flood determination fee to purchase a single family primary residence at an 80% Loan-to-Value (LTV) and a FICO Score of 740 or greater unless otherwise noted. Payment/$1,000 does not include amounts for taxes and insurance premiums. Rates advertised are the best currently available based on credit-worthiness, collateral value and income requirements. Other rates, terms and programs are available. Please contact our mortgage lending department at 508.754.9980 for complete details.

Rate History
No change since Sep 30, 2026 · 6.09% APR · checked 3 times
5.59%6.09%6.59%Sep 30, 2026: 6.09% APRSep 30, 2026Oct 6, 2026
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1070 E Teague Ave, Clovis, CA, 93230 4938
USDA 30 Yr Fix Loan
30 years
6.00%
6.129%
View
▼
Rate6.00%
APR6.129%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 6.13% APR
5.63%6.13%6.63%Oct 2, 2026: 6.13% APROct 2, 2026Oct 6, 2026
PNB of Kewanee
Institution Rating:
B4.7 ★Texas Ratio: 19.21%
109 W Maple Ave, Annawan, IL, 60420
30 Year Fixed Mortgages
5.96%
6.193%
View
▼
Rate5.96%
APR6.193%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 5.73% → 6.19% ▲ 0.46 pts · high 6.19% / low 5.73%
5.23%5.96%6.69%Sep 16, 2026: 5.73% APRSep 24, 2026: 6.19% APRSep 16, 2026Oct 6, 2026
  • Sep 24, 20266.19%▲ from 5.73%
  • Sep 16, 20265.73%first recorded
Pittsfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
110 Dalton Ave, Dalton, MA, 01201
FIRST-TIME HOMEBUYER - 30 Year Fixed
6.125%
6.208%
View
▼
Rate6.125%
APR6.208%
Points0.000
UpdatedOct 3, 2026
Details

Up to 89% financing with no mortgage insurance required.

Rate History
No change since Sep 20, 2026 · 6.21% APR · checked 6 times
5.71%6.21%6.71%Sep 20, 2026: 6.21% APRSep 20, 2026Oct 6, 2026
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
121 S Union St, Akron, IL, 43506
30 Year Mortgage (Fixed)
30 Year
6.24%
View
▼
Rate
APR6.24%
Points0.000
UpdatedOct 2, 2026
Details

Rates include all possible discounts. Contact us to determine which discounts apply to you.

Rate History
1 change since Sep 14, 2026 · 5.49% → 6.24% ▲ 0.75 pts · high 6.24% / low 5.49%
4.74%5.87%6.99%Sep 14, 2026: 5.49% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.24%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1 Browning Pl, Mountain Green, UT, 84050 9326
30-Yr Fixed Long Term
6.24%
View
▼
Rate
APR6.24%
Points0.000
UpdatedOct 5, 2026
Details

10 year call

Rate History
No change since Sep 18, 2026 · 6.24% APR · checked 3 times
5.74%6.24%6.74%Sep 18, 2026: 6.24% APRSep 18, 2026Oct 6, 2026
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
1010 Moore St, Allegan, MI, 49002
MSHDA 30 Year Fixed
6.125%
6.242%
View
▼
Rate6.125%
APR6.242%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 2, 2026: 6.24% APROct 2, 2026Oct 6, 2026
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO, 64485
First Mortgage - 30 Year Fixed Rate
30 Year
6.25%
View
▼
Rate
APR6.25%
Points0.000
UpdatedOct 2, 2026
Details

Conventional; Call Shannon at 816-324-1414 or Jessica at 816-279-5656. to help you with your mortgage loan!

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 6, 2026
Telco Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1010 S SOUTHEAST LOOP 323, Kilgore, TX, 75604
Mortgage - 30 Year Fixed
30 Year
6.25%
View
▼
Rate
APR6.25%
Points0.000
UpdatedOct 2, 2026
Details

As Low As

Rate History
2 changes since Sep 18, 2026 · 6.35% → 6.25% ▼ 0.10 pts · high 6.35% / low 6.10%
5.60%6.23%6.85%Sep 18, 2026: 6.35% APROct 1, 2026: 6.10% APROct 2, 2026: 6.25% APRSep 18, 2026Oct 6, 2026
  • Oct 2, 20266.25%▲ from 6.10%
  • Oct 1, 20266.10%▼ from 6.35%
  • Sep 18, 20266.35%first recorded
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
VA Mortgage - Purchase 30 Year Fixed
30 Year
6.25%
View
▼
Rate
APR6.25%
Points0.000
UpdatedOct 5, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.90% → 6.25% ▲ 0.35 pts · high 6.25% / low 5.90%
5.40%6.08%6.75%Sep 14, 2026: 5.90% APROct 2, 2026: 6.25% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.25%▲ from 5.90%
  • Sep 14, 20265.90%first recorded
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10175 State Road 54, Bradenton, FL, 33511 5706
30-Year Fixed
5.99%
6.25%
View
▼
Rate5.99%
APR6.25%
Points0.000
UpdatedOct 2, 2026
Details

As low as 6.250%

Rate History
No change since Oct 2, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 2, 2026: 6.25% APROct 2, 2026Oct 6, 2026
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1 Towne Ctr, Cliffside Park, NJ, 07006
30 Year Fixed First Lien
30 Year
6.25%
6.25%
View
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedOct 3, 2026
Details

Loan Amounts: Up To $250,000

Rate History
No change since Sep 15, 2026 · 6.25% APR · checked 7 times
5.75%6.25%6.75%Sep 15, 2026: 6.25% APRSep 15, 2026Oct 6, 2026
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1172 River St, Boston, MA, 02108
Mortgage - 30 Year Fixed
30 Year
6.25%
6.27%
View
▼
Rate6.25%
APR6.27%
Points0.000
UpdatedOct 3, 2026
Details

Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.

Rate History
1 change since Sep 24, 2026 · 6.02% → 6.27% ▲ 0.25 pts · high 6.27% / low 6.02%
5.52%6.15%6.77%Sep 24, 2026: 6.02% APROct 1, 2026: 6.27% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20266.27%▲ from 6.02%
  • Sep 24, 20266.02%first recorded
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
112 County Rd, Amesbury, MA, 01913
30 Year Fixed
30 Year
6.00%
6.274%
View
▼
Rate6.00%
APR6.274%
Points2.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 6.15% → 6.27% ▲ 0.13 pts · high 6.27% / low 6.15%
5.65%6.21%6.77%Sep 15, 2026: 6.15% APROct 1, 2026: 6.27% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20266.27%▲ from 6.15%
  • Sep 15, 20266.15%first recorded
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1121 S Magnolia St Ste 900, Beaumont, TX, 75951 5624
30 Year Fixed Rate Mortgage
30 Year
6.00%
6.277%
View
▼
Rate6.00%
APR6.277%
Points0.000
UpdatedOct 5, 2026
Details

APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 6.28% APR · checked 4 times
5.78%6.28%6.78%Sep 14, 2026: 6.28% APRSep 14, 2026Oct 6, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
23 Industrial Park Rd, Biddeford, ME, 04005 3023
30-Year Fixed-Rate
6.28%
View
▼
Rate
APR6.28%
Points0.000
UpdatedOct 2, 2026
Details

Rates and Terms are subject to credit approval.

Rate History
No change since Sep 27, 2026 · 6.28% APR · checked 3 times
5.78%6.28%6.78%Sep 27, 2026: 6.28% APRSep 27, 2026Oct 6, 2026
Reading Co-op Bank
Institution Rating:
A4.5 ★Texas Ratio: 0.72%
10 Wall St, Andover, MA, 01803
30-Year Fixed Rate Mortgage
30 years
6.25%
6.291%
View
▼
Rate6.25%
APR6.291%
Points0.000
UpdatedOct 3, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $400,000 and an estimated property value of $500,000. The property is located in MA and is within Middlesex County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days, and the assumed credit score is 720. At a 6.250% interest rate, the APR for this loan type is 6.291%. The monthly payment schedule would be: - 359 payments of $2,462.87 at an interest rate of 6.250% - 1 payment of $2,462.44 at an interest rate of 6.250%. Minimum payment does not include taxes and homeowner's insurance, and the actual payment may be greater.

Rate History
No change since Oct 3, 2026 · 6.29% APR
5.79%6.29%6.79%Oct 3, 2026: 6.29% APROct 3, 2026Oct 6, 2026
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
125 Boston Post Rd, Bozrah, CT, 06333
all first mortgage rates and payment examples - 30 Year Fixed Conventional
30 Year
6.25%
6.309%
View
▼
Rate6.25%
APR6.309%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
1 change since Oct 2, 2026 · 6.81% → 6.31% ▼ 0.50 pts · high 6.81% / low 6.31%
5.81%6.56%7.31%Oct 2, 2026: 6.81% APROct 4, 2026: 6.31% APROct 2, 2026Oct 6, 2026
  • Oct 4, 20266.31%▼ from 6.81%
  • Oct 2, 20266.81%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
11100 Weymouth Ct, Charlotte Hall, MD, 20603
30 Year Fixed Rate
30 Year
6.125%
6.333%
View
▼
Rate6.125%
APR6.333%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 6.33% APR · checked 3 times
5.83%6.33%6.83%Sep 25, 2026: 6.33% APRSep 25, 2026Oct 6, 2026
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
170 S Rainbow Blvd, Henderson, NV, 89014
30-Year Fixed
30-Year
6.25%
6.368%
View
▼
Rate6.25%
APR6.368%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 5.87% → 6.37% ▲ 0.50 pts · high 6.37% / low 5.87%
5.36%6.12%6.87%Sep 14, 2026: 5.87% APRSep 18, 2026: 6.37% APRSep 14, 2026Oct 6, 2026
  • Sep 18, 20266.37%▲ from 5.87%
  • Sep 14, 20265.87%first recorded
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
1055 W Mercury Blvd, Carrollton, NC, 23060 5814
30 Year Fixed Rate Mortgage
30 Year
6.375%
6.375%
View
▼
Rate6.375%
APR6.375%
Points0.000
UpdatedOct 2, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 6.38% APR · checked 5 times
5.88%6.38%6.88%Sep 18, 2026: 6.38% APRSep 18, 2026Oct 6, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NJ, 08861
First Mortgage - Residential Conforming (non-Jumbo) 30 year fixed (not offered on co-ops)
30 year
6.375%
6.375%
View
▼
Rate6.375%
APR6.375%
Points1.000
UpdatedOct 5, 2026
Details

Up to 1.0 points**

Rate History
No change since Sep 29, 2026 · 6.38% APR · checked 3 times
5.88%6.38%6.88%Sep 29, 2026: 6.38% APRSep 29, 2026Oct 6, 2026
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
1084 Main St, Belchertown, MA, 01007
30 Year Mortgage
30 years
6.125%
6.381%
View
▼
Rate6.125%
APR6.381%
Points2.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 20, 2026 · 6.38% APR · checked 6 times
5.88%6.38%6.88%Sep 20, 2026: 6.38% APRSep 20, 2026Oct 6, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1230 Lakes Dr Ste 108, Brea, CA, 90012 3352
30-Year Fixed
30-Year
6.25%
6.382%
View
▼
Rate6.25%
APR6.382%
Points0.000
UpdatedOct 4, 2026
Details

Loan amount not to exceed $499,999

Rate History
1 change since Sep 14, 2026 · 5.91% → 6.38% ▲ 0.47 pts · high 6.38% / low 5.91%
5.41%6.14%6.88%Sep 14, 2026: 5.91% APRSep 17, 2026: 6.38% APRSep 14, 2026Oct 6, 2026
  • Sep 17, 20266.38%▲ from 5.91%
  • Sep 14, 20265.91%first recorded
JTNB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Broadway, Jim Thorpe, PA, 18229
Current Mortgage - 30 Year Fixed (or 360 monthly payments)
30 Year
6.35%
6.419%
View
▼
Rate6.35%
APR6.419%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 6.42% APR · checked 4 times
5.92%6.42%6.92%Sep 24, 2026: 6.42% APRSep 24, 2026Oct 6, 2026
Iron Workers SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Ridge Rd, Aston, PA, 19014
30 Year Fixed Rate
30 Year
6.125%
6.421%
View
▼
Rate6.125%
APR6.421%
Points3.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 15, 2026 · 6.42% APR · checked 7 times
5.92%6.42%6.92%Sep 15, 2026: 6.42% APRSep 15, 2026Oct 6, 2026
Lusitania Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
107 Pulaski St, Harrison, NJ, 07029
Community First Loan 30 Year Fixed Owner Occupied
30 Year
6.375%
6.422%
View
▼
Rate6.375%
APR6.422%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.04% → 6.42% ▲ 0.39 pts · high 6.42% / low 6.04%
5.54%6.23%6.92%Sep 14, 2026: 6.04% APRSep 20, 2026: 6.17% APROct 1, 2026: 6.42% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20266.42%▲ from 6.17%
  • Sep 20, 20266.17%▲ from 6.04%
  • Sep 14, 20266.04%first recorded
St Annes Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
130 High St, Dartmouth, MA, 02719 3090
30-Year Fixed Rate Mortgage
30-Year
6.375%
6.429%
View
▼
Rate6.375%
APR6.429%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.18% → 6.43% ▲ 0.25 pts · high 6.43% / low 6.18%
5.68%6.30%6.93%Sep 14, 2026: 6.18% APRSep 24, 2026: 6.43% APRSep 14, 2026Oct 6, 2026
  • Sep 24, 20266.43%▲ from 6.18%
  • Sep 14, 20266.18%first recorded
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
112 County Rd, Amesbury, MA, 01913
30 Year Fixed
30 Year
6.25%
6.43%
View
▼
Rate6.25%
APR6.43%
Points1.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 6.30% → 6.43% ▲ 0.13 pts · high 6.43% / low 6.30%
5.80%6.37%6.93%Sep 15, 2026: 6.30% APROct 1, 2026: 6.43% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20266.43%▲ from 6.30%
  • Sep 15, 20266.30%first recorded
Cape Ann Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
109 Main St, Gloucester, MA, 01930
First-Time Homebuyer Mortgage Program - 30 Year Fixed
30 Year
6.375%
6.43%
View
▼
Rate6.375%
APR6.43%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 6.43% APR · checked 5 times
5.93%6.43%6.93%Sep 24, 2026: 6.43% APRSep 24, 2026Oct 6, 2026
Canton Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
671 Washington St, Canton, MA, 02021
30 Year Fixed Rate First-Time Home Buyer
30 Year
6.375%
6.461%
View
▼
Rate6.375%
APR6.461%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Oct 3, 2026 · 6.46% APR
5.96%6.46%6.96%Oct 3, 2026: 6.46% APROct 3, 2026Oct 6, 2026
Pittsfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
110 Dalton Ave, Dalton, MA, 01201
30 Year Fixed
30 Year
6.375%
6.461%
View
▼
Rate6.375%
APR6.461%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 6.46% APR · checked 7 times
5.96%6.46%6.96%Sep 16, 2026: 6.46% APRSep 16, 2026Oct 6, 2026
Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
1 Crane Park Dr Ste 4, Ludlow, MA, 01056
TRIM: The Rate Improver Mortgage - 30-Year Fixed Rate
30-Year
6.375%
6.47%
View
▼
Rate6.375%
APR6.47%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.22% → 6.47% ▲ 0.25 pts · high 6.47% / low 6.22%
5.72%6.34%6.97%Sep 14, 2026: 6.22% APRSep 24, 2026: 6.47% APRSep 14, 2026Oct 6, 2026
  • Sep 24, 20266.47%▲ from 6.22%
  • Sep 14, 20266.22%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
1102 W Chicago Blvd, Adrian, MI, 48131 8608
30 Year Fixed - Purchases
30 year
6.375%
6.472%
View
▼
Rate6.375%
APR6.472%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.47% APR · checked 5 times
5.97%6.47%6.97%Sep 14, 2026: 6.47% APRSep 14, 2026Oct 6, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
100 N First St Ste 400, Anaheim, CA, 32821
Partners - 30 Yr Fixed
30 years
6.482%
View
▼
Rate
APR6.482%
Points0.000
UpdatedOct 5, 2026
Details

My Rate FL Average - 30 Yr Fixed

Rate History
No change since Sep 29, 2026 · 6.48% APR · checked 3 times
5.98%6.48%6.98%Sep 29, 2026: 6.48% APRSep 29, 2026Oct 6, 2026
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
1040 Southpark Blvd, Boone, NC, 27012
30-Year Fixed
6.40%
6.489%
View
▼
Rate6.40%
APR6.489%
Points0.750
UpdatedOct 3, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780. At a 6.400% interest rate, the APR for this loan type is 6.489%. The payment schedule would be: 359 payments of $1,251.01 at an interest rate of 6.400% 1 payment of $1,251.64 at an interest rate of 6.400% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The interest rates, annual percentage rates (APRs), and fees are subject to change without notice.

Rate History
No change since Sep 15, 2026 · 6.49% APR · checked 6 times
5.99%6.49%6.99%Sep 15, 2026: 6.49% APRSep 15, 2026Oct 6, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
11121 Fountains Dr, Bloomington, MN, 55014 1778
Mortgage - 30 Year Fixed
30 Year
6.25%
6.491%
View
▼
Rate6.25%
APR6.491%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 27, 2026 · 6.49% APR · checked 3 times
5.99%6.49%6.99%Sep 27, 2026: 6.49% APRSep 27, 2026Oct 6, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
105 Westminster St, Barre, VT, 05001 4720
30-Year Fixed-rate Home Loan
30-Year
6.50%
View
▼
Rate
APR6.50%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 6, 2026
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
102 Werthan Cir, Clarksville, TN, 37040 1609
30 Year Fixed rate
6.50%
View
▼
Rate
APR6.50%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 5.75% → 6.50% ▲ 0.75 pts · high 6.50% / low 5.75%
5.00%6.13%7.25%Sep 14, 2026: 5.75% APRSep 27, 2026: 6.50% APRSep 14, 2026Oct 6, 2026
  • Sep 27, 20266.50%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
Hudson River Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
NY
30-year fixed
30-year
6.50%
View
▼
Rate
APR6.50%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 6 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 6, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
First Mortgage - Purchase 30 Year Fixed
30 Year
6.50%
View
▼
Rate
APR6.50%
Points0.000
UpdatedOct 5, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 6.35% → 6.50% ▲ 0.15 pts · high 6.50% / low 6.35%
5.85%6.43%7.00%Sep 14, 2026: 6.35% APROct 2, 2026: 6.50% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.50%▲ from 6.35%
  • Sep 14, 20266.35%first recorded
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL, 33136
30 Year Fixed Rate Mortgage
6.50%
View
▼
Rate
APR6.50%
Points0.000
UpdatedOct 6, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 6, 2026
Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3287 Werk Rd, Cincinnati, OH, 45040 8249
For Owner Occupied, Single Family Homes - 30 Yrs. Loan
30 years
6.50%
6.50%
View
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedOct 1, 2026
Details

Tier: A+; LTV: 90%

Rate History
No change since Sep 22, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 22, 2026: 6.50% APRSep 22, 2026Oct 6, 2026
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
14 Faye S Perry drive, Alexander City, AL, 35004 3102
30 Year Fixed 5/5 Mortgage
30 Year
6.50%
6.50%
View
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedOct 2, 2026
Details

As Low As; Index: 60+ day FNMA; Max LTV: Up to 95%

Rate History
No change since Sep 22, 2026 · 6.50% APR · checked 4 times
6.00%6.50%7.00%Sep 22, 2026: 6.50% APRSep 22, 2026Oct 6, 2026

15 Year Fixed Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
FedTrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
167 N Main St Ste 102, Arlington, TN, 38002 8395
15-Year Fixed Rate Conventional Mortgage
15-Year
5.00%
5.00%
View
▼
Rate5.00%
APR5.00%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 8 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 6, 2026
Childrens Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3333 Burnet Ave, Cincinnati, OH, 45229 3026
First Mortgage 15 Year Fixed Rate
180 months
5.25%
View
▼
Rate
APR5.25%
Points0.000
UpdatedOct 5, 2026
Details

**THESE PROMOTIONAL RATES ARE AVAILABLE FOR A LIMITED TIME AS APPROVED BY THE CMC FEDERAL CREDIT UNION BOARD OF DIRECTORS**

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 8 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 6, 2026
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
14 Faye S Perry drive, Alexander City, AL, 35004 3102
15 Year Fixed Mortgage
15 Year
5.25%
5.25%
View
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedOct 2, 2026
Details

As Low As; Max LTV: Up to 95%

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 6, 2026
Telco Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1010 S SOUTHEAST LOOP 323, Kilgore, TX, 75604
Mortgage - 15 Year Fixed
15 Year
5.50%
View
▼
Rate
APR5.50%
Points0.000
UpdatedOct 2, 2026
Details

As Low As

Rate History
2 changes since Sep 18, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 18, 2026: 5.25% APROct 1, 2026: 5.00% APROct 2, 2026: 5.50% APRSep 18, 2026Oct 6, 2026
  • Oct 2, 20265.50%▲ from 5.00%
  • Oct 1, 20265.00%▼ from 5.25%
  • Sep 18, 20265.25%first recorded
Home Federal Bank of Tennessee
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
102 Foothills Mall Dr, Corryton, TN, 37721
Mortgage - 15 Year Fixed
15 Year
5.25%
5.55%
View
▼
Rate5.25%
APR5.55%
Points1.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 5.55% → 5.55% ▲ 0.00 pts · high 5.55% / low 5.55%
5.05%5.55%6.05%Sep 24, 2026: 5.55% APRSep 27, 2026: 5.55% APRSep 24, 2026Oct 6, 2026
  • Sep 27, 20265.55%▲ from 5.55%
  • Sep 24, 20265.55%first recorded
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
104 S Main St, Boston, MA, 01949
15-Year Fixed Mortgage
15-Year
5.50%
5.577%
View
▼
Rate5.50%
APR5.577%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 19, 2026 · 5.58% APR · checked 4 times
5.08%5.58%6.08%Sep 19, 2026: 5.58% APRSep 19, 2026Oct 6, 2026
Taylor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
215 S Washington Ave, Abbotsford, WI, 54405
15-Year Fixed
15 Years
5.50%
5.61%
View
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.61% APR · checked 5 times
5.11%5.61%6.11%Sep 14, 2026: 5.61% APRSep 14, 2026Oct 6, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Aiea, HI, 96701
Conventional 15-Year Fixed Rate Mortgage
15-Year
5.625%
5.625%
View
▼
Rate5.625%
APR5.625%
Points2.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Oct 4, 2026 · 5.63% APR
5.13%5.63%6.13%Oct 4, 2026: 5.63% APROct 4, 2026Oct 6, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NJ, 08861
First Mortgage - Residential Conforming (non-Jumbo) 15 year fixed
15 year
5.625%
5.625%
View
▼
Rate5.625%
APR5.625%
Points1.000
UpdatedOct 5, 2026
Details

Up to 1.0 points**

Rate History
No change since Sep 17, 2026 · 5.63% APR · checked 7 times
5.13%5.63%6.13%Sep 17, 2026: 5.63% APRSep 17, 2026Oct 6, 2026
Hill District Federal Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 25.14%
2021 Centre Ave, Pittsburgh, PA, 15219 6301
15-Year Fixed
15-Year
5.00%
5.626%
View
▼
Rate5.00%
APR5.626%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 5.63% APR · checked 3 times
5.13%5.63%6.13%Sep 17, 2026: 5.63% APRSep 17, 2026Oct 6, 2026
Iron Workers SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Ridge Rd, Aston, PA, 19014
15 Year Fixed Rate
15 Year
5.625%
5.637%
View
▼
Rate5.625%
APR5.637%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 15, 2026 · 5.64% APR · checked 7 times
5.14%5.64%6.14%Sep 15, 2026: 5.64% APRSep 15, 2026Oct 6, 2026
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1008 Fremont St, Bakersfield, CA, 93215
15-Year Fixed Rate
15-Year
5.50%
5.64%
View
▼
Rate5.50%
APR5.64%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 5.64% APR · checked 4 times
5.14%5.64%6.14%Sep 18, 2026: 5.64% APRSep 18, 2026Oct 6, 2026
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Park Ave, Worcester, MA, 01609
15 Year Fixed
15 Years
5.50%
5.643%
View
▼
Rate5.50%
APR5.643%
Points0.000
UpdatedOct 2, 2026
Details

Rate As Low As; Annual Percentage Rate (APR). Subject to change at any time, without notice. APR based on a $125,000 loan with 15 days of prepaid interest, $750 processing fee, $89 tax service fee, $20 tax transcript fee, and $11 flood determination fee to purchase a single family primary residence at an 80% Loan-to-Value (LTV) and a FICO Score of 740 or greater unless otherwise noted. Payment/$1,000 does not include amounts for taxes and insurance premiums. Rates advertised are the best currently available based on credit-worthiness, collateral value and income requirements. Other rates, terms and programs are available. Please contact our mortgage lending department at 508.754.9980 for complete details.

Rate History
No change since Sep 30, 2026 · 5.64% APR · checked 3 times
5.14%5.64%6.14%Sep 30, 2026: 5.64% APRSep 30, 2026Oct 6, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1260 Kuala St, Aiea, HI, 96701 4707
15-Year Fixed 1st Mortgage From 80.01% - 100.00% LTV
5.25%
5.649%
View
▼
Rate5.25%
APR5.649%
Points2.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 5.65% APR · checked 3 times
5.15%5.65%6.15%Sep 25, 2026: 5.65% APRSep 25, 2026Oct 6, 2026
Valley Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1105 Western Ave, Kronenwetter, WI, 54449 4918
1st Mortgage: 15 Year Fixed
15 years
5.615%
5.66%
View
▼
Rate5.615%
APR5.66%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 5.40% → 5.66% ▲ 0.26 pts · high 5.66% / low 5.40%
4.90%5.53%6.16%Sep 16, 2026: 5.40% APROct 1, 2026: 5.66% APRSep 16, 2026Oct 6, 2026
  • Oct 1, 20265.66%▲ from 5.40%
  • Sep 16, 20265.40%first recorded
Sikorsky Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Oronoque Ln, Bridgeport, CT, 06418 1326
15 Yr. Fixed
15 years
5.625%
5.665%
View
▼
Rate5.625%
APR5.665%
Points0.000
UpdatedOct 2, 2026
Details

Terms and Conditions

Rate History
1 change since Sep 15, 2026 · 5.17% → 5.67% ▲ 0.50 pts · high 5.67% / low 5.17%
4.67%5.42%6.17%Sep 15, 2026: 5.17% APROct 1, 2026: 5.67% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20265.67%▲ from 5.17%
  • Sep 15, 20265.17%first recorded
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1260 Kuala St, Aiea, HI, 96701 4707
15-Year Fixed 1st Mortgage From 80.01% - 100.00% LTV
5.425%
5.674%
View
▼
Rate5.425%
APR5.674%
Points1.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 5.67% APR · checked 3 times
5.17%5.67%6.17%Sep 25, 2026: 5.67% APRSep 25, 2026Oct 6, 2026
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1219 Highway 55 E, Clover, SC, 29607 2911
15-Year Fixed Rate
15 years
5.50%
5.677%
View
▼
Rate5.50%
APR5.677%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 5.43% → 5.68% ▲ 0.25 pts · high 5.68% / low 5.43%
4.93%5.55%6.18%Sep 18, 2026: 5.43% APROct 2, 2026: 5.68% APRSep 18, 2026Oct 6, 2026
  • Oct 2, 20265.68%▲ from 5.43%
  • Sep 18, 20265.43%first recorded
Winnebago Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
2060 Witzel Ave, Neenah, WI, 54901
First Mortgage Loan - 15 Year Fixed
5.49%
5.678%
View
▼
Rate5.49%
APR5.678%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 5.68% APR · checked 2 times
5.18%5.68%6.18%Oct 1, 2026: 5.68% APROct 1, 2026Oct 6, 2026
Credit Union 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
111 Lower Mill Bay Rd, Anchorage, AK, 99501 3411
15-Year Fixed First time Homebuyer
15-Year
5.375%
5.69%
View
▼
Rate5.375%
APR5.69%
Points0.000
UpdatedOct 2, 2026
Details

Owner Occupied 1st Deed of Trust (Single Family or Approved/Eligible Condo); Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 15 years

Rate History
No change since Sep 14, 2026 · 5.69% APR · checked 6 times
5.19%5.69%6.19%Sep 14, 2026: 5.69% APRSep 14, 2026Oct 6, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1230 Lakes Dr Ste 108, Brea, CA, 90012 3352
15-Year Fixed
15-Year
5.50%
5.696%
View
▼
Rate5.50%
APR5.696%
Points0.000
UpdatedOct 4, 2026
Details

Loan amount not to exceed $499,999

Rate History
1 change since Sep 14, 2026 · 5.32% → 5.70% ▲ 0.38 pts · high 5.70% / low 5.32%
4.82%5.51%6.20%Sep 14, 2026: 5.32% APRSep 17, 2026: 5.70% APRSep 14, 2026Oct 6, 2026
  • Sep 17, 20265.70%▲ from 5.32%
  • Sep 14, 20265.32%first recorded
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
1040 Southpark Blvd, Boone, NC, 27012
15-Year Fixed
5.525%
5.706%
View
▼
Rate5.525%
APR5.706%
Points1.000
UpdatedOct 3, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780. At a 5.525% interest rate, the APR for this loan type is 5.706%. The payment schedule would be: 179 payments of $1,636.82 at an interest rate of 5.525% 1 payment of $1,637.12 at an interest rate of 5.525% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. The interest rates, annual percentage rates (APRs), and fees are subject to change without notice.

Rate History
No change since Sep 15, 2026 · 5.71% APR · checked 6 times
5.21%5.71%6.21%Sep 15, 2026: 5.71% APRSep 15, 2026Oct 6, 2026
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1000 E 32nd St, Alba, MO, 64755
15 Year Fixed
15 year
5.49%
5.719%
View
▼
Rate5.49%
APR5.719%
Points0.000
UpdatedOct 2, 2026
Details

The payment on a $112,500.00 loan for 15 years at an interest rate of 5.490% with a down payment of $37,500 (75% loan to value) is $918.62 monthly for 180 months. Payment does not include taxes and insurance premiums. The actual payment amount will be greater if taxes and insurance are escrowed. All loans are subject to credit approval. Rates subject to change.

Rate History
No change since Sep 15, 2026 · 5.72% APR · checked 4 times
5.22%5.72%6.22%Sep 15, 2026: 5.72% APRSep 15, 2026Oct 6, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1260 Kuala St, Aiea, HI, 96701 4707
15-Year Fixed 1st Mortgage From 80.01% - 100.00% LTV
5.625%
5.722%
View
▼
Rate5.625%
APR5.722%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 5.72% APR · checked 3 times
5.22%5.72%6.22%Sep 25, 2026: 5.72% APRSep 25, 2026Oct 6, 2026
Iron Workers SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Ridge Rd, Aston, PA, 19014
15 Year Fixed Rate
15 Year
5.25%
5.731%
View
▼
Rate5.25%
APR5.731%
Points3.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 15, 2026 · 5.73% APR · checked 7 times
5.23%5.73%6.23%Sep 15, 2026: 5.73% APRSep 15, 2026Oct 6, 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1121 S Magnolia St Ste 900, Beaumont, TX, 75951 5624
15 Year Fixed Rate Mortgage
15 Year
5.50%
5.733%
View
▼
Rate5.50%
APR5.733%
Points0.000
UpdatedOct 5, 2026
Details

APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 5.73% APR · checked 4 times
5.23%5.73%6.23%Sep 14, 2026: 5.73% APRSep 14, 2026Oct 6, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
114 Interstate Dr, Ashland, KY, 41101
Mortgage Rates NMLS# 411945 - 15 Year Fixed
180 Months
5.75%
View
▼
Rate
APR5.75%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 6, 2026
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO, 64485
First Mortgage - 15 Year Fixed Rate
15 Year
5.75%
View
▼
Rate
APR5.75%
Points0.000
UpdatedOct 2, 2026
Details

Conventional; Call Shannon at 816-324-1414 or Jessica at 816-279-5656. to help you with your mortgage loan!

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 6, 2026
Hudson River Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
NY
15-year fixed
15-year
5.75%
View
▼
Rate
APR5.75%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 6, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
VA Mortgage - Purchase 15 Year Fixed
15 Year
5.75%
View
▼
Rate
APR5.75%
Points0.000
UpdatedOct 5, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.40% → 5.75% ▲ 0.35 pts · high 5.75% / low 5.40%
4.90%5.58%6.25%Sep 14, 2026: 5.40% APROct 2, 2026: 5.75% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20265.75%▲ from 5.40%
  • Sep 14, 20265.40%first recorded
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.10%
901 6th Ave, Huntington, WV, 25701
15 Year Fixed Rate Mortgage Loan
5.75%
View
▼
Rate
APR5.75%
Points1.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 6, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME, 04240 5721
Mortgages - 15 YR FIXED
15 years
5.50%
5.75%
View
▼
Rate5.50%
APR5.75%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 12, 2026 · 5.75% APR · checked 7 times
5.25%5.75%6.25%Sep 12, 2026: 5.75% APRSep 12, 2026Oct 6, 2026
Oakdale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
128 E Badger Dr, Mauston, WI, 53948
Mortgages - 15 Year Fixed
180 months
5.75%
5.75%
View
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedOct 5, 2026
Details

First Mortgage - Primary Residence Only

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 6, 2026
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1070 E Teague Ave, Clovis, CA, 93230 4938
15 Year Fixed Rate - Primary Residence
15 Year
5.50%
5.752%
View
▼
Rate5.50%
APR5.752%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 29, 2026 · 5.75% APR · checked 3 times
5.25%5.75%6.25%Sep 29, 2026: 5.75% APRSep 29, 2026Oct 6, 2026
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1300 New York Ave NW, Washington, DC, 20577 0001
Primary Residence Fixed Rate Mortgage - 15-Year Fixed
15-Year
5.625%
5.775%
View
▼
Rate5.625%
APR5.775%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 5.78% APR
5.28%5.78%6.28%Oct 5, 2026: 5.78% APROct 5, 2026Oct 6, 2026
Alabama Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1 Mercedes Dr, Birmingham, AL, 32507 8703
15 Year Fixed, First Mortgage
5.625%
5.809%
View
▼
Rate5.625%
APR5.809%
Points0.500
UpdatedOct 2, 2026
Details

Loan to Value %: 80%

Rate History
No change since Sep 21, 2026 · 5.81% APR · checked 3 times
5.31%5.81%6.31%Sep 21, 2026: 5.81% APRSep 21, 2026Oct 6, 2026
CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
125 Boston Post Rd, Bozrah, CT, 06333
all first mortgage rates and payment examples - 15 Year Fixed Conventional
15 Year
5.75%
5.847%
View
▼
Rate5.75%
APR5.847%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
1 change since Oct 2, 2026 · 6.10% → 5.85% ▼ 0.25 pts · high 6.10% / low 5.85%
5.35%5.97%6.60%Oct 2, 2026: 6.10% APROct 4, 2026: 5.85% APROct 2, 2026Oct 6, 2026
  • Oct 4, 20265.85%▼ from 6.10%
  • Oct 2, 20266.10%first recorded
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
23 Industrial Park Rd, Biddeford, ME, 04005 3023
15-Year Fixed-Rate
5.852%
View
▼
Rate
APR5.852%
Points0.000
UpdatedOct 2, 2026
Details

Rates and Terms are subject to credit approval.

Rate History
No change since Sep 27, 2026 · 5.85% APR · checked 3 times
5.35%5.85%6.35%Sep 27, 2026: 5.85% APRSep 27, 2026Oct 6, 2026
JTNB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Broadway, Jim Thorpe, PA, 18229
Current Mortgage - 15 Year Fixed (or 180 monthly payments)
15 Year
5.75%
5.863%
View
▼
Rate5.75%
APR5.863%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 5.86% APR · checked 4 times
5.36%5.86%6.36%Sep 24, 2026: 5.86% APRSep 24, 2026Oct 6, 2026
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1172 River St, Boston, MA, 02108
Mortgage - 15 Year Fixed
15 Year
5.875%
5.92%
View
▼
Rate5.875%
APR5.92%
Points0.000
UpdatedOct 3, 2026
Details

Add .25% for loans less than $100,000.

Rate History
1 change since Sep 24, 2026 · 5.67% → 5.92% ▲ 0.25 pts · high 5.92% / low 5.67%
5.17%5.80%6.42%Sep 24, 2026: 5.67% APROct 1, 2026: 5.92% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20265.92%▲ from 5.67%
  • Sep 24, 20265.67%first recorded
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
170 S Rainbow Blvd, Henderson, NV, 89014
15-Year Fixed
15-Year
5.75%
5.944%
View
▼
Rate5.75%
APR5.944%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 5.36% → 5.94% ▲ 0.58 pts · high 5.94% / low 5.36%
4.78%5.65%6.53%Sep 14, 2026: 5.36% APRSep 18, 2026: 5.87% APRSep 27, 2026: 5.94% APRSep 14, 2026Oct 6, 2026
  • Sep 27, 20265.94%▲ from 5.87%
  • Sep 18, 20265.87%▲ from 5.36%
  • Sep 14, 20265.36%first recorded
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
112 County Rd, Amesbury, MA, 01913
15 Year Fixed
15 Year
5.50%
5.951%
View
▼
Rate5.50%
APR5.951%
Points2.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 5.82% → 5.95% ▲ 0.13 pts · high 5.95% / low 5.82%
5.32%5.89%6.45%Sep 15, 2026: 5.82% APROct 1, 2026: 5.95% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20265.95%▲ from 5.82%
  • Sep 15, 20265.82%first recorded
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
1004 N Oak St, Alexandria, LA, 70006 5324
Conventional Mortgages - 15 year fixed
15 year
5.875%
5.959%
View
▼
Rate5.875%
APR5.959%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.96% APR · checked 7 times
5.46%5.96%6.46%Sep 14, 2026: 5.96% APRSep 14, 2026Oct 6, 2026
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
10636 Gratiot Ave, Casco, MI, 48021 2312
15 Year Fixed Rate
15 Year
6.00%
View
▼
Rate
APR6.00%
Points0.000
UpdatedOct 2, 2026
Details

NMLS ID 411386

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 4 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 6, 2026
Governmental Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1811 N Hutchinson Rd, Greenfield, WA, 53220 4608
15 year fixed rate
15 year
6.00%
View
▼
Rate
APR6.00%
Points0.000
UpdatedOct 2, 2026
Details

As low as 6.000%

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 6, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
First Mortgage - Purchase 15 Year Fixed
15 Year
6.00%
View
▼
Rate
APR6.00%
Points0.000
UpdatedOct 5, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.85% → 6.00% ▲ 0.15 pts · high 6.00% / low 5.85%
5.35%5.93%6.50%Sep 14, 2026: 5.85% APROct 2, 2026: 6.00% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.00%▲ from 5.85%
  • Sep 14, 20265.85%first recorded
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL, 33136
15 Year Fixed Rate Mortgage
6.00%
View
▼
Rate
APR6.00%
Points0.000
UpdatedOct 6, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 6, 2026
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
10230 Two Notch Rd, Batesburg, SC, 29006 2125
15 Year Fixed
5.875%
6.00%
View
▼
Rate5.875%
APR6.00%
Points0.000
UpdatedOct 5, 2026
Details

Interest Rate as low as; Available on primary residences located in the state of South Carolina. Qualification is subject to creditworthiness. Interest rates vary by product and are subject to change.

Rate History
2 changes since Sep 21, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
5.25%5.88%6.50%Sep 21, 2026: 5.75% APRSep 25, 2026: 5.87% APROct 2, 2026: 6.00% APRSep 21, 2026Oct 6, 2026
  • Oct 2, 20266.00%▲ from 5.87%
  • Sep 25, 20265.87%▲ from 5.75%
  • Sep 21, 20265.75%first recorded
Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3287 Werk Rd, Cincinnati, OH, 45040 8249
For Owner Occupied, Single Family Homes - 15 Yrs. Loan
15 years
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 1, 2026
Details

Tier: A+; LTV: 90%

Rate History
No change since Sep 22, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 22, 2026: 6.00% APRSep 22, 2026Oct 6, 2026
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
409 Riverwind Dr, Pearl, MS, 39208 5917
15 Year Fixed
180 months
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 25, 2026: 6.00% APRSep 25, 2026Oct 6, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2601 Network Blvd, Frisco, MO, 65101
15-Year Fixed Rate Loan
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
5.25%5.88%6.50%Sep 14, 2026: 5.75% APROct 2, 2026: 6.00% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.00%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1 Towne Ctr, Cliffside Park, NJ, 07006
15 Year Fixed First Lien
15 Year
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 3, 2026
Details

Loan Amounts: Up To $250,000

Rate History
No change since Sep 15, 2026 · 6.00% APR · checked 7 times
5.50%6.00%6.50%Sep 15, 2026: 6.00% APRSep 15, 2026Oct 6, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
101 High St, Altoona, PA, 15943
15-Year Fixed Rate
15-Year
5.99%
6.003%
View
▼
Rate5.99%
APR6.003%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 5.89% → 6.00% ▲ 0.11 pts · high 6.00% / low 5.89%
5.39%5.95%6.50%Sep 16, 2026: 5.89% APROct 1, 2026: 6.00% APRSep 16, 2026Oct 6, 2026
  • Oct 1, 20266.00%▲ from 5.89%
  • Sep 16, 20265.89%first recorded
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
105 Aquaris Agora Dr, Altamonte Springs, FL, 32132
15 Year Fixed Mortgage
180 months
5.75%
6.006%
View
▼
Rate5.75%
APR6.006%
Points0.979
UpdatedOct 2, 2026
Details

Last updated 10/02/2026. For a $250,000.00 loan would result in a monthly payment of $2,076.03.

Rate History
No change since Oct 2, 2026 · 6.01% APR
5.51%6.01%6.51%Oct 2, 2026: 6.01% APROct 2, 2026Oct 6, 2026
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10175 State Road 54, Bradenton, FL, 33511 5706
Second Home Mortgages - 15 Year Fixed
15 Year
5.50%
6.01%
View
▼
Rate5.50%
APR6.01%
Points0.000
UpdatedOct 2, 2026
Details

As low as

Rate History
No change since Oct 2, 2026 · 6.01% APR
5.51%6.01%6.51%Oct 2, 2026: 6.01% APROct 2, 2026Oct 6, 2026
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
10175 State Road 54, Bradenton, FL, 33511 5706
15-Year Fixed
6.00%
6.01%
View
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedOct 2, 2026
Details

As low as 6.000%

Rate History
No change since Oct 2, 2026 · 6.01% APR
5.51%6.01%6.51%Oct 2, 2026: 6.01% APROct 2, 2026Oct 6, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
11121 Fountains Dr, Bloomington, MN, 55014 1778
Mortgage - 15 Year Fixed
15 Year
5.625%
6.016%
View
▼
Rate5.625%
APR6.016%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 27, 2026 · 6.02% APR · checked 3 times
5.52%6.02%6.52%Sep 27, 2026: 6.02% APRSep 27, 2026Oct 6, 2026
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
130 Sunrise Ave, Elk Grove, CA, 95356 0542
15-Year Fixed
15-Year
5.92%
6.02%
View
▼
Rate5.92%
APR6.02%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.19% → 6.02% ▼ 0.17 pts · high 6.36% / low 6.02%
5.52%6.19%6.86%Sep 14, 2026: 6.19% APRSep 22, 2026: 6.36% APRSep 27, 2026: 6.02% APRSep 14, 2026Oct 6, 2026
  • Sep 27, 20266.02%▼ from 6.36%
  • Sep 22, 20266.36%▲ from 6.19%
  • Sep 14, 20266.19%first recorded
JTNB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Broadway, Jim Thorpe, PA, 18229
Construction Mortgage - 15 Year Fixed
15 Year
5.75%
6.037%
View
▼
Rate5.75%
APR6.037%
Points0.000
UpdatedOct 3, 2026
Details

Term: 15 Year Fixed (or 180 monthly payments)

Rate History
No change since Sep 24, 2026 · 6.04% APR · checked 4 times
5.54%6.04%6.54%Sep 24, 2026: 6.04% APRSep 24, 2026Oct 6, 2026
Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
112 County Rd, Amesbury, MA, 01913
15 Year Fixed
15 Year
5.75%
6.044%
View
▼
Rate5.75%
APR6.044%
Points1.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 5.92% → 6.04% ▲ 0.13 pts · high 6.04% / low 5.92%
5.42%5.98%6.54%Sep 15, 2026: 5.92% APROct 1, 2026: 6.04% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20266.04%▲ from 5.92%
  • Sep 15, 20265.92%first recorded

5/1 ARM Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
165 W 46th St, Chicago, CA, 10036 1308
Adjustable Rate Mortgages (ARMs) - 5/1 ARM
5/1 ARM
4.50%
4.611%
View
▼
Rate4.50%
APR4.611%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 4.61% APR · checked 6 times
4.11%4.61%5.11%Sep 18, 2026: 4.61% APRSep 18, 2026Oct 6, 2026
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
10 Bedford Sq, Accident, MD, 15501
ARM (Adjustable Rate Mortgage) - 5/1 ARM
5.00%
View
▼
Rate
APR5.00%
Points0.000
UpdatedOct 5, 2026
Details

As low as

Rate History
No change since Oct 5, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 5, 2026: 5.00% APROct 5, 2026Oct 6, 2026
Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1 South St, Baltimore, MD, 21133 4706
5/1 ARM
5.125%
View
▼
Rate
APR5.125%
Points0.000
UpdatedOct 5, 2026
Details

Adjustable Rate As Low As

Rate History
No change since Oct 1, 2026 · 5.13% APR · checked 3 times
4.63%5.13%5.63%Oct 1, 2026: 5.13% APROct 1, 2026Oct 6, 2026
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
105 W 18th St, Carthage, TX, 75455
In-House Adjustable Rate Mortgage (ARM) - 5/1 ARM 30-Year
30-Year
5.25%
5.25%
View
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 6, 2026
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
11121 Fountains Dr, Bloomington, MN, 55014 1778
Mortgage - 5/1 ARM
5/1 ARM
5.125%
5.35%
View
▼
Rate5.125%
APR5.35%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 27, 2026 · 5.35% APR · checked 3 times
4.85%5.35%5.85%Sep 27, 2026: 5.35% APRSep 27, 2026Oct 6, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
2705 NW EXPRESSWAY, Dallas, OK, 73112 7047
ARM (Adjustable Rate Mortgage)
15 Year; 5/1
4.50%
5.443%
View
▼
Rate4.50%
APR5.443%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 5.44% APR · checked 3 times
4.94%5.44%5.94%Sep 25, 2026: 5.44% APRSep 25, 2026Oct 6, 2026
Taupa Lithuanian Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.61%
100 Hillside Ave, Quincy, MA, 02127 2272
5/1 Year ARM
5.50%
View
▼
Rate
APR5.50%
Points0.000
UpdatedOct 5, 2026
Details

with closing costs

Rate History
1 change since Sep 14, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 14, 2026: 5.25% APRSep 21, 2026: 5.50% APRSep 14, 2026Oct 6, 2026
  • Sep 21, 20265.50%▲ from 5.25%
  • Sep 14, 20265.25%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV, 25177 2008
Adjustable Rate Mortgages (ARM) - 5/1 ARM
5/1 ARM
5.49%
5.55%
View
▼
Rate5.49%
APR5.55%
Points0.000
UpdatedOct 5, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.30% → 5.55% ▲ 0.25 pts · high 5.55% / low 5.30%
4.80%5.43%6.05%Sep 14, 2026: 5.30% APRSep 25, 2026: 5.55% APRSep 14, 2026Oct 6, 2026
  • Sep 25, 20265.55%▲ from 5.30%
  • Sep 14, 20265.30%first recorded
Alabama Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1 Mercedes Dr, Birmingham, AL, 32507 8703
5/1 ARM, First Mortgage
5.50%
5.559%
View
▼
Rate5.50%
APR5.559%
Points0.000
UpdatedOct 2, 2026
Details

Loan to Value %: 80%

Rate History
No change since Sep 21, 2026 · 5.56% APR · checked 3 times
5.06%5.56%6.06%Sep 21, 2026: 5.56% APRSep 21, 2026Oct 6, 2026
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1200 Associates Dr, Burlington, IA, 52001
5/1 Year ARM
5/1 Year ARM
5.50%
5.588%
View
▼
Rate5.50%
APR5.588%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 5.59% APR · checked 4 times
5.09%5.59%6.09%Sep 18, 2026: 5.59% APRSep 18, 2026Oct 6, 2026
NESC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
14 AMESBURY ST, ANDOVER, MA, 01810
5/5 ARM Mortgage
15 years
5.50%
5.658%
View
▼
Rate5.50%
APR5.658%
Points0.000
UpdatedOct 5, 2026
Details

No lender closing costs

Rate History
No change since Oct 5, 2026 · 5.66% APR
5.16%5.66%6.16%Oct 5, 2026: 5.66% APROct 5, 2026Oct 6, 2026
DuGood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
1061 S Wheeler St, Beaumont, TX, 75951 4640
ADJUSTABLE-RATE MORTGAGE (ARM) - 5/1 ARM
30 Year
5.25%
5.68%
View
▼
Rate5.25%
APR5.68%
Points0.000
UpdatedOct 6, 2026
Details

Annual Cap: 2.00%; Lifetime Cap: 5.00%; Minimum Loan Amount is $20,000; Maximum Refinance Loan to Value is 90%; Maximum Purchase Money 95% LTV

Rate History
No change since Sep 14, 2026 · 5.68% APR · checked 7 times
5.18%5.68%6.18%Sep 14, 2026: 5.68% APRSep 14, 2026Oct 6, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, CA, 90277 2837
5/1 Conforming Adjustable-Rate Mortgage (Arm)
5/1 ARM
5.50%
5.692%
View
▼
Rate5.50%
APR5.692%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 5.69% APR
5.19%5.69%6.19%Oct 2, 2026: 5.69% APROct 2, 2026Oct 6, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, CA, 90277 2837
Conforming 5/1 ARM
30 months
5.50%
5.692%
View
▼
Rate5.50%
APR5.692%
Points0.000
UpdatedOct 2, 2026
Details

Term: 30-year fixed-rate loan; Promotional Rate. Payment assumptions: 720 FICO score, primary residence, 80% LTV/CLTV, and a 1-unit single-family residence. Conforming: $600,000 loan amount with estimated closing costs of $12,800.00 and an initial promotional interest rate of 5.500% (5.692% APR), fixed for the first five years. The estimated monthly principal and interest payment is $3,406.73. This payment does not include impounds for property taxes or insurance.

Rate History
No change since Oct 2, 2026 · 5.69% APR
5.19%5.69%6.19%Oct 2, 2026: 5.69% APROct 2, 2026Oct 6, 2026

30-Year Jumbo Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
100 Averill Rd, Coventry, CT, 02816
Fixed Rate Jumbo Mortgages (Purchase or Refinance) - 10 year
10 year
6.50%
6.554%
View
▼
Rate6.50%
APR6.554%
Points0.000
UpdatedOct 3, 2026
Details

Minimum Loan Amount: $832,751

Rate History
1 change since Sep 24, 2026 · 6.18% → 6.55% ▲ 0.38 pts · high 6.55% / low 6.18%
5.68%6.37%7.05%Sep 24, 2026: 6.18% APROct 1, 2026: 6.55% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20266.55%▲ from 6.18%
  • Sep 24, 20266.18%first recorded
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
1006 Royalton St, Appleton, WI, 54115 3901
Jumbo Mortgage - 6 Year Balloon
6 Year
5.24%
5.28%
View
▼
Rate5.24%
APR5.28%
Points0.000
UpdatedOct 2, 2026
Details

Jumbo Mortgages (Greater than $832,750)

Rate History
No change since Sep 14, 2026 · 5.28% APR · checked 4 times
4.78%5.28%5.78%Sep 14, 2026: 5.28% APRSep 14, 2026Oct 6, 2026
Hawaii Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
111 Aupuni St, Hilo, HI, 96720 4233
Jumbo 5/30 Balloon Owner-Occupied Loan
5.347%
5.375%
View
▼
Rate5.347%
APR5.375%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 5.38% APR · checked 4 times
4.88%5.38%5.88%Sep 16, 2026: 5.38% APRSep 16, 2026Oct 6, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1 Liberty Square Cir, Albuquerque, CA, 81301 5104
Jumbo 5/5 1 Loan
30 Years
5.50%
5.641%
View
▼
Rate5.50%
APR5.641%
Points0.000
UpdatedOct 4, 2026
Details

Published APR range: As low as 5.641%; Published rate range: As low as 5.500%. Current Calculation of Rate Remaining Term: 6.625%

Rate History
2 changes since Sep 14, 2026 · 5.64% → 5.64% ▼ 0.00 pts · high 5.64% / low 5.50%
5.00%5.57%6.14%Sep 14, 2026: 5.64% APRSep 17, 2026: 5.50% APRSep 25, 2026: 5.64% APRSep 14, 2026Oct 6, 2026
  • Sep 25, 20265.64%▲ from 5.50%
  • Sep 17, 20265.50%▼ from 5.64%
  • Sep 14, 20265.64%first recorded
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 3/3/30 Year - 1 Yr. TCM
360 months
5.75%
5.75%
View
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedOct 2, 2026
Details

1st Deed of Trust (Jumbo Loans); Adjustable Rate Mortgage Loans: Owner Occupied

Rate History
No change since Oct 2, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 2, 2026: 5.75% APROct 2, 2026Oct 6, 2026
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1070 E Teague Ave, Clovis, CA, 93230 4938
30 Year Fixed Rate Jumbo - Primary Residence
30 Year
5.75%
5.779%
View
▼
Rate5.75%
APR5.779%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 29, 2026 · 5.78% APR · checked 3 times
5.28%5.78%6.28%Sep 29, 2026: 5.78% APRSep 29, 2026Oct 6, 2026
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
100 Forbes Blvd, Brockton, MA, 02032 1018
Fixed Jumbo
5 Years
5.875%
5.875%
View
▼
Rate5.875%
APR5.875%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 5.63% → 5.88% ▲ 0.25 pts · high 5.88% / low 5.63%
5.13%5.75%6.38%Sep 14, 2026: 5.63% APROct 2, 2026: 5.88% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20265.88%▲ from 5.63%
  • Sep 14, 20265.63%first recorded
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
1111 Pine St, Benicia, CA, 94510 3579
Mortgage - 20 Year Jumbo
20 Year
5.875%
5.996%
View
▼
Rate5.875%
APR5.996%
Points0.750
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 27, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 27, 2026: 6.00% APRSep 27, 2026Oct 6, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 5/5/30 Year - 1 Yr. TCM
360 months
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 2, 2026
Details

1st Deed of Trust (Jumbo Loans); Adjustable Rate Mortgage Loans: Owner Occupied

Rate History
No change since Oct 2, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 2, 2026: 6.00% APROct 2, 2026Oct 6, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 7/2/30 Year - 1 Yr. TCM
360 months
6.125%
6.125%
View
▼
Rate6.125%
APR6.125%
Points0.000
UpdatedOct 2, 2026
Details

1st Deed of Trust (Jumbo Loans); Adjustable Rate Mortgage Loans: Owner Occupied

Rate History
No change since Oct 2, 2026 · 6.13% APR
5.63%6.13%6.63%Oct 2, 2026: 6.13% APROct 2, 2026Oct 6, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NJ, 08861
First Mortgage - Residential Conforming (non-Jumbo) 20 year fixed
20 year
6.125%
6.125%
View
▼
Rate6.125%
APR6.125%
Points1.000
UpdatedOct 5, 2026
Details

Up to 1.0 points**

Rate History
No change since Sep 17, 2026 · 6.13% APR · checked 7 times
5.63%6.13%6.63%Sep 17, 2026: 6.13% APRSep 17, 2026Oct 6, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1 Liberty Square Cir, Albuquerque, CA, 81301 5104
Jumbo 5/5 >80% 1 Loan
30 Years
6.00%
6.168%
View
▼
Rate6.00%
APR6.168%
Points0.000
UpdatedOct 4, 2026
Details

Published APR range: As low as 6.168%; Published rate range: As low as 6.000%. Current Calculation of Rate Remaining Term: 6.625%

Rate History
2 changes since Sep 14, 2026 · 6.17% → 6.17% ▼ 0.00 pts · high 6.17% / low 6.00%
5.50%6.08%6.67%Sep 14, 2026: 6.17% APRSep 17, 2026: 6.00% APRSep 25, 2026: 6.17% APRSep 14, 2026Oct 6, 2026
  • Sep 25, 20266.17%▲ from 6.00%
  • Sep 17, 20266.00%▼ from 6.17%
  • Sep 14, 20266.17%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo Fixed Rate
10 years
6.00%
6.194%
View
▼
Rate6.00%
APR6.194%
Points0.000
UpdatedOct 4, 2026
Details

As Low As; Estimated Payment per $10,000: $111.02

Rate History
2 changes since Sep 14, 2026 · 5.69% → 6.19% ▲ 0.51 pts · high 6.19% / low 5.69%
5.18%5.94%6.70%Sep 14, 2026: 5.69% APRSep 20, 2026: 5.94% APROct 2, 2026: 6.19% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.19%▲ from 5.94%
  • Sep 20, 20265.94%▲ from 5.69%
  • Sep 14, 20265.69%first recorded
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
1111 Pine St, Benicia, CA, 94510 3579
Mortgage - 30 Year Jumbo
30 Year
6.125%
6.217%
View
▼
Rate6.125%
APR6.217%
Points0.750
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 27, 2026 · 6.22% APR · checked 3 times
5.72%6.22%6.72%Sep 27, 2026: 6.22% APRSep 27, 2026Oct 6, 2026
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo One-Time Close Construction Loan
10 years
6.00%
6.248%
View
▼
Rate6.00%
APR6.248%
Points0.000
UpdatedOct 4, 2026
Details

As low as; Estimated Payment per $10,000: $111.02

Rate History
2 changes since Sep 14, 2026 · 5.74% → 6.25% ▲ 0.51 pts · high 6.25% / low 5.74%
5.23%5.99%6.76%Sep 14, 2026: 5.74% APRSep 20, 2026: 5.99% APROct 2, 2026: 6.25% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.25%▲ from 5.99%
  • Sep 20, 20265.99%▲ from 5.74%
  • Sep 14, 20265.74%first recorded
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
100 Forbes Blvd, Brockton, MA, 02032 1018
Fixed Jumbo
10 Years
6.375%
6.375%
View
▼
Rate6.375%
APR6.375%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.13% → 6.38% ▲ 0.25 pts · high 6.38% / low 6.13%
5.63%6.25%6.88%Sep 14, 2026: 6.13% APROct 2, 2026: 6.38% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.38%▲ from 6.13%
  • Sep 14, 20266.13%first recorded
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NJ, 08861
First Mortgage - Residential Conforming (non-Jumbo) 30 year fixed (not offered on co-ops)
30 year
6.375%
6.375%
View
▼
Rate6.375%
APR6.375%
Points1.000
UpdatedOct 5, 2026
Details

Up to 1.0 points**

Rate History
No change since Sep 29, 2026 · 6.38% APR · checked 3 times
5.88%6.38%6.88%Sep 29, 2026: 6.38% APRSep 29, 2026Oct 6, 2026
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1000 Route 202 S, Branchburg, NJ, 08807
5/6 SOFR - Jumbo Loan Amount
5 months
6.375%
6.42%
View
▼
Rate6.375%
APR6.42%
Points1.000
UpdatedOct 3, 2026
Details

$832,751-$2,000,000; Term: 5/6 SOFR - Jumbo Loan Amount $832,751-$2,000,000; Apply Now

Rate History
No change since Oct 1, 2026 · 6.42% APR · checked 2 times
5.92%6.42%6.92%Oct 1, 2026: 6.42% APROct 1, 2026Oct 6, 2026
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1000 Route 202 S, Branchburg, NJ, 08807
5/6 SOFR - Jumbo Loan Amount
5 months
6.373%
6.50%
View
▼
Rate6.373%
APR6.50%
Points0.000
UpdatedOct 3, 2026
Details

$832,751-$2,000,000; Term: 5/6 SOFR - Jumbo Loan Amount $832,751-$2,000,000; Apply Now

Rate History
No change since Oct 1, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Oct 1, 2026: 6.50% APROct 1, 2026Oct 6, 2026
Hawaii Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
111 Aupuni St, Hilo, HI, 96720 4233
Jumbo 5/30 Balloon Investor Loan
6.466%
6.50%
View
▼
Rate6.466%
APR6.50%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 6.50% APR · checked 4 times
6.00%6.50%7.00%Sep 16, 2026: 6.50% APRSep 16, 2026Oct 6, 2026
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1172 River St, Boston, MA, 02108
Mortgage - 30 Year Fixed Jumbo
30 Year
6.50%
6.53%
View
▼
Rate6.50%
APR6.53%
Points0.000
UpdatedOct 3, 2026
Details

Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.

Rate History
1 change since Sep 24, 2026 · 6.29% → 6.53% ▲ 0.24 pts · high 6.53% / low 6.29%
5.79%6.41%7.03%Sep 24, 2026: 6.29% APROct 1, 2026: 6.53% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20266.53%▲ from 6.29%
  • Sep 24, 20266.29%first recorded
Iron Workers SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Ridge Rd, Aston, PA, 19014
30 Year Fixed Rate Jumbo
30 Year
6.25%
6.543%
View
▼
Rate6.25%
APR6.543%
Points3.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 15, 2026 · 6.54% APR · checked 7 times
6.04%6.54%7.04%Sep 15, 2026: 6.54% APRSep 15, 2026Oct 6, 2026

15-Year Jumbo Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
100 Averill Rd, Coventry, CT, 02816
Fixed Rate Jumbo Mortgages (Purchase or Refinance) - 10 year
10 year
6.50%
6.554%
View
▼
Rate6.50%
APR6.554%
Points0.000
UpdatedOct 3, 2026
Details

Minimum Loan Amount: $832,751

Rate History
1 change since Sep 24, 2026 · 6.18% → 6.55% ▲ 0.38 pts · high 6.55% / low 6.18%
5.68%6.37%7.05%Sep 24, 2026: 6.18% APROct 1, 2026: 6.55% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20266.55%▲ from 6.18%
  • Sep 24, 20266.18%first recorded
Community First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
1006 Royalton St, Appleton, WI, 54115 3901
Jumbo Mortgage - 6 Year Balloon
6 Year
5.24%
5.28%
View
▼
Rate5.24%
APR5.28%
Points0.000
UpdatedOct 2, 2026
Details

Jumbo Mortgages (Greater than $832,750)

Rate History
No change since Sep 14, 2026 · 5.28% APR · checked 4 times
4.78%5.28%5.78%Sep 14, 2026: 5.28% APRSep 14, 2026Oct 6, 2026
Hawaii Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
111 Aupuni St, Hilo, HI, 96720 4233
Jumbo 5/30 Balloon Owner-Occupied Loan
5.347%
5.375%
View
▼
Rate5.347%
APR5.375%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 5.38% APR · checked 4 times
4.88%5.38%5.88%Sep 16, 2026: 5.38% APRSep 16, 2026Oct 6, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NJ, 08861
First Mortgage - Residential Conforming (non-Jumbo) 15 year fixed
15 year
5.625%
5.625%
View
▼
Rate5.625%
APR5.625%
Points1.000
UpdatedOct 5, 2026
Details

Up to 1.0 points**

Rate History
No change since Sep 17, 2026 · 5.63% APR · checked 7 times
5.13%5.63%6.13%Sep 17, 2026: 5.63% APRSep 17, 2026Oct 6, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1 Liberty Square Cir, Albuquerque, CA, 81301 5104
Jumbo 5/5 1 Loan
30 Years
5.50%
5.641%
View
▼
Rate5.50%
APR5.641%
Points0.000
UpdatedOct 4, 2026
Details

Published APR range: As low as 5.641%; Published rate range: As low as 5.500%. Current Calculation of Rate Remaining Term: 6.625%

Rate History
2 changes since Sep 14, 2026 · 5.64% → 5.64% ▼ 0.00 pts · high 5.64% / low 5.50%
5.00%5.57%6.14%Sep 14, 2026: 5.64% APRSep 17, 2026: 5.50% APRSep 25, 2026: 5.64% APRSep 14, 2026Oct 6, 2026
  • Sep 25, 20265.64%▲ from 5.50%
  • Sep 17, 20265.50%▼ from 5.64%
  • Sep 14, 20265.64%first recorded
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 3/3/30 Year - 1 Yr. TCM
360 months
5.75%
5.75%
View
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedOct 2, 2026
Details

1st Deed of Trust (Jumbo Loans); Adjustable Rate Mortgage Loans: Owner Occupied

Rate History
No change since Oct 2, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 2, 2026: 5.75% APROct 2, 2026Oct 6, 2026
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1070 E Teague Ave, Clovis, CA, 93230 4938
30 Year Fixed Rate Jumbo - Primary Residence
30 Year
5.75%
5.779%
View
▼
Rate5.75%
APR5.779%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 29, 2026 · 5.78% APR · checked 3 times
5.28%5.78%6.28%Sep 29, 2026: 5.78% APRSep 29, 2026Oct 6, 2026
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
100 Forbes Blvd, Brockton, MA, 02032 1018
Fixed Jumbo
5 Years
5.875%
5.875%
View
▼
Rate5.875%
APR5.875%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 5.63% → 5.88% ▲ 0.25 pts · high 5.88% / low 5.63%
5.13%5.75%6.38%Sep 14, 2026: 5.63% APROct 2, 2026: 5.88% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20265.88%▲ from 5.63%
  • Sep 14, 20265.63%first recorded
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
1111 Pine St, Benicia, CA, 94510 3579
Mortgage - 15 Year Jumbo
15 Year
5.75%
5.902%
View
▼
Rate5.75%
APR5.902%
Points0.750
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 27, 2026 · 5.90% APR · checked 3 times
5.40%5.90%6.40%Sep 27, 2026: 5.90% APRSep 27, 2026Oct 6, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1 Liberty Square Cir, Albuquerque, CA, 81301 5104
Jumbo 15/15 1 Loan
30 Years
5.75%
5.904%
View
▼
Rate5.75%
APR5.904%
Points0.000
UpdatedOct 4, 2026
Details

Published APR range: As low as 5.904%. As low as; Rate 1 15 Years

Rate History
1 change since Sep 14, 2026 · 5.75% → 5.90% ▲ 0.15 pts · high 5.90% / low 5.75%
5.25%5.83%6.40%Sep 14, 2026: 5.75% APRSep 18, 2026: 5.90% APRSep 14, 2026Oct 6, 2026
  • Sep 18, 20265.90%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
105 Aquaris Agora Dr, Altamonte Springs, FL, 32132
15 Year Jumbo Mortgage
180 months
5.75%
5.929%
View
▼
Rate5.75%
APR5.929%
Points0.979
UpdatedOct 2, 2026
Details

Last updated 10/02/2026. For a $832,750.00 loan would result in a monthly payment of $6,915.24.

Rate History
No change since Oct 2, 2026 · 5.93% APR
5.43%5.93%6.43%Oct 2, 2026: 5.93% APROct 2, 2026Oct 6, 2026
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
1111 Pine St, Benicia, CA, 94510 3579
Mortgage - 20 Year Jumbo
20 Year
5.875%
5.996%
View
▼
Rate5.875%
APR5.996%
Points0.750
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 27, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 27, 2026: 6.00% APRSep 27, 2026Oct 6, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 5/5/30 Year - 1 Yr. TCM
360 months
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 2, 2026
Details

1st Deed of Trust (Jumbo Loans); Adjustable Rate Mortgage Loans: Owner Occupied

Rate History
No change since Oct 2, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 2, 2026: 6.00% APROct 2, 2026Oct 6, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 7/2/30 Year - 1 Yr. TCM
360 months
6.125%
6.125%
View
▼
Rate6.125%
APR6.125%
Points0.000
UpdatedOct 2, 2026
Details

1st Deed of Trust (Jumbo Loans); Adjustable Rate Mortgage Loans: Owner Occupied

Rate History
No change since Oct 2, 2026 · 6.13% APR
5.63%6.13%6.63%Oct 2, 2026: 6.13% APROct 2, 2026Oct 6, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NJ, 08861
First Mortgage - Residential Conforming (non-Jumbo) 20 year fixed
20 year
6.125%
6.125%
View
▼
Rate6.125%
APR6.125%
Points1.000
UpdatedOct 5, 2026
Details

Up to 1.0 points**

Rate History
No change since Sep 17, 2026 · 6.13% APR · checked 7 times
5.63%6.13%6.63%Sep 17, 2026: 6.13% APRSep 17, 2026Oct 6, 2026
Iron Workers SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Ridge Rd, Aston, PA, 19014
15 Year Fixed Rate Jumbo
15 Year
6.125%
6.129%
View
▼
Rate6.125%
APR6.129%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 15, 2026 · 6.13% APR · checked 7 times
5.63%6.13%6.63%Sep 15, 2026: 6.13% APRSep 15, 2026Oct 6, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
1000 Easton Rd, Bensalem, NJ, 08012 1497
15-Year Fixed Rate Jumbo
15-Year
5.875%
6.132%
View
▼
Rate5.875%
APR6.132%
Points1.500
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
2 changes since Sep 16, 2026 · 6.40% → 6.13% ▼ 0.26 pts · high 6.51% / low 6.13%
5.63%6.32%7.01%Sep 16, 2026: 6.40% APROct 2, 2026: 6.51% APROct 4, 2026: 6.13% APRSep 16, 2026Oct 6, 2026
  • Oct 4, 20266.13%▼ from 6.51%
  • Oct 2, 20266.51%▲ from 6.40%
  • Sep 16, 20266.40%first recorded
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
531 Broad St, Coraopolis, PA, 15108
Jumbo Mortgages - 15 Year
15 Year
6.125%
6.139%
View
▼
Rate6.125%
APR6.139%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 24, 2026 · 6.00% → 6.14% ▲ 0.14 pts · high 6.14% / low 6.00%
5.50%6.07%6.64%Sep 24, 2026: 6.00% APROct 1, 2026: 6.14% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20266.14%▲ from 6.00%
  • Sep 24, 20266.00%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1 Liberty Square Cir, Albuquerque, CA, 81301 5104
Jumbo 5/5 >80% 1 Loan
30 Years
6.00%
6.168%
View
▼
Rate6.00%
APR6.168%
Points0.000
UpdatedOct 4, 2026
Details

Published APR range: As low as 6.168%; Published rate range: As low as 6.000%. Current Calculation of Rate Remaining Term: 6.625%

Rate History
2 changes since Sep 14, 2026 · 6.17% → 6.17% ▼ 0.00 pts · high 6.17% / low 6.00%
5.50%6.08%6.67%Sep 14, 2026: 6.17% APRSep 17, 2026: 6.00% APRSep 25, 2026: 6.17% APRSep 14, 2026Oct 6, 2026
  • Sep 25, 20266.17%▲ from 6.00%
  • Sep 17, 20266.00%▼ from 6.17%
  • Sep 14, 20266.17%first recorded
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1172 River St, Boston, MA, 02108
Mortgage - 15 Year Fixed Jumbo
15 Year
6.125%
6.17%
View
▼
Rate6.125%
APR6.17%
Points0.000
UpdatedOct 3, 2026
Details

Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.

Rate History
1 change since Sep 24, 2026 · 5.79% → 6.17% ▲ 0.38 pts · high 6.17% / low 5.79%
5.29%5.98%6.67%Sep 24, 2026: 5.79% APROct 1, 2026: 6.17% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20266.17%▲ from 5.79%
  • Sep 24, 20265.79%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo Fixed Rate
10 years
6.00%
6.194%
View
▼
Rate6.00%
APR6.194%
Points0.000
UpdatedOct 4, 2026
Details

As Low As; Estimated Payment per $10,000: $111.02

Rate History
2 changes since Sep 14, 2026 · 5.69% → 6.19% ▲ 0.51 pts · high 6.19% / low 5.69%
5.18%5.94%6.70%Sep 14, 2026: 5.69% APRSep 20, 2026: 5.94% APROct 2, 2026: 6.19% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.19%▲ from 5.94%
  • Sep 20, 20265.94%▲ from 5.69%
  • Sep 14, 20265.69%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
1000 Easton Rd, Bensalem, NJ, 08012 1497
15-Year Fixed Rate Jumbo
15-Year
6.00%
6.198%
View
▼
Rate6.00%
APR6.198%
Points1.125
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
2 changes since Sep 16, 2026 · 6.40% → 6.20% ▼ 0.20 pts · high 6.51% / low 6.20%
5.70%6.35%7.01%Sep 16, 2026: 6.40% APROct 2, 2026: 6.51% APROct 4, 2026: 6.20% APRSep 16, 2026Oct 6, 2026
  • Oct 4, 20266.20%▼ from 6.51%
  • Oct 2, 20266.51%▲ from 6.40%
  • Sep 16, 20266.40%first recorded
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
1111 Pine St, Benicia, CA, 94510 3579
Mortgage - 30 Year Jumbo
30 Year
6.125%
6.217%
View
▼
Rate6.125%
APR6.217%
Points0.750
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 27, 2026 · 6.22% APR · checked 3 times
5.72%6.22%6.72%Sep 27, 2026: 6.22% APRSep 27, 2026Oct 6, 2026
Iron Workers SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Ridge Rd, Aston, PA, 19014
15 Year Fixed Rate Jumbo
15 Year
5.75%
6.229%
View
▼
Rate5.75%
APR6.229%
Points3.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 15, 2026 · 6.23% APR · checked 7 times
5.73%6.23%6.73%Sep 15, 2026: 6.23% APRSep 15, 2026Oct 6, 2026
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo One-Time Close Construction Loan
10 years
6.00%
6.248%
View
▼
Rate6.00%
APR6.248%
Points0.000
UpdatedOct 4, 2026
Details

As low as; Estimated Payment per $10,000: $111.02

Rate History
2 changes since Sep 14, 2026 · 5.74% → 6.25% ▲ 0.51 pts · high 6.25% / low 5.74%
5.23%5.99%6.76%Sep 14, 2026: 5.74% APRSep 20, 2026: 5.99% APROct 2, 2026: 6.25% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.25%▲ from 5.99%
  • Sep 20, 20265.99%▲ from 5.74%
  • Sep 14, 20265.74%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
1000 Easton Rd, Bensalem, NJ, 08012 1497
15-Year Fixed Rate Jumbo
15-Year
6.125%
6.264%
View
▼
Rate6.125%
APR6.264%
Points0.750
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
2 changes since Sep 16, 2026 · 6.40% → 6.26% ▼ 0.13 pts · high 6.51% / low 6.26%
5.76%6.39%7.01%Sep 16, 2026: 6.40% APROct 2, 2026: 6.51% APROct 4, 2026: 6.26% APRSep 16, 2026Oct 6, 2026
  • Oct 4, 20266.26%▼ from 6.51%
  • Oct 2, 20266.51%▲ from 6.40%
  • Sep 16, 20266.40%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
1000 Easton Rd, Bensalem, NJ, 08012 1497
15-Year Fixed Rate Jumbo
15-Year
6.25%
6.33%
View
▼
Rate6.25%
APR6.33%
Points0.375
UpdatedOct 4, 2026
Details

Additional APR listed for this product: 6.510%.

Rate History
2 changes since Sep 16, 2026 · 6.40% → 6.33% ▼ 0.07 pts · high 6.51% / low 6.33%
5.83%6.42%7.01%Sep 16, 2026: 6.40% APROct 2, 2026: 6.51% APROct 4, 2026: 6.33% APRSep 16, 2026Oct 6, 2026
  • Oct 4, 20266.33%▼ from 6.51%
  • Oct 2, 20266.51%▲ from 6.40%
  • Sep 16, 20266.40%first recorded
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
100 Forbes Blvd, Brockton, MA, 02032 1018
Fixed Jumbo
10 Years
6.375%
6.375%
View
▼
Rate6.375%
APR6.375%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.13% → 6.38% ▲ 0.25 pts · high 6.38% / low 6.13%
5.63%6.25%6.88%Sep 14, 2026: 6.13% APROct 2, 2026: 6.38% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.38%▲ from 6.13%
  • Sep 14, 20266.13%first recorded
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NJ, 08861
First Mortgage - Residential Conforming (non-Jumbo) 30 year fixed (not offered on co-ops)
30 year
6.375%
6.375%
View
▼
Rate6.375%
APR6.375%
Points1.000
UpdatedOct 5, 2026
Details

Up to 1.0 points**

Rate History
No change since Sep 29, 2026 · 6.38% APR · checked 3 times
5.88%6.38%6.88%Sep 29, 2026: 6.38% APRSep 29, 2026Oct 6, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
1000 Easton Rd, Bensalem, NJ, 08012 1497
15-Year Fixed Rate Jumbo
15-Year
6.375%
6.396%
View
▼
Rate6.375%
APR6.396%
Points0.000
UpdatedOct 4, 2026
Details

Additional APR listed for this product: 6.575%.

Rate History
2 changes since Sep 16, 2026 · 6.40% → 6.40% ▼ 0.00 pts · high 6.51% / low 6.40%
5.90%6.45%7.01%Sep 16, 2026: 6.40% APROct 2, 2026: 6.51% APROct 4, 2026: 6.40% APRSep 16, 2026Oct 6, 2026
  • Oct 4, 20266.40%▼ from 6.51%
  • Oct 2, 20266.51%▲ from 6.40%
  • Sep 16, 20266.40%first recorded
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1000 Route 202 S, Branchburg, NJ, 08807
5/6 SOFR - Jumbo Loan Amount
5 months
6.375%
6.42%
View
▼
Rate6.375%
APR6.42%
Points1.000
UpdatedOct 3, 2026
Details

$832,751-$2,000,000; Term: 5/6 SOFR - Jumbo Loan Amount $832,751-$2,000,000; Apply Now

Rate History
No change since Oct 1, 2026 · 6.42% APR · checked 2 times
5.92%6.42%6.92%Oct 1, 2026: 6.42% APROct 1, 2026Oct 6, 2026
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo Fixed Rate
15 years
6.25%
6.47%
View
▼
Rate6.25%
APR6.47%
Points0.000
UpdatedOct 4, 2026
Details

As Low As; Estimated Payment per $10,000: $85.74

Rate History
2 changes since Sep 14, 2026 · 5.96% → 6.47% ▲ 0.51 pts · high 6.47% / low 5.96%
5.46%6.22%6.98%Sep 14, 2026: 5.96% APRSep 20, 2026: 6.22% APROct 2, 2026: 6.47% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.47%▲ from 6.22%
  • Sep 20, 20266.22%▲ from 5.96%
  • Sep 14, 20265.96%first recorded
Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1000 Route 202 S, Branchburg, NJ, 08807
5/6 SOFR - Jumbo Loan Amount
5 months
6.373%
6.50%
View
▼
Rate6.373%
APR6.50%
Points0.000
UpdatedOct 3, 2026
Details

$832,751-$2,000,000; Term: 5/6 SOFR - Jumbo Loan Amount $832,751-$2,000,000; Apply Now

Rate History
No change since Oct 1, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Oct 1, 2026: 6.50% APROct 1, 2026Oct 6, 2026
Hawaii Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
111 Aupuni St, Hilo, HI, 96720 4233
Jumbo 5/30 Balloon Investor Loan
6.466%
6.50%
View
▼
Rate6.466%
APR6.50%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 6.50% APR · checked 4 times
6.00%6.50%7.00%Sep 16, 2026: 6.50% APRSep 16, 2026Oct 6, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
1000 Easton Rd, Bensalem, NJ, 08012 1497
15-Year Fixed Jumbo
15-Year
6.25%
6.505%
View
▼
Rate6.25%
APR6.505%
Points1.500
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 6.39% → 6.51% ▲ 0.11 pts · high 6.51% / low 6.39%
5.89%6.45%7.01%Sep 16, 2026: 6.39% APRSep 25, 2026: 6.51% APRSep 16, 2026Oct 6, 2026
  • Sep 25, 20266.51%▲ from 6.39%
  • Sep 16, 20266.39%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo One-Time Close Construction Loan
15 years
6.25%
6.508%
View
▼
Rate6.25%
APR6.508%
Points0.000
UpdatedOct 4, 2026
Details

As low as; Estimated Payment per $10,000: $85.74

Rate History
2 changes since Sep 14, 2026 · 6.00% → 6.51% ▲ 0.51 pts · high 6.51% / low 6.00%
5.49%6.25%7.02%Sep 14, 2026: 6.00% APRSep 20, 2026: 6.26% APROct 2, 2026: 6.51% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.51%▲ from 6.26%
  • Sep 20, 20266.26%▲ from 6.00%
  • Sep 14, 20266.00%first recorded
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
NY
15-Year Fixed Jumbo
6.50%
6.529%
View
▼
Rate6.50%
APR6.529%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 5.78% → 6.53% ▲ 0.75 pts · high 6.53% / low 5.78%
5.03%6.15%7.28%Sep 14, 2026: 5.78% APRSep 18, 2026: 6.15% APRSep 27, 2026: 6.40% APROct 2, 2026: 6.53% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.53%▲ from 6.40%
  • Sep 27, 20266.40%▲ from 6.15%
  • Sep 18, 20266.15%▲ from 5.78%
  • Sep 14, 20265.78%first recorded
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1172 River St, Boston, MA, 02108
Mortgage - 30 Year Fixed Jumbo
30 Year
6.50%
6.53%
View
▼
Rate6.50%
APR6.53%
Points0.000
UpdatedOct 3, 2026
Details

Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.

Rate History
1 change since Sep 24, 2026 · 6.29% → 6.53% ▲ 0.24 pts · high 6.53% / low 6.29%
5.79%6.41%7.03%Sep 24, 2026: 6.29% APROct 1, 2026: 6.53% APRSep 24, 2026Oct 6, 2026
  • Oct 1, 20266.53%▲ from 6.29%
  • Sep 24, 20266.29%first recorded
Iron Workers SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Ridge Rd, Aston, PA, 19014
30 Year Fixed Rate Jumbo
30 Year
6.25%
6.543%
View
▼
Rate6.25%
APR6.543%
Points3.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Sep 15, 2026 · 6.54% APR · checked 7 times
6.04%6.54%7.04%Sep 15, 2026: 6.54% APRSep 15, 2026Oct 6, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
1000 Easton Rd, Bensalem, NJ, 08012 1497
15-Year Fixed Jumbo
15-Year
6.375%
6.571%
View
▼
Rate6.375%
APR6.571%
Points1.125
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
1 change since Sep 16, 2026 · 6.39% → 6.57% ▲ 0.18 pts · high 6.57% / low 6.39%
5.89%6.48%7.07%Sep 16, 2026: 6.39% APRSep 25, 2026: 6.57% APRSep 16, 2026Oct 6, 2026
  • Sep 25, 20266.57%▲ from 6.39%
  • Sep 16, 20266.39%first recorded
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1051 S West End Blvd, Allentown, PA, 18017
Jumbo-Fixed Rate Mortgages
15 Years
6.50%
6.576%
View
▼
Rate6.50%
APR6.576%
Points0.000
UpdatedOct 3, 2026
Details

Rate Lock: 60 Day

Rate History
No change since Sep 15, 2026 · 6.58% APR · checked 5 times
6.08%6.58%7.08%Sep 15, 2026: 6.58% APRSep 15, 2026Oct 6, 2026

5/1 Jumbo ARM Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NJ, 08861
First Mortgage - Residential Conforming (non-Jumbo) 5/1 year ARM (30 year payout)
5 years
5.625%
5.625%
View
▼
Rate5.625%
APR5.625%
Points1.000
UpdatedOct 5, 2026
Details

Term: 5/1 year ARM (30 year payout); Up to 1.0 points**

Rate History
No change since Oct 5, 2026 · 5.63% APR
5.13%5.63%6.13%Oct 5, 2026: 5.63% APROct 5, 2026Oct 6, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1 Liberty Square Cir, Albuquerque, CA, 81301 5104
Jumbo 5/5 1 Loan
30 Years
5.50%
5.641%
View
▼
Rate5.50%
APR5.641%
Points0.000
UpdatedOct 4, 2026
Details

Published APR range: As low as 5.641%; Published rate range: As low as 5.500%. Current Calculation of Rate Remaining Term: 6.625%

Rate History
2 changes since Sep 14, 2026 · 5.64% → 5.64% ▼ 0.00 pts · high 5.64% / low 5.50%
5.00%5.57%6.14%Sep 14, 2026: 5.64% APRSep 17, 2026: 5.50% APRSep 25, 2026: 5.64% APRSep 14, 2026Oct 6, 2026
  • Sep 25, 20265.64%▲ from 5.50%
  • Sep 17, 20265.50%▼ from 5.64%
  • Sep 14, 20265.64%first recorded
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, CA, 90277 2837
5/1 Jumbo / High-Balance Adjustable-Rate Mortgage (Arm)
5/1 ARM
5.50%
5.688%
View
▼
Rate5.50%
APR5.688%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 5.69% APR
5.19%5.69%6.19%Oct 2, 2026: 5.69% APROct 2, 2026Oct 6, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, CA, 90277 2837
Jumbo 5/1 ARM
30 months
5.50%
5.688%
View
▼
Rate5.50%
APR5.688%
Points0.000
UpdatedOct 2, 2026
Details

Term: 30-year fixed-rate loan; Promotional Rate. Payment assumptions: 720 FICO score, primary residence, 80% LTV/CLTV, and a 1-unit single-family residence. Jumbo: $900,000 loan amount with estimated closing costs of $18,800.00 and an initial promotional interest rate of 5.500% (5.688% APR), fixed for the first five years. The estimated monthly principal and interest payment is $5,110.10. This payment does not include impounds for property taxes or insurance.

Rate History
No change since Oct 2, 2026 · 5.69% APR
5.19%5.69%6.19%Oct 2, 2026: 5.69% APROct 2, 2026Oct 6, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1 Liberty Square Cir, Albuquerque, CA, 81301 5104
Jumbo 15/15 1 Loan
30 Years
5.75%
5.904%
View
▼
Rate5.75%
APR5.904%
Points0.000
UpdatedOct 4, 2026
Details

Published APR range: As low as 5.904%. As low as; Rate 1 15 Years

Rate History
1 change since Sep 14, 2026 · 5.75% → 5.90% ▲ 0.15 pts · high 5.90% / low 5.75%
5.25%5.83%6.40%Sep 14, 2026: 5.75% APRSep 18, 2026: 5.90% APRSep 14, 2026Oct 6, 2026
  • Sep 18, 20265.90%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
1350 N Kings Rd, Angwin, CA, 83687 3193
1st Deed Jumbo 5/5/30 Year - 1 Yr. TCM
360 months
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 2, 2026
Details

1st Deed of Trust (Jumbo Loans); Adjustable Rate Mortgage Loans: Owner Occupied

Rate History
No change since Oct 2, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 2, 2026: 6.00% APROct 2, 2026Oct 6, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
CA
Jumbo Adjustable Rate Mortgage (ARM) - 5/1 ARM
6.00%
6.023%
View
▼
Rate6.00%
APR6.023%
Points0.000
UpdatedOct 2, 2026
Details

Margin: 2.500%; Caps: 2/2/6

Rate History
1 change since Sep 27, 2026 · 6.27% → 6.02% ▼ 0.25 pts · high 6.27% / low 6.02%
5.52%6.15%6.77%Sep 27, 2026: 6.27% APROct 1, 2026: 6.02% APRSep 27, 2026Oct 6, 2026
  • Oct 1, 20266.02%▼ from 6.27%
  • Sep 27, 20266.27%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo 5/5 Adjustable-Rate Mortgage
6.00%
6.039%
View
▼
Rate6.00%
APR6.039%
Points0.000
UpdatedOct 4, 2026
Details

As Low As; Your interest rate and payment are subject to change (up or down) every five years for the remaining loan term.

Rate History
No change since Oct 2, 2026 · 6.04% APR · checked 2 times
5.54%6.04%6.54%Oct 2, 2026: 6.04% APROct 2, 2026Oct 6, 2026
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1 IKEA RBFCU Parkway, Allen, TX, 75002
Jumbo ARM (5/5)
30 years
6.00%
6.039%
View
▼
Rate6.00%
APR6.039%
Points0.000
UpdatedOct 4, 2026
Details

As Low As; Estimated Payment per $10,000: $59.96

Rate History
2 changes since Sep 14, 2026 · 5.54% → 6.04% ▲ 0.50 pts · high 6.04% / low 5.54%
5.03%5.79%6.54%Sep 14, 2026: 5.54% APRSep 20, 2026: 5.79% APROct 2, 2026: 6.04% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.04%▲ from 5.79%
  • Sep 20, 20265.79%▲ from 5.54%
  • Sep 14, 20265.54%first recorded
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
10610 Potranco Rd, Fredericksburg, TX, 78121 4495
5/5 Jumbo ARM
30 years
5.997%
6.125%
View
▼
Rate5.997%
APR6.125%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 5.68% → 6.13% ▲ 0.45 pts · high 6.13% / low 5.68%
5.18%5.90%6.63%Sep 14, 2026: 5.68% APRSep 22, 2026: 5.88% APRSep 29, 2026: 6.13% APRSep 14, 2026Oct 6, 2026
  • Sep 29, 20266.13%▲ from 5.88%
  • Sep 22, 20265.88%▲ from 5.68%
  • Sep 14, 20265.68%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
CA
Jumbo Adjustable Rate Mortgage (ARM) - 5/5 ARM
6.125%
6.149%
View
▼
Rate6.125%
APR6.149%
Points0.000
UpdatedOct 2, 2026
Details

Margin: 2.375%; Caps: 2/2/5

Rate History
1 change since Sep 27, 2026 · 6.40% → 6.15% ▼ 0.25 pts · high 6.40% / low 6.15%
5.65%6.27%6.90%Sep 27, 2026: 6.40% APROct 1, 2026: 6.15% APRSep 27, 2026Oct 6, 2026
  • Oct 1, 20266.15%▼ from 6.40%
  • Sep 27, 20266.40%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1 Liberty Square Cir, Albuquerque, CA, 81301 5104
Jumbo 5/5 >80% 1 Loan
30 Years
6.00%
6.168%
View
▼
Rate6.00%
APR6.168%
Points0.000
UpdatedOct 4, 2026
Details

Published APR range: As low as 6.168%; Published rate range: As low as 6.000%. Current Calculation of Rate Remaining Term: 6.625%

Rate History
2 changes since Sep 14, 2026 · 6.17% → 6.17% ▼ 0.00 pts · high 6.17% / low 6.00%
5.50%6.08%6.67%Sep 14, 2026: 6.17% APRSep 17, 2026: 6.00% APRSep 25, 2026: 6.17% APRSep 14, 2026Oct 6, 2026
  • Sep 25, 20266.17%▲ from 6.00%
  • Sep 17, 20266.00%▼ from 6.17%
  • Sep 14, 20266.17%first recorded
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
1 Seahawk Dr, Aberdeen, MD, 21001 1733
Jumbo 5/1 ARM
5.375%
6.558%
View
▼
Rate5.375%
APR6.558%
Points0.000
UpdatedOct 4, 2026
Details

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $850,000 and an estimated property value of $1,062,500. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780.

Rate History
1 change since Sep 25, 2026 · 6.51% → 6.56% ▲ 0.05 pts · high 6.56% / low 6.51%
6.01%6.53%7.06%Sep 25, 2026: 6.51% APROct 2, 2026: 6.56% APRSep 25, 2026Oct 6, 2026
  • Oct 2, 20266.56%▲ from 6.51%
  • Sep 25, 20266.51%first recorded
Patelco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
1050 Admiral Ct Ste F, Berkeley, CA, 94015
5/1 30-Year Adjustable Jumbo Loan
6.125%
6.567%
View
▼
Rate6.125%
APR6.567%
Points0.000
UpdatedOct 2, 2026
Details

Amount: $832,751 to $2,500,000

Rate History
3 changes since Sep 14, 2026 · 6.24% → 6.57% ▲ 0.33 pts · high 6.57% / low 6.24%
5.74%6.40%7.07%Sep 14, 2026: 6.24% APRSep 18, 2026: 6.32% APRSep 27, 2026: 6.49% APROct 2, 2026: 6.57% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.57%▲ from 6.49%
  • Sep 27, 20266.49%▲ from 6.32%
  • Sep 18, 20266.32%▲ from 6.24%
  • Sep 14, 20266.24%first recorded
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1 Garden Ctr, American Fork, CO, 78006 2958
15/15-Year Adjustable Rate Mortgage Jumbo
6.375%
6.575%
View
▼
Rate6.375%
APR6.575%
Points0.000
UpdatedOct 5, 2026
Details

Rate as low as... *

Rate History
2 changes since Sep 14, 2026 · 6.18% → 6.58% ▲ 0.39 pts · high 6.58% / low 6.18%
5.68%6.38%7.08%Sep 14, 2026: 6.18% APRSep 17, 2026: 6.20% APRSep 25, 2026: 6.58% APRSep 14, 2026Oct 6, 2026
  • Sep 25, 20266.58%▲ from 6.20%
  • Sep 17, 20266.20%▲ from 6.18%
  • Sep 14, 20266.18%first recorded
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1060 University Ave Ste A101, Chula Vista, CA, 91910 7487
5/1 Jumbo ARM
5/1 Jumbo ARM
5.50%
6.60%
View
▼
Rate5.50%
APR6.60%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 18, 2026 · 6.60% → 6.60% ▼ 0.00 pts · high 6.67% / low 6.60%
6.10%6.64%7.17%Sep 18, 2026: 6.60% APROct 1, 2026: 6.67% APROct 2, 2026: 6.60% APRSep 18, 2026Oct 6, 2026
  • Oct 2, 20266.60%▼ from 6.67%
  • Oct 1, 20266.67%▲ from 6.60%
  • Sep 18, 20266.60%first recorded
Patelco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
1050 Admiral Ct Ste F, Berkeley, CA, 94015
5/1 30-Year Adjustable Jumbo Loan
6.25%
6.618%
View
▼
Rate6.25%
APR6.618%
Points0.000
UpdatedOct 2, 2026
Details

Amount: $832,751 to $2,500,000

Rate History
3 changes since Sep 14, 2026 · 6.24% → 6.62% ▲ 0.38 pts · high 6.62% / low 6.24%
5.74%6.43%7.12%Sep 14, 2026: 6.24% APRSep 18, 2026: 6.32% APRSep 27, 2026: 6.49% APROct 2, 2026: 6.62% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.62%▲ from 6.49%
  • Sep 27, 20266.49%▲ from 6.32%
  • Sep 18, 20266.32%▲ from 6.24%
  • Sep 14, 20266.24%first recorded

FHA Loan Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX, 78102
FHA Purchase / Refinance - 15 Year
15 Year
6.625%
6.837%
View
▼
Rate6.625%
APR6.837%
Points1.000
UpdatedOct 2, 2026
Details

Loan Amount Example: $300,000.00; Monthly Payment Example: $2,633.98

Rate History
1 change since Sep 14, 2026 · 6.92% → 6.84% ▼ 0.09 pts · high 6.92% / low 6.84%
6.34%6.88%7.42%Sep 14, 2026: 6.92% APROct 2, 2026: 6.84% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.84%▼ from 6.92%
  • Sep 14, 20266.92%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX, 78102
FHA Purchase Refinance
15 Year
6.625%
6.837%
View
▼
Rate6.625%
APR6.837%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.92% → 6.84% ▼ 0.09 pts · high 6.92% / low 6.84%
6.34%6.88%7.42%Sep 14, 2026: 6.92% APROct 2, 2026: 6.84% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.84%▼ from 6.92%
  • Sep 14, 20266.92%first recorded
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
110 Commerce Dr, Casper, WY, 82009 7359
Purchases and First Mortgage Refinances - 30 year FHA
7.00%
7.00%
View
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedOct 4, 2026
Details

As Low As

Rate History
No change since Oct 2, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 2, 2026: 7.00% APROct 2, 2026Oct 6, 2026
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1090 W Sunset Rd Ste B, Henderson, NV, 89014 6678
Refi FHA 30 Year Fixed
6.875%
7.082%
View
▼
Rate6.875%
APR7.082%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.32% → 7.08% ▲ 0.76 pts · high 7.08% / low 6.32%
5.56%6.70%7.84%Sep 14, 2026: 6.32% APRSep 18, 2026: 6.58% APRSep 27, 2026: 7.08% APRSep 14, 2026Oct 6, 2026
  • Sep 27, 20267.08%▲ from 6.58%
  • Sep 18, 20266.58%▲ from 6.32%
  • Sep 14, 20266.32%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX, 78102
FHA Purchase / Refinance - 20 Year
20 Year
7.375%
7.41%
View
▼
Rate7.375%
APR7.41%
Points0.000
UpdatedOct 2, 2026
Details

Loan Amount Example: $300,000.00; Monthly Payment Example: $2,393.90

Rate History
1 change since Sep 14, 2026 · 7.31% → 7.41% ▲ 0.10 pts · high 7.41% / low 7.31%
6.81%7.36%7.91%Sep 14, 2026: 7.31% APROct 2, 2026: 7.41% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.41%▲ from 7.31%
  • Sep 14, 20267.31%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX, 78102
FHA Purchase Refinance
20 Year
7.375%
7.41%
View
▼
Rate7.375%
APR7.41%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.31% → 7.41% ▲ 0.10 pts · high 7.41% / low 7.31%
6.81%7.36%7.91%Sep 14, 2026: 7.31% APROct 2, 2026: 7.41% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.41%▲ from 7.31%
  • Sep 14, 20267.31%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX, 78102
FHA Purchase / Refinance - 30 Year
30 Year
7.375%
7.416%
View
▼
Rate7.375%
APR7.416%
Points0.000
UpdatedOct 2, 2026
Details

Loan Amount Example: $300,000.00; Monthly Payment Example: $2,072.03

Rate History
1 change since Sep 14, 2026 · 7.32% → 7.42% ▲ 0.10 pts · high 7.42% / low 7.32%
6.82%7.37%7.92%Sep 14, 2026: 7.32% APROct 2, 2026: 7.42% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.42%▲ from 7.32%
  • Sep 14, 20267.32%first recorded
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
1280 E League City Pkwy, Alvin, TX, 77017
5/1 CMT FHA ARM
5.629%
5.96%
View
▼
Rate5.629%
APR5.96%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 5.36% → 5.96% ▲ 0.60 pts · high 5.96% / low 5.36%
4.75%5.66%6.57%Sep 14, 2026: 5.36% APRSep 21, 2026: 5.73% APRSep 25, 2026: 5.79% APROct 2, 2026: 5.96% APROct 5, 2026: 5.96% APRSep 14, 2026Oct 6, 2026
  • Oct 5, 20265.96%▼ from 5.96%
  • Oct 2, 20265.96%▲ from 5.79%
  • Sep 25, 20265.79%▲ from 5.73%
  • Sep 21, 20265.73%▲ from 5.36%
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1155 W Park Lane, American Fork, UT, 84003
FHA Loan
15 Years
5.99%
6.345%
View
▼
Rate5.99%
APR6.345%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 5.72% → 6.35% ▲ 0.62 pts · high 6.35% / low 5.72%
5.10%6.03%6.97%Sep 14, 2026: 5.72% APRSep 25, 2026: 6.23% APROct 2, 2026: 6.35% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.35%▲ from 6.23%
  • Sep 25, 20266.23%▲ from 5.72%
  • Sep 14, 20265.72%first recorded
Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
10725 Magnolia Ave, Banning, CA, 91752
15 Year - FHA Fixed
15 Year
6.125%
6.419%
View
▼
Rate6.125%
APR6.419%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.42% APR · checked 5 times
5.92%6.42%6.92%Sep 14, 2026: 6.42% APRSep 14, 2026Oct 6, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
1280 E League City Pkwy, Alvin, TX, 77017
7/1 CMT FHA ARM
6.077%
6.422%
View
▼
Rate6.077%
APR6.422%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 5.97% → 6.42% ▲ 0.46 pts · high 6.42% / low 5.97%
5.47%6.20%6.92%Sep 14, 2026: 5.97% APRSep 21, 2026: 6.04% APRSep 25, 2026: 6.07% APROct 2, 2026: 6.42% APROct 5, 2026: 6.42% APRSep 14, 2026Oct 6, 2026
  • Oct 5, 20266.42%▼ from 6.42%
  • Oct 2, 20266.42%▲ from 6.07%
  • Sep 25, 20266.07%▲ from 6.04%
  • Sep 21, 20266.04%▲ from 5.97%
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC, 27870
FHA/VA Loan
30 years
6.375%
6.615%
View
▼
Rate6.375%
APR6.615%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 6.65% → 6.62% ▼ 0.04 pts · high 6.65% / low 6.62%
6.12%6.63%7.15%Sep 15, 2026: 6.65% APRSep 27, 2026: 6.62% APRSep 15, 2026Oct 6, 2026
  • Sep 27, 20266.62%▼ from 6.65%
  • Sep 15, 20266.65%first recorded
Advantage One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
11153 Telegraph Rd, Brownstown, MI, 48134
FHA Fixed Rate Mortgage
30-Year
6.25%
6.666%
View
▼
Rate6.25%
APR6.666%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.67% APR · checked 6 times
6.17%6.67%7.17%Sep 14, 2026: 6.67% APRSep 14, 2026Oct 6, 2026
Advantage One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
11153 Telegraph Rd, Brownstown, MI, 48134
FHA Fixed Rate Mortgage
15-Year
6.00%
6.685%
View
▼
Rate6.00%
APR6.685%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.69% APR · checked 6 times
6.19%6.69%7.19%Sep 14, 2026: 6.69% APRSep 14, 2026Oct 6, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD, 20903 1058
FHA 30-Year Fixed Rate
360 months
6.397%
6.843%
View
▼
Rate6.397%
APR6.843%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
3 changes since Sep 16, 2026 · 6.52% → 6.84% ▲ 0.32 pts · high 6.84% / low 6.52%
6.02%6.68%7.34%Sep 16, 2026: 6.52% APRSep 25, 2026: 6.69% APROct 2, 2026: 6.79% APROct 4, 2026: 6.84% APRSep 16, 2026Oct 6, 2026
  • Oct 4, 20266.84%▲ from 6.79%
  • Oct 2, 20266.79%▲ from 6.69%
  • Sep 25, 20266.69%▲ from 6.52%
  • Sep 16, 20266.52%first recorded
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1155 W Park Lane, American Fork, UT, 84003
FHA Loan
30 Years
6.625%
6.845%
View
▼
Rate6.625%
APR6.845%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.34% → 6.85% ▲ 0.51 pts · high 6.85% / low 6.34%
5.83%6.59%7.35%Sep 14, 2026: 6.34% APRSep 25, 2026: 6.85% APRSep 14, 2026Oct 6, 2026
  • Sep 25, 20266.85%▲ from 6.34%
  • Sep 14, 20266.34%first recorded
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
280 N Pantano Rd, Tucson, AZ, 85705 1551
FHA Loan (Purchase)
6.875%
View
▼
Rate
APR6.875%
Points0.000
UpdatedOct 4, 2026
Details

Fixed

Rate History
4 changes since Sep 12, 2026 · 6.49% → 6.88% ▲ 0.38 pts · high 7.13% / low 6.49%
5.86%6.81%7.76%Sep 12, 2026: 6.49% APRSep 20, 2026: 6.75% APRSep 25, 2026: 6.88% APROct 2, 2026: 7.13% APROct 4, 2026: 6.88% APRSep 12, 2026Oct 6, 2026
  • Oct 4, 20266.88%▼ from 7.13%
  • Oct 2, 20267.13%▲ from 6.88%
  • Sep 25, 20266.88%▲ from 6.75%
  • Sep 20, 20266.75%▲ from 6.49%
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Madison, MD, 20850 3312
FHA Mortgage
15 Year
6.875%
View
▼
Rate
APR6.875%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 6.88% APR · checked 4 times
6.38%6.88%7.38%Sep 18, 2026: 6.88% APRSep 18, 2026Oct 6, 2026
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
801 11th St, Two Harbors, MN, 55616
FHA Title I - 5 years Loan
5 years
6.90%
View
▼
Rate
APR6.90%
Points0.000
UpdatedOct 4, 2026
Details

As low as; Loan rates based on individual credit score and credit union relationship.

Rate History
No change since Sep 14, 2026 · 6.90% APR · checked 6 times
6.40%6.90%7.40%Sep 14, 2026: 6.90% APRSep 14, 2026Oct 6, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Corporate Center Dr Ste 101, Cerritos, CA, 90703
FHA 30 Year Fixed Rate
30 Year
6.875%
6.948%
View
▼
Rate6.875%
APR6.948%
Points0.000
UpdatedOct 5, 2026
Details

Government

Rate History
No change since Sep 29, 2026 · 6.95% APR · checked 3 times
6.45%6.95%7.45%Sep 29, 2026: 6.95% APRSep 29, 2026Oct 6, 2026
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
175 N Clovis Ave, Clovis, CA, 93612 0304
FHA 30 Year Fixed Rate
30 Year
6.875%
6.968%
View
▼
Rate6.875%
APR6.968%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Oct 2, 2026 · 6.97% APR · checked 2 times
6.47%6.97%7.47%Oct 2, 2026: 6.97% APROct 2, 2026Oct 6, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
1033 N Buckner St, Augusta, KS, 67010
Mortgage - FHA 30 Year Fixed
FHA 30 Year Fixed
6.875%
7.015%
View
▼
Rate6.875%
APR7.015%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Oct 3, 2026 · 7.02% APR
6.52%7.02%7.52%Oct 3, 2026: 7.02% APROct 3, 2026Oct 6, 2026
One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1090 W Sunset Rd Ste B, Henderson, NV, 89014 6678
FHA 30 Year Fixed
6.875%
7.082%
View
▼
Rate6.875%
APR7.082%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.32% → 7.08% ▲ 0.76 pts · high 7.08% / low 6.32%
5.56%6.70%7.84%Sep 14, 2026: 6.32% APRSep 18, 2026: 6.58% APRSep 27, 2026: 7.08% APRSep 14, 2026Oct 6, 2026
  • Sep 27, 20267.08%▲ from 6.58%
  • Sep 18, 20266.58%▲ from 6.32%
  • Sep 14, 20266.32%first recorded
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1070 E Teague Ave, Clovis, CA, 93230 4938
FHA 30 Year Fixed Rate
30 Year
6.875%
7.091%
View
▼
Rate6.875%
APR7.091%
Points0.000
UpdatedOct 2, 2026
Details

Additional APR listed for this product: 7.193%.

Rate History
No change since Sep 29, 2026 · 7.09% APR · checked 3 times
6.59%7.09%7.59%Sep 29, 2026: 7.09% APRSep 29, 2026Oct 6, 2026
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1115 Sagamore Pkwy S, Covington, IN, 46041
FHA Loans
30 Year
7.10%
View
▼
Rate
APR7.10%
Points0.000
UpdatedOct 5, 2026
Details

As Low As; (30-year rate shown); * Rates are subject to change without notice.

Rate History
2 changes since Sep 17, 2026 · 6.48% → 7.10% ▲ 0.63 pts · high 7.10% / low 6.48%
5.85%6.79%7.73%Sep 17, 2026: 6.48% APRSep 25, 2026: 6.85% APROct 5, 2026: 7.10% APRSep 17, 2026Oct 6, 2026
  • Oct 5, 20267.10%▲ from 6.85%
  • Sep 25, 20266.85%▲ from 6.48%
  • Sep 17, 20266.48%first recorded
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
1028 Us Route 302, Berlin, NH, 03251
30 Year Fixed Rate MOVE RD, VA, FHA
30 Year
6.50%
7.144%
View
▼
Rate6.50%
APR7.144%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 6.64% → 7.14% ▲ 0.51 pts · high 7.14% / low 6.64%
6.13%6.89%7.65%Sep 15, 2026: 6.64% APROct 1, 2026: 7.14% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20267.14%▲ from 6.64%
  • Sep 15, 20266.64%first recorded
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
10150 W Desert River Blvd, Avondale, AZ, 85008 2442
FHA - 30 Year Loan
30 Year
6.875%
7.144%
View
▼
Rate6.875%
APR7.144%
Points1.375
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 7.14% APR · checked 2 times
6.64%7.14%7.64%Oct 1, 2026: 7.14% APROct 1, 2026Oct 6, 2026
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
110 International Way, Albany, OR, 97210
Current Mortgage - 30 Year FHA
6.375%
7.145%
View
▼
Rate6.375%
APR7.145%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 29, 2026 · 7.15% APR · checked 2 times
6.65%7.15%7.65%Sep 29, 2026: 7.15% APRSep 29, 2026Oct 6, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
1800 Barrs St, Hammond, FL, 32202
FHA 30 year fixed
7.00%
7.176%
View
▼
Rate7.00%
APR7.176%
Points0.500
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.00% → 7.18% ▲ 0.18 pts · high 7.18% / low 7.00%
6.50%7.09%7.68%Sep 14, 2026: 7.00% APROct 5, 2026: 7.18% APRSep 14, 2026Oct 6, 2026
  • Oct 5, 20267.18%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
1010 Riley St Ste 5, Anaheim, CA, 90045
FHA - Fixed-Rate Mortgages - 15 Year
15 Year
6.50%
7.19%
View
▼
Rate6.50%
APR7.19%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 19.99% → 7.19% ▼ 12.80 pts · high 19.99% / low 7.01%
0.00%16.49%32.97%Sep 14, 2026: 19.99% APRSep 17, 2026: 7.01% APRSep 25, 2026: 7.14% APRSep 29, 2026: 7.19% APRSep 14, 2026Oct 6, 2026
  • Sep 29, 20267.19%▲ from 7.14%
  • Sep 25, 20267.14%▲ from 7.01%
  • Sep 17, 20267.01%▼ from 19.99%
  • Sep 14, 202619.99%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1020 E 800 N, Bluffdale, ID, 83402
20 Year Fixed FHA Mortgage
20 years
6.375%
7.22%
View
▼
Rate6.375%
APR7.22%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 7.22% APR
6.72%7.22%7.72%Oct 5, 2026: 7.22% APROct 5, 2026Oct 6, 2026
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
10025 Baltimore National Pike, Annapolis, MD, 20740
About Mortgages - FHA 30 Year Fixed
6.875%
7.222%
View
▼
Rate6.875%
APR7.222%
Points1.250
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.71% → 7.22% ▲ 0.51 pts · high 7.22% / low 6.71%
6.20%6.97%7.73%Sep 14, 2026: 6.71% APRSep 22, 2026: 6.80% APROct 1, 2026: 7.22% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20267.22%▲ from 6.80%
  • Sep 22, 20266.80%▲ from 6.71%
  • Sep 14, 20266.71%first recorded
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Advance, NC, 27006
FHA Mortgage - FHA 30 Year (FHA)
30 year
7.125%
7.226%
View
▼
Rate7.125%
APR7.226%
Points0.000
UpdatedOct 5, 2026
Details

For example, an FHA loan with 30 year term for a loan amount of $361,875, the interest rate of 7.125%, with an APR of 7.226%, would result in an estimated monthly principal and interest payment of $2,438.02. This example does not include mortgage insurance premiums, taxes, insurance, or escrow amounts; your actual payment obligation may be greater.

Rate History
No change since Sep 29, 2026 · 7.23% APR · checked 3 times
6.73%7.23%7.73%Sep 29, 2026: 7.23% APRSep 29, 2026Oct 6, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
322 Buck Dr, Reno, NV, 89436 7731
FHA 30 Year Fixed
6.125%
7.231%
View
▼
Rate6.125%
APR7.231%
Points1.000
UpdatedOct 4, 2026
Details

96.5% LTV

Rate History
No change since Sep 12, 2026 · 7.23% APR · checked 5 times
6.73%7.23%7.73%Sep 12, 2026: 7.23% APRSep 12, 2026Oct 6, 2026
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
110 International Way, Albany, OR, 97210
30 Year FHA Manufactured Home (no homes on rented land) Loan
6.50%
7.232%
View
▼
Rate6.50%
APR7.232%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.71% → 7.23% ▲ 0.52 pts · high 7.23% / low 6.71%
6.19%6.97%7.75%Sep 14, 2026: 6.71% APRSep 18, 2026: 7.23% APRSep 14, 2026Oct 6, 2026
  • Sep 18, 20267.23%▲ from 6.71%
  • Sep 14, 20266.71%first recorded
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
1460 Yankee Doodle Rd, Coon Rapids, MN, 55102
FHA Fixed - 30 Years
30 Years
7.25%
View
▼
Rate
APR7.25%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.38% → 7.25% ▲ 0.88 pts · high 7.25% / low 6.38%
5.50%6.81%8.13%Sep 14, 2026: 6.38% APROct 2, 2026: 7.25% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.25%▲ from 6.38%
  • Sep 14, 20266.38%first recorded
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1100 NE Weidler St, Albany, OR, 97005
FHA Loan
7.125%
7.25%
View
▼
Rate7.125%
APR7.25%
Points0.500
UpdatedOct 2, 2026
Details

The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice.

Rate History
2 changes since Sep 14, 2026 · 6.74% → 7.25% ▲ 0.51 pts · high 7.25% / low 6.74%
6.24%7.00%7.76%Sep 14, 2026: 6.74% APRSep 18, 2026: 6.87% APROct 2, 2026: 7.25% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.25%▲ from 6.87%
  • Sep 18, 20266.87%▲ from 6.74%
  • Sep 14, 20266.74%first recorded
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
1800 Barrs St, Hammond, FL, 32202
FHA 30 year fixed
7.125%
7.251%
View
▼
Rate7.125%
APR7.251%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 14, 2026: 7.00% APROct 5, 2026: 7.25% APRSep 14, 2026Oct 6, 2026
  • Oct 5, 20267.25%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Riverchase Pkwy S, Birmingham, AL, 35023 1668
30-Year FHA Fixed
6.375%
7.252%
View
▼
Rate6.375%
APR7.252%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.90% → 7.25% ▲ 0.35 pts · high 7.25% / low 6.90%
6.40%7.07%7.75%Sep 14, 2026: 6.90% APRSep 18, 2026: 7.25% APRSep 14, 2026Oct 6, 2026
  • Sep 18, 20267.25%▲ from 6.90%
  • Sep 14, 20266.90%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1400 Riverwood Dr, Bloomington, MN, 53110 2611
FHA 30-Year Fixed
7.00%
7.292%
View
▼
Rate7.00%
APR7.292%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.65% → 7.29% ▲ 0.65 pts · high 7.29% / low 6.65%
6.00%6.97%7.94%Sep 14, 2026: 6.65% APRSep 18, 2026: 6.66% APRSep 22, 2026: 6.76% APRSep 27, 2026: 7.20% APROct 1, 2026: 7.17% APROct 2, 2026: 7.29% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.29%▲ from 7.17%
  • Oct 1, 20267.17%▼ from 7.20%
  • Sep 27, 20267.20%▲ from 6.76%
  • Sep 22, 20266.76%▲ from 6.66%
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
1 Denso Rd, Bangor, MI, 49001
MORTGAGE - FHA 30 Year Fixed
30 Year
7.125%
7.292%
View
▼
Rate7.125%
APR7.292%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 29, 2026 · 7.29% APR · checked 2 times
6.79%7.29%7.79%Sep 29, 2026: 7.29% APRSep 29, 2026Oct 6, 2026
LEVO
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
1701 N Minnesota Ave, Sioux City, IA, 51106
FHA Loans
6.875%
7.301%
View
▼
Rate6.875%
APR7.301%
Points0.000
UpdatedOct 6, 2026
Details

No additional details available.

Rate History
No change since Sep 30, 2026 · 7.30% APR · checked 4 times
6.80%7.30%7.80%Sep 30, 2026: 7.30% APRSep 30, 2026Oct 6, 2026
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
15100 N May Ave, Edmond, OK, 73013 8803
FHA 15 Year Loan
15 Year
6.75%
7.348%
View
▼
Rate6.75%
APR7.348%
Points0.000
UpdatedOct 6, 2026
Details

No additional details available.

Rate History
1 change since Sep 30, 2026 · 7.30% → 7.35% ▲ 0.05 pts · high 7.35% / low 7.30%
6.80%7.32%7.85%Sep 30, 2026: 7.30% APROct 2, 2026: 7.35% APRSep 30, 2026Oct 6, 2026
  • Oct 2, 20267.35%▲ from 7.30%
  • Sep 30, 20267.30%first recorded
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
1280 E League City Pkwy, Alvin, TX, 77017
30-year FHA Fixed
30-year
6.75%
7.359%
View
▼
Rate6.75%
APR7.359%
Points0.865
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 7.36% APR
6.86%7.36%7.86%Oct 5, 2026: 7.36% APROct 5, 2026Oct 6, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
1221 Hewitt Dr, Belton, TX, 76501 7603
FHA 15-year Fixed purchase
180 months
6.63%
7.36%
View
▼
Rate6.63%
APR7.36%
Points1.380
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.75% → 7.36% ▲ 0.61 pts · high 7.38% / low 6.75%
6.12%7.06%8.01%Sep 14, 2026: 6.75% APRSep 18, 2026: 7.32% APRSep 22, 2026: 7.21% APRSep 27, 2026: 7.30% APROct 1, 2026: 7.38% APROct 2, 2026: 7.36% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.36%▼ from 7.38%
  • Oct 1, 20267.38%▲ from 7.30%
  • Sep 27, 20267.30%▲ from 7.21%
  • Sep 22, 20267.21%▼ from 7.32%
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1 IKEA RBFCU Parkway, Allen, TX, 75002
FHA Mortgage
15 years
6.375%
7.361%
View
▼
Rate6.375%
APR7.361%
Points0.000
UpdatedOct 4, 2026
Details

As Low As; Estimated Payment per $10,000: $86.43

Rate History
3 changes since Sep 14, 2026 · 6.60% → 7.36% ▲ 0.76 pts · high 7.36% / low 6.60%
5.83%6.98%8.13%Sep 14, 2026: 6.60% APRSep 20, 2026: 6.72% APRSep 25, 2026: 7.11% APROct 2, 2026: 7.36% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.36%▲ from 7.11%
  • Sep 25, 20267.11%▲ from 6.72%
  • Sep 20, 20266.72%▲ from 6.60%
  • Sep 14, 20266.60%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
1012 Yellowstone Ave, Albuquerque, AZ, 59105
15-year FHA Loan
15 years
6.50%
7.375%
View
▼
Rate6.50%
APR7.375%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.00% → 7.38% ▲ 0.38 pts · high 7.38% / low 7.00%
6.50%7.19%7.88%Sep 14, 2026: 7.00% APRSep 21, 2026: 7.38% APRSep 14, 2026Oct 6, 2026
  • Sep 21, 20267.38%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
11555 26 Mile Rd, Chesterfield, MI, 48021
FHA Loan
30-Year
6.75%
7.381%
View
▼
Rate6.75%
APR7.381%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 7.15% → 7.38% ▲ 0.24 pts · high 7.38% / low 7.15%
6.65%7.26%7.88%Sep 15, 2026: 7.15% APRSep 19, 2026: 7.38% APRSep 15, 2026Oct 6, 2026
  • Sep 19, 20267.38%▲ from 7.15%
  • Sep 15, 20267.15%first recorded
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
1 Reading Dr, Allentown, NJ, 08865 1845
FHA Mortgage
30 Years
7.00%
7.394%
View
▼
Rate7.00%
APR7.394%
Points0.000
UpdatedOct 5, 2026
Details

As Low As; Subject to credit approval. Rates, terms, and information are subject to change at any time. Rates offered are dependent on credit score at application. Rates are locked for 60 days. Loans with less than 20% down payment will require private mortgage insurance. NMLS 595144

Rate History
No change since Oct 5, 2026 · 7.39% APR
6.89%7.39%7.89%Oct 5, 2026: 7.39% APROct 5, 2026Oct 6, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
1028 Us Route 302, Berlin, NH, 03251
30 Year Fixed Rate Advantage RD, VA, FHA
30 Year
6.75%
7.399%
View
▼
Rate6.75%
APR7.399%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 6.89% → 7.40% ▲ 0.51 pts · high 7.40% / low 6.89%
6.38%7.14%7.91%Sep 15, 2026: 6.89% APROct 1, 2026: 7.40% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20267.40%▲ from 6.89%
  • Sep 15, 20266.89%first recorded
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
1280 E League City Pkwy, Alvin, TX, 77017
30-year FHA Fixed
30-year
6.875%
7.429%
View
▼
Rate6.875%
APR7.429%
Points0.237
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 7.43% APR
6.93%7.43%7.93%Oct 5, 2026: 7.43% APROct 5, 2026Oct 6, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
11400 AL Highway 157, Albertville, AL, 35055
30 Year FHA Loan
30 Year
6.25%
7.431%
View
▼
Rate6.25%
APR7.431%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 7.43% APR · checked 5 times
6.93%7.43%7.93%Sep 14, 2026: 7.43% APRSep 14, 2026Oct 6, 2026
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
11899 New Halls Ferry Rd, Ellisville, MO, 63011
30 Year FHA Loan
30 Year
6.75%
7.435%
View
▼
Rate6.75%
APR7.435%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.95% → 7.44% ▲ 0.48 pts · high 7.44% / low 6.95%
6.45%7.19%7.94%Sep 14, 2026: 6.95% APROct 2, 2026: 7.44% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.44%▲ from 6.95%
  • Sep 14, 20266.95%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
10588 S Redwood Rd, Bountiful, UT, 84010 7278
30-Year FHA Loan
30 years
6.75%
7.468%
View
▼
Rate6.75%
APR7.468%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 7.47% APR
6.97%7.47%7.97%Oct 5, 2026: 7.47% APROct 5, 2026Oct 6, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1020 E 800 N, Bluffdale, ID, 83402
30 Year Fixed FHA Mortgage
30 years
6.75%
7.479%
View
▼
Rate6.75%
APR7.479%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 7.48% APR
6.98%7.48%7.98%Oct 5, 2026: 7.48% APROct 5, 2026Oct 6, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
1280 E League City Pkwy, Alvin, TX, 77017
30-year FHA Fixed
30-year
6.99%
7.494%
View
▼
Rate6.99%
APR7.494%
Points-0.318
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 5, 2026: 7.49% APROct 5, 2026Oct 6, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
100 E Walnut St, Abington, NJ, 08002 4402
Mortgage - 15 Year FHA
15 Year
6.50%
7.499%
View
▼
Rate6.50%
APR7.499%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 7.50% APR · checked 3 times
7.00%7.50%8.00%Sep 25, 2026: 7.50% APRSep 25, 2026Oct 6, 2026
Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1000 E 32nd St, Alba, MO, 64755
30-year fixed rate FHA
30-year
7.25%
7.505%
View
▼
Rate7.25%
APR7.505%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
3 changes since Sep 19, 2026 · 7.12% → 7.51% ▲ 0.38 pts · high 7.76% / low 7.12%
6.49%7.44%8.39%Sep 19, 2026: 7.12% APRSep 24, 2026: 7.24% APRSep 27, 2026: 7.76% APROct 1, 2026: 7.51% APRSep 19, 2026Oct 6, 2026
  • Oct 1, 20267.51%▼ from 7.76%
  • Sep 27, 20267.76%▲ from 7.24%
  • Sep 24, 20267.24%▲ from 7.12%
  • Sep 19, 20267.12%first recorded

VA Loan Refinance Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1101 FM 3036, Alamo, TX, 78102
VA Purchase Refinance
15 Year
6.625%
6.837%
View
▼
Rate6.625%
APR6.837%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.20% → 6.84% ▲ 0.63 pts · high 6.84% / low 6.20%
5.57%6.52%7.47%Sep 14, 2026: 6.20% APROct 2, 2026: 6.84% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.84%▲ from 6.20%
  • Sep 14, 20266.20%first recorded
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
110 Commerce Dr, Casper, WY, 82009 7359
Purchases and First Mortgage Refinances - 30 year VA
6.875%
6.875%
View
▼
Rate6.875%
APR6.875%
Points0.000
UpdatedOct 4, 2026
Details

As Low As

Rate History
No change since Oct 2, 2026 · 6.88% APR · checked 2 times
6.38%6.88%7.38%Oct 2, 2026: 6.88% APROct 2, 2026Oct 6, 2026
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
10750 France Ave S, Andover, MN, 55304
VA IRRRL 30-Year Fixed
30-Year
7.00%
7.114%
View
▼
Rate7.00%
APR7.114%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 6.49% → 7.11% ▲ 0.63 pts · high 7.11% / low 6.49%
5.86%6.80%7.74%Sep 14, 2026: 6.49% APRSep 18, 2026: 6.74% APRSep 29, 2026: 7.11% APRSep 14, 2026Oct 6, 2026
  • Sep 29, 20267.11%▲ from 6.74%
  • Sep 18, 20266.74%▲ from 6.49%
  • Sep 14, 20266.49%first recorded
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
1800 Barrs St, Hammond, FL, 32202
VA 30 year IRRRL Loan
30 year
7.00%
7.176%
View
▼
Rate7.00%
APR7.176%
Points0.500
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.00% → 7.18% ▲ 0.18 pts · high 7.18% / low 7.00%
6.50%7.09%7.68%Sep 14, 2026: 7.00% APROct 1, 2026: 7.18% APRSep 14, 2026Oct 6, 2026
  • Oct 1, 20267.18%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
1400 W Raymond St, Indianapolis, IN, 46202
VA Loan Refinance - 15-Year Fixed
180 months
6.50%
7.186%
View
▼
Rate6.50%
APR7.186%
Points1.875
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 7.19% APR
6.69%7.19%7.69%Oct 5, 2026: 7.19% APROct 5, 2026Oct 6, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
VA Mortgage - Purchase 10 Year Fixed
10 Year
5.50%
View
▼
Rate
APR5.50%
Points0.000
UpdatedOct 5, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.15% → 5.50% ▲ 0.35 pts · high 5.50% / low 5.15%
4.65%5.33%6.00%Sep 14, 2026: 5.15% APROct 2, 2026: 5.50% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20265.50%▲ from 5.15%
  • Sep 14, 20265.15%first recorded
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
VA Mortgage - Purchase 15 Year Fixed
15 Year
5.75%
View
▼
Rate
APR5.75%
Points0.000
UpdatedOct 5, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.40% → 5.75% ▲ 0.35 pts · high 5.75% / low 5.40%
4.90%5.58%6.25%Sep 14, 2026: 5.40% APROct 2, 2026: 5.75% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20265.75%▲ from 5.40%
  • Sep 14, 20265.40%first recorded
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
VA Mortgage - Purchase 20 Year Fixed
20 Year
6.00%
View
▼
Rate
APR6.00%
Points0.000
UpdatedOct 5, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.65% → 6.00% ▲ 0.35 pts · high 6.00% / low 5.65%
5.15%5.83%6.50%Sep 14, 2026: 5.65% APROct 2, 2026: 6.00% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.00%▲ from 5.65%
  • Sep 14, 20265.65%first recorded
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
VA Mortgage - Purchase 30 Year Fixed
30 Year
6.25%
View
▼
Rate
APR6.25%
Points0.000
UpdatedOct 5, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.90% → 6.25% ▲ 0.35 pts · high 6.25% / low 5.90%
5.40%6.08%6.75%Sep 14, 2026: 5.90% APROct 2, 2026: 6.25% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.25%▲ from 5.90%
  • Sep 14, 20265.90%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1 Mount Baldy Dr, Aurora, CO, 80011 7809
VA 15-Year Fixed
6.25%
6.25%
View
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedOct 2, 2026
Details

Origination Fee: 0%

Rate History
3 changes since Sep 14, 2026 · 6.17% → 6.25% ▲ 0.08 pts · high 6.38% / low 6.17%
5.67%6.27%6.88%Sep 14, 2026: 6.17% APRSep 27, 2026: 6.25% APROct 1, 2026: 6.38% APROct 2, 2026: 6.25% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.25%▼ from 6.38%
  • Oct 1, 20266.38%▲ from 6.25%
  • Sep 27, 20266.25%▲ from 6.17%
  • Sep 14, 20266.17%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
11100 Weymouth Ct, Charlotte Hall, MD, 20603
Federal VA 30 Year Fixed Rate
30 Year
6.50%
6.519%
View
▼
Rate6.50%
APR6.519%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.52% APR · checked 6 times
6.02%6.52%7.02%Sep 14, 2026: 6.52% APRSep 14, 2026Oct 6, 2026
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
130 Griffin Bell Dr, Clarksville, KY, 37040 1620
VA Home Loan
6.52%
View
▼
Rate
APR6.52%
Points0.000
UpdatedOct 4, 2026
Details

As Low As; VA Home Loan Rates

Rate History
3 changes since Sep 20, 2026 · 6.25% → 6.52% ▲ 0.27 pts · high 6.52% / low 6.25%
5.75%6.39%7.02%Sep 20, 2026: 6.25% APRSep 25, 2026: 6.51% APROct 2, 2026: 6.49% APROct 4, 2026: 6.52% APRSep 20, 2026Oct 6, 2026
  • Oct 4, 20266.52%▲ from 6.49%
  • Oct 2, 20266.49%▼ from 6.51%
  • Sep 25, 20266.51%▲ from 6.25%
  • Sep 20, 20266.25%first recorded
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
100 Chapman Farm Blvd, Beloit, WI, 53105
VA Mortgage Products - 15-year Fixed
15-year
6.50%
6.585%
View
▼
Rate6.50%
APR6.585%
Points0.000
UpdatedOct 2, 2026
Details

No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.

Rate History
3 changes since Sep 14, 2026 · 6.08% → 6.59% ▲ 0.50 pts · high 6.59% / low 6.08%
5.58%6.33%7.09%Sep 14, 2026: 6.08% APRSep 18, 2026: 6.21% APROct 1, 2026: 6.46% APROct 2, 2026: 6.59% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.59%▲ from 6.46%
  • Oct 1, 20266.46%▲ from 6.21%
  • Sep 18, 20266.21%▲ from 6.08%
  • Sep 14, 20266.08%first recorded
Advantage One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
11153 Telegraph Rd, Brownstown, MI, 48134
VA Fixed-Rate Mortgage
15-Year
6.00%
6.602%
View
▼
Rate6.00%
APR6.602%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.60% APR · checked 6 times
6.10%6.60%7.10%Sep 14, 2026: 6.60% APRSep 14, 2026Oct 6, 2026
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC, 27870
FHA/VA Loan
30 years
6.375%
6.615%
View
▼
Rate6.375%
APR6.615%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
1 change since Sep 15, 2026 · 6.65% → 6.62% ▼ 0.04 pts · high 6.65% / low 6.62%
6.12%6.63%7.15%Sep 15, 2026: 6.65% APRSep 27, 2026: 6.62% APRSep 15, 2026Oct 6, 2026
  • Sep 27, 20266.62%▼ from 6.65%
  • Sep 15, 20266.65%first recorded
Advantage One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
11153 Telegraph Rd, Brownstown, MI, 48134
VA Fixed-Rate Mortgage
30-Year
6.25%
6.616%
View
▼
Rate6.25%
APR6.616%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.62% APR · checked 6 times
6.12%6.62%7.12%Sep 14, 2026: 6.62% APRSep 14, 2026Oct 6, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1020 E 800 N, Bluffdale, ID, 83402
15 Year Fixed VA Mortgage
15 Year
6.125%
6.666%
View
▼
Rate6.125%
APR6.666%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.67% APR · checked 2 times
6.17%6.67%7.17%Sep 14, 2026: 6.67% APRSep 14, 2026Oct 6, 2026
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1000 Plaza Dr, Anderson, CA, 95603 2502
VA Fixed Rate Mortgage (15-Year)
6.50%
6.67%
View
▼
Rate6.50%
APR6.67%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
2 changes since Sep 18, 2026 · 6.80% → 6.67% ▼ 0.13 pts · high 7.18% / low 6.67%
6.16%6.93%7.69%Sep 18, 2026: 6.80% APRSep 22, 2026: 7.18% APROct 2, 2026: 6.67% APRSep 18, 2026Oct 6, 2026
  • Oct 2, 20266.67%▼ from 7.18%
  • Sep 22, 20267.18%▲ from 6.80%
  • Sep 18, 20266.80%first recorded
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
11400 AL Highway 157, Albertville, AL, 35055
Home - 30 Year VA Loan
30 Year
6.25%
6.672%
View
▼
Rate6.25%
APR6.672%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.67% APR · checked 5 times
6.17%6.67%7.17%Sep 14, 2026: 6.67% APRSep 14, 2026Oct 6, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
322 Buck Dr, Reno, NV, 89436 7731
VA 30 Year Fixed
6.125%
6.693%
View
▼
Rate6.125%
APR6.693%
Points1.000
UpdatedOct 4, 2026
Details

100% LTV

Rate History
No change since Sep 12, 2026 · 6.69% APR · checked 5 times
6.19%6.69%7.19%Sep 12, 2026: 6.69% APRSep 12, 2026Oct 6, 2026
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 W Main St, Auburn, MA, 01420 4327
5/1 Fixed Variable ARM
6.50%
6.693%
View
▼
Rate6.50%
APR6.693%
Points0.000
UpdatedOct 5, 2026
Details

Adjustable Rate Mortgages

Rate History
2 changes since Sep 14, 2026 · 6.26% → 6.69% ▲ 0.43 pts · high 6.69% / low 6.26%
5.76%6.48%7.19%Sep 14, 2026: 6.26% APRSep 17, 2026: 6.39% APRSep 25, 2026: 6.69% APRSep 14, 2026Oct 6, 2026
  • Sep 25, 20266.69%▲ from 6.39%
  • Sep 17, 20266.39%▲ from 6.26%
  • Sep 14, 20266.26%first recorded
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
1055 W Mercury Blvd, Carrollton, NC, 23060 5814
Mortgage - VA Loan
30 years
6.50%
6.71%
View
▼
Rate6.50%
APR6.71%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 24, 2026 · 6.71% APR · checked 4 times
6.21%6.71%7.21%Sep 24, 2026: 6.71% APRSep 24, 2026Oct 6, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Bakersfield, CA, 20190 5919
5/6 ARM Jumbo 30-Year Variable
30-Year
6.625%
6.751%
View
▼
Rate6.625%
APR6.751%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 17, 2026 · 6.53% → 6.75% ▲ 0.23 pts · high 6.75% / low 6.53%
6.03%6.64%7.25%Sep 17, 2026: 6.53% APROct 5, 2026: 6.75% APRSep 17, 2026Oct 6, 2026
  • Oct 5, 20266.75%▲ from 6.53%
  • Sep 17, 20266.53%first recorded
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
223 Main St, Bradford, VT, 05033
Veterans Administration (VA) Loan
15 years
6.125%
6.767%
View
▼
Rate6.125%
APR6.767%
Points0.000
UpdatedOct 3, 2026
Details

Max LTV: 100%

Rate History
No change since Sep 15, 2026 · 6.77% APR · checked 8 times
6.27%6.77%7.27%Sep 15, 2026: 6.77% APRSep 15, 2026Oct 6, 2026
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
110 International Way, Albany, OR, 97210
30 Year VA Manufactured Home (no homes on rented land) Loan
6.50%
6.79%
View
▼
Rate6.50%
APR6.79%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.41% → 6.79% ▲ 0.38 pts · high 6.79% / low 6.41%
5.91%6.60%7.29%Sep 14, 2026: 6.41% APRSep 18, 2026: 6.79% APRSep 14, 2026Oct 6, 2026
  • Sep 18, 20266.79%▲ from 6.41%
  • Sep 14, 20266.41%first recorded
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
110 International Way, Albany, OR, 97210
Current Mortgage - 30 Year VA
6.50%
6.79%
View
▼
Rate6.50%
APR6.79%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Sep 29, 2026 · 6.79% APR · checked 2 times
6.29%6.79%7.29%Sep 29, 2026: 6.79% APRSep 29, 2026Oct 6, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Bakersfield, CA, 20190 5919
5/6 ARM 30-Year Variable
5 months
6.625%
6.794%
View
▼
Rate6.625%
APR6.794%
Points0.000
UpdatedOct 5, 2026
Details

Term: 5/6 ARM 30-Year Variable

Rate History
4 changes since Sep 18, 2026 · 6.57% → 6.79% ▲ 0.23 pts · high 6.84% / low 6.57%
6.07%6.71%7.34%Sep 18, 2026: 6.57% APRSep 25, 2026: 6.74% APRSep 29, 2026: 6.79% APROct 2, 2026: 6.84% APROct 5, 2026: 6.79% APRSep 18, 2026Oct 6, 2026
  • Oct 5, 20266.79%▼ from 6.84%
  • Oct 2, 20266.84%▲ from 6.79%
  • Sep 29, 20266.79%▲ from 6.74%
  • Sep 25, 20266.74%▲ from 6.57%
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Bakersfield, CA, 20190 5919
7/6 ARM Jumbo 30-Year Variable
30-Year
6.75%
6.801%
View
▼
Rate6.75%
APR6.801%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 17, 2026 · 6.55% → 6.80% ▲ 0.25 pts · high 6.80% / low 6.55%
6.05%6.67%7.30%Sep 17, 2026: 6.55% APROct 5, 2026: 6.80% APRSep 17, 2026Oct 6, 2026
  • Oct 5, 20266.80%▲ from 6.55%
  • Sep 17, 20266.55%first recorded
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 W Main St, Auburn, MA, 01420 4327
7/1 Fixed Variable ARM
6.625%
6.82%
View
▼
Rate6.625%
APR6.82%
Points0.000
UpdatedOct 5, 2026
Details

Adjustable Rate Mortgages

Rate History
2 changes since Sep 14, 2026 · 6.39% → 6.82% ▲ 0.43 pts · high 6.82% / low 6.39%
5.89%6.60%7.32%Sep 14, 2026: 6.39% APRSep 17, 2026: 6.51% APRSep 25, 2026: 6.82% APRSep 14, 2026Oct 6, 2026
  • Sep 25, 20266.82%▲ from 6.51%
  • Sep 17, 20266.51%▲ from 6.39%
  • Sep 14, 20266.39%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
100 Northpark Blvd # B1302A, Bakersfield, CA, 20190 5919
7/6 ARM 30-Year Variable
7 months
6.75%
6.844%
View
▼
Rate6.75%
APR6.844%
Points0.000
UpdatedOct 5, 2026
Details

Term: 7/6 ARM 30-Year Variable

Rate History
4 changes since Sep 18, 2026 · 6.59% → 6.84% ▲ 0.26 pts · high 6.91% / low 6.59%
6.09%6.75%7.41%Sep 18, 2026: 6.59% APRSep 25, 2026: 6.78% APRSep 29, 2026: 6.84% APROct 2, 2026: 6.91% APROct 5, 2026: 6.84% APRSep 18, 2026Oct 6, 2026
  • Oct 5, 20266.84%▼ from 6.91%
  • Oct 2, 20266.91%▲ from 6.84%
  • Sep 29, 20266.84%▲ from 6.78%
  • Sep 25, 20266.78%▲ from 6.59%
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Riverchase Pkwy S, Birmingham, AL, 35023 1668
30-Year VA Fixed
6.50%
6.868%
View
▼
Rate6.50%
APR6.868%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.63% → 6.87% ▲ 0.24 pts · high 6.87% / low 6.63%
6.13%6.75%7.37%Sep 14, 2026: 6.63% APRSep 18, 2026: 6.87% APRSep 14, 2026Oct 6, 2026
  • Sep 18, 20266.87%▲ from 6.63%
  • Sep 14, 20266.63%first recorded
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ, 78288
VA purchase loan
6.50%
6.897%
View
▼
Rate6.50%
APR6.897%
Points0.869
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 6.90% APR · checked 2 times
6.40%6.90%7.40%Oct 1, 2026: 6.90% APROct 1, 2026Oct 6, 2026
Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
100 Chapman Farm Blvd, Beloit, WI, 53105
VA Mortgage Products - 30-year Fixed
30-year
6.875%
6.928%
View
▼
Rate6.875%
APR6.928%
Points0.000
UpdatedOct 2, 2026
Details

No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. No down payment required.

Rate History
3 changes since Sep 14, 2026 · 6.43% → 6.93% ▲ 0.50 pts · high 6.93% / low 6.43%
5.92%6.68%7.43%Sep 14, 2026: 6.43% APRSep 18, 2026: 6.55% APROct 1, 2026: 6.80% APROct 2, 2026: 6.93% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20266.93%▲ from 6.80%
  • Oct 1, 20266.80%▲ from 6.55%
  • Sep 18, 20266.55%▲ from 6.43%
  • Sep 14, 20266.43%first recorded
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ, 78288
VA jumbo purchase loan
6.625%
6.975%
View
▼
Rate6.625%
APR6.975%
Points0.835
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 6.98% APR · checked 2 times
6.48%6.98%7.48%Oct 1, 2026: 6.98% APROct 1, 2026Oct 6, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
1002 Crossings Blvd, Brentwood, TN, 37027
VA 30 Year Fixed Rate
6.875%
6.993%
View
▼
Rate6.875%
APR6.993%
Points0.000
UpdatedOct 4, 2026
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 17, 2026: 6.99% APRSep 17, 2026Oct 6, 2026
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
1055 W Mercury Blvd, Carrollton, NC, 23060 5814
40 Year Variable Line of Credit
7.00%
View
▼
Rate
APR7.00%
Points0.000
UpdatedOct 2, 2026
Details

As Low As

Rate History
No change since Oct 2, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 2, 2026: 7.00% APROct 2, 2026Oct 6, 2026
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1100 8th Ave, Alburnett, IA, 52202
VA loan
7.00%
7.00%
View
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedOct 2, 2026
Details

Rates unchanged since October 1, 2026. Actual rate may be higher based on credit history, occupancy, LTV and loan type. No discount points. The rates provided assume the purpose of the loan is to purchase a single family residence that will be used as a primary residence.

Rate History
2 changes since Sep 15, 2026 · 6.00% → 7.00% ▲ 1.00 pts · high 7.00% / low 6.00%
5.00%6.50%8.00%Sep 15, 2026: 6.00% APRSep 24, 2026: 6.50% APROct 1, 2026: 7.00% APRSep 15, 2026Oct 6, 2026
  • Oct 1, 20267.00%▲ from 6.50%
  • Sep 24, 20266.50%▲ from 6.00%
  • Sep 15, 20266.00%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
1001 S 1200 W, Albuquerque, AZ, 83440
Lot Loan- 10 Year Variable
6.49%
7.008%
View
▼
Rate6.49%
APR7.008%
Points0.000
UpdatedOct 5, 2026
Details

Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply.

Rate History
No change since Sep 14, 2026 · 7.01% APR · checked 7 times
6.51%7.01%7.51%Sep 14, 2026: 7.01% APRSep 14, 2026Oct 6, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1 Mount Baldy Dr, Aurora, CO, 80011 7809
VA 30-Year Fixed
6.75%
7.02%
View
▼
Rate6.75%
APR7.02%
Points0.000
UpdatedOct 2, 2026
Details

Origination Fee: 0%

Rate History
3 changes since Sep 14, 2026 · 6.51% → 7.02% ▲ 0.51 pts · high 7.15% / low 6.51%
5.87%6.83%7.79%Sep 14, 2026: 6.51% APRSep 27, 2026: 7.02% APROct 1, 2026: 7.15% APROct 2, 2026: 7.02% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.02%▼ from 7.15%
  • Oct 1, 20267.15%▲ from 7.02%
  • Sep 27, 20267.02%▲ from 6.51%
  • Sep 14, 20266.51%first recorded
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
223 Main St, Bradford, VT, 05033
Veterans Administration (VA) Loan
30 years
6.625%
7.023%
View
▼
Rate6.625%
APR7.023%
Points0.000
UpdatedOct 3, 2026
Details

Max LTV: 100%

Rate History
No change since Sep 15, 2026 · 7.02% APR · checked 8 times
6.52%7.02%7.52%Sep 15, 2026: 7.02% APRSep 15, 2026Oct 6, 2026
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1 IKEA RBFCU Parkway, Allen, TX, 75002
VA Mortgage
15 years
6.375%
7.049%
View
▼
Rate6.375%
APR7.049%
Points0.000
UpdatedOct 4, 2026
Details

As Low As; VA Mortgage

Rate History
3 changes since Sep 14, 2026 · 6.28% → 7.05% ▲ 0.77 pts · high 7.05% / low 6.28%
5.51%6.66%7.82%Sep 14, 2026: 6.28% APRSep 20, 2026: 6.41% APRSep 25, 2026: 6.79% APROct 2, 2026: 7.05% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.05%▲ from 6.79%
  • Sep 25, 20266.79%▲ from 6.41%
  • Sep 20, 20266.41%▲ from 6.28%
  • Sep 14, 20266.28%first recorded
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1000 Plaza Dr, Anderson, CA, 95603 2502
VA Fixed Rate Mortgage (30-Year)
6.875%
7.05%
View
▼
Rate6.875%
APR7.05%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
3 changes since Sep 18, 2026 · 6.92% → 7.05% ▲ 0.13 pts · high 7.56% / low 6.92%
6.28%7.24%8.20%Sep 18, 2026: 6.92% APRSep 22, 2026: 7.05% APRSep 27, 2026: 7.56% APROct 2, 2026: 7.05% APRSep 18, 2026Oct 6, 2026
  • Oct 2, 20267.05%▼ from 7.56%
  • Sep 27, 20267.56%▲ from 7.05%
  • Sep 22, 20267.05%▲ from 6.92%
  • Sep 18, 20266.92%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1020 E 800 N, Bluffdale, ID, 83402
30 Year Fixed VA Mortgage
30 Year
6.75%
7.051%
View
▼
Rate6.75%
APR7.051%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.64% → 7.05% ▲ 0.41 pts · high 7.05% / low 6.64%
6.14%6.85%7.55%Sep 14, 2026: 6.64% APROct 5, 2026: 7.05% APRSep 14, 2026Oct 6, 2026
  • Oct 5, 20267.05%▲ from 6.64%
  • Sep 14, 20266.64%first recorded
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1100 Corporate Center Dr Ste 101, Cerritos, CA, 90703
VA 30 Yr Fixed
30 years
7.00%
7.074%
View
▼
Rate7.00%
APR7.074%
Points0.000
UpdatedOct 5, 2026
Details

Government

Rate History
1 change since Sep 29, 2026 · 7.33% → 7.07% ▼ 0.25 pts · high 7.33% / low 7.07%
6.57%7.20%7.83%Sep 29, 2026: 7.33% APROct 5, 2026: 7.07% APRSep 29, 2026Oct 6, 2026
  • Oct 5, 20267.07%▼ from 7.33%
  • Sep 29, 20267.33%first recorded
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
175 N Clovis Ave, Clovis, CA, 93612 0304
VA 30 Yr Fixed
30 years
7.00%
7.094%
View
▼
Rate7.00%
APR7.094%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Oct 2, 2026 · 7.22% → 7.09% ▼ 0.13 pts · high 7.22% / low 7.09%
6.59%7.16%7.72%Oct 2, 2026: 7.22% APROct 5, 2026: 7.09% APROct 2, 2026Oct 6, 2026
  • Oct 5, 20267.09%▼ from 7.22%
  • Oct 2, 20267.22%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Madison, MD, 20850 3312
VA Mortgage
30 Year
7.099%
View
▼
Rate
APR7.099%
Points0.000
UpdatedOct 5, 2026
Details

Published APR range: 7.099% / 7.342%.

Rate History
4 changes since Sep 18, 2026 · 7.11% → 7.10% ▼ 0.01 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 18, 2026: 7.11% APRSep 25, 2026: 7.25% APRSep 29, 2026: 7.00% APROct 2, 2026: 7.25% APROct 5, 2026: 7.10% APRSep 18, 2026Oct 6, 2026
  • Oct 5, 20267.10%▼ from 7.25%
  • Oct 2, 20267.25%▲ from 7.00%
  • Sep 29, 20267.00%▼ from 7.25%
  • Sep 25, 20267.25%▲ from 7.11%
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1115 Sagamore Pkwy S, Covington, IN, 46041
Mortgage - VA Loan
30 Year
7.10%
View
▼
Rate
APR7.10%
Points0.000
UpdatedOct 5, 2026
Details

As Low As; (30-year rate shown); * Rates are subject to change without notice.

Rate History
2 changes since Sep 17, 2026 · 6.48% → 7.10% ▲ 0.63 pts · high 7.10% / low 6.48%
5.85%6.79%7.73%Sep 17, 2026: 6.48% APRSep 25, 2026: 6.85% APROct 5, 2026: 7.10% APRSep 17, 2026Oct 6, 2026
  • Oct 5, 20267.10%▲ from 6.85%
  • Sep 25, 20266.85%▲ from 6.48%
  • Sep 17, 20266.48%first recorded
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
10222 E Harry St, Derby, KS, 66502 3469
Flexible Rate Mortgages (FRM) - 30 Year VA
30 Year
7.00%
7.119%
View
▼
Rate7.00%
APR7.119%
Points0.000
UpdatedOct 2, 2026
Details

Down Payment: 0.00%; Loan Amount: $250,000.00; LTV: 100.00%

Rate History
3 changes since Sep 14, 2026 · 6.49% → 7.12% ▲ 0.63 pts · high 7.12% / low 6.49%
5.86%6.80%7.75%Sep 14, 2026: 6.49% APRSep 18, 2026: 6.74% APRSep 21, 2026: 6.87% APRSep 29, 2026: 7.12% APRSep 14, 2026Oct 6, 2026
  • Sep 29, 20267.12%▲ from 6.87%
  • Sep 21, 20266.87%▲ from 6.74%
  • Sep 18, 20266.74%▲ from 6.49%
  • Sep 14, 20266.49%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
1012 Yellowstone Ave, Albuquerque, AZ, 59105
Today's Mortgage - 15-year VA Loan
15 years
6.625%
7.13%
View
▼
Rate6.625%
APR7.13%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.00% → 7.13% ▲ 0.13 pts · high 7.13% / low 7.00%
6.50%7.07%7.63%Sep 14, 2026: 7.00% APRSep 17, 2026: 7.13% APRSep 14, 2026Oct 6, 2026
  • Sep 17, 20267.13%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1400 Riverwood Dr, Bloomington, MN, 53110 2611
VA 30-Year Fixed
7.00%
7.144%
View
▼
Rate7.00%
APR7.144%
Points0.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.52% → 7.14% ▲ 0.62 pts · high 7.14% / low 6.52%
5.90%6.83%7.77%Sep 14, 2026: 6.52% APRSep 18, 2026: 6.65% APRSep 22, 2026: 6.65% APRSep 27, 2026: 7.13% APROct 1, 2026: 7.12% APROct 2, 2026: 7.14% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.14%▲ from 7.12%
  • Oct 1, 20267.12%▼ from 7.13%
  • Sep 27, 20267.13%▲ from 6.65%
  • Sep 22, 20266.65%▼ from 6.65%
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
15100 N May Ave, Edmond, OK, 73013 8803
Mortgage - VA 30 Year Loan
30 years
6.875%
7.15%
View
▼
Rate6.875%
APR7.15%
Points0.000
UpdatedOct 6, 2026
Details

No additional details available.

Rate History
1 change since Sep 30, 2026 · 7.07% → 7.15% ▲ 0.08 pts · high 7.15% / low 7.07%
6.57%7.11%7.65%Sep 30, 2026: 7.07% APROct 2, 2026: 7.15% APRSep 30, 2026Oct 6, 2026
  • Oct 2, 20267.15%▲ from 7.07%
  • Sep 30, 20267.07%first recorded
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
1033 N Buckner St, Augusta, KS, 67010
VA 30 Year Fixed
VA 30 Year Fixed
7.00%
7.155%
View
▼
Rate7.00%
APR7.155%
Points0.000
UpdatedOct 3, 2026
Details

No additional details available.

Rate History
No change since Oct 3, 2026 · 7.16% APR
6.66%7.16%7.66%Oct 3, 2026: 7.16% APROct 3, 2026Oct 6, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
1800 Barrs St, Hammond, FL, 32202
VA 30 year fixed
7.00%
7.176%
View
▼
Rate7.00%
APR7.176%
Points0.500
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 7.00% → 7.18% ▲ 0.18 pts · high 7.18% / low 7.00%
6.50%7.09%7.68%Sep 14, 2026: 7.00% APROct 5, 2026: 7.18% APRSep 14, 2026Oct 6, 2026
  • Oct 5, 20267.18%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
1400 W Raymond St, Indianapolis, IN, 46202
VA Loan Purchase - 15-Year Fixed
180 months
6.50%
7.183%
View
▼
Rate6.50%
APR7.183%
Points1.875
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 7.18% APR
6.68%7.18%7.68%Oct 5, 2026: 7.18% APROct 5, 2026Oct 6, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
1012 Yellowstone Ave, Albuquerque, AZ, 59105
Today's Mortgage - 30-year VA Loan
30 years
6.875%
7.188%
View
▼
Rate6.875%
APR7.188%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 6.81% → 7.19% ▲ 0.38 pts · high 7.19% / low 6.81%
6.31%7.00%7.69%Sep 14, 2026: 6.81% APRSep 25, 2026: 7.19% APROct 2, 2026: 7.06% APROct 5, 2026: 7.19% APRSep 14, 2026Oct 6, 2026
  • Oct 5, 20267.19%▲ from 7.06%
  • Oct 2, 20267.06%▼ from 7.19%
  • Sep 25, 20267.19%▲ from 6.81%
  • Sep 14, 20266.81%first recorded
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
118 W Main St, Auburn, MA, 01420 4327
7/3 Fixed Variable ARM
6.875%
7.193%
View
▼
Rate6.875%
APR7.193%
Points0.000
UpdatedOct 5, 2026
Details

Adjustable Rate Mortgages

Rate History
3 changes since Sep 14, 2026 · 6.63% → 7.19% ▲ 0.56 pts · high 7.19% / low 6.63%
6.07%6.91%7.75%Sep 14, 2026: 6.63% APRSep 17, 2026: 6.76% APRSep 25, 2026: 7.13% APROct 2, 2026: 7.19% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.19%▲ from 7.13%
  • Sep 25, 20267.13%▲ from 6.76%
  • Sep 17, 20266.76%▲ from 6.63%
  • Sep 14, 20266.63%first recorded
OKLAHOMAS
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
15100 N May Ave, Edmond, OK, 73013 8803
Mortgage - VA 15 Year Loan
15 Year
6.75%
7.194%
View
▼
Rate6.75%
APR7.194%
Points0.000
UpdatedOct 6, 2026
Details

No additional details available.

Rate History
1 change since Sep 30, 2026 · 7.07% → 7.19% ▲ 0.12 pts · high 7.19% / low 7.07%
6.57%7.13%7.69%Sep 30, 2026: 7.07% APROct 2, 2026: 7.19% APRSep 30, 2026Oct 6, 2026
  • Oct 2, 20267.19%▲ from 7.07%
  • Sep 30, 20267.07%first recorded
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
1221 Hewitt Dr, Belton, TX, 76501 7603
VA 15-year Fixed Purchase
180 months
6.75%
7.20%
View
▼
Rate6.75%
APR7.20%
Points1.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.41% → 7.20% ▲ 0.79 pts · high 7.24% / low 6.41%
5.58%6.83%8.07%Sep 14, 2026: 6.41% APRSep 18, 2026: 7.06% APRSep 27, 2026: 7.14% APROct 1, 2026: 7.24% APROct 2, 2026: 7.20% APRSep 14, 2026Oct 6, 2026
  • Oct 2, 20267.20%▼ from 7.24%
  • Oct 1, 20267.24%▲ from 7.14%
  • Sep 27, 20267.14%▲ from 7.06%
  • Sep 18, 20267.06%▲ from 6.41%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
10588 S Redwood Rd, Bountiful, UT, 84010 7278
Mortgage - 30-Year VA Loan
30 years
6.875%
7.209%
View
▼
Rate6.875%
APR7.209%
Points0.000
UpdatedOct 5, 2026
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 7.21% APR
6.71%7.21%7.71%Oct 5, 2026: 7.21% APROct 5, 2026Oct 6, 2026
Northwest Bank (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1 N 6th St, Afton, IA, 50010
VA 30 Year Fixed
30 Year
7.00%
7.213%
View
▼
Rate7.00%
APR7.213%
Points1.000
UpdatedOct 2, 2026
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 7.21% APR · checked 2 times
6.71%7.21%7.71%Oct 1, 2026: 7.21% APROct 1, 2026Oct 6, 2026
The refinance rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Outside the Refinance Products tab, the rate shown is the lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Your final approved rate will depend on your credit history, credit score, loan amount, loan-to-value ratio, and whether you take cash out.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

Mortgage Refinance Rate Trends

Daily averages of posted first-mortgage rates across our lender network, updated every evening. Most lenders apply the same rate to purchase and refinance loans, so this is the benchmark a refinance quote should be measured against, plus roughly 0.180 points at lenders that price refinances separately.

View Full Mortgage Rate Trends
30-Year Fixed, National Avg
7.340%
▼ 0.004 from last week

The national 30-year fixed average mortgage rate fell 0.004 points this week to 7.340%, according to MonitorBankRates trend data.

15-Year Fixed, National Avg
6.850%
▲ 0.004 from last week

The national 15-year fixed average mortgage rate rose 0.004 points this week to 6.850%, according to MonitorBankRates trend data.

As of Oct 6, 2026 • Rate data sourced from our monitored institution network

Mortgage Refinance Rate Forecast, Next 12 Months

Where are U.S. refinance rates headed through October 2027?

Based on Fed funds rate futures, 10-year Treasury yield path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.

Current Avg, 30-Year Fixed
7.340%
30-Year Fixed
6-Month Forecast
7.340%
Range: 6.99% – 7.64%
12-Month Forecast
7.590%
Range: 7.24% – 7.89%
12-Mo Payment Chg.
+$42/mo
vs. today on U.S. median home

What Forecast Rates Mean for Homeowners Refinancing

Monthly principal & interest on U.S. median home of $303,400 with 20% down, 30-year fixed (U.S. Census Bureau)

Scenario Rate Mo. Payment vs. Today % of Income
Today (current avg) 7.340% $1,671 — 24.8%
6-Month Forecast 7.340% (6.99–7.64%) $1,671 +$0/mo 24.8%
12-Month Forecast 7.590% (7.24–7.89%) $1,712 +$42/mo 25.4%

Income column = annual mortgage payment as % of U.S. median household income ($80,734). Above 30% is generally considered cost-burdened.

Projections based on Fed funds futures and mortgage-to-fed-funds spread model. Not a guarantee of future rates.

What Homeowners Actually Pay to Refinance

Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings

Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed, by state.

Refinance Premium
+0.180 pts
vs. same lender's purchase rate (14 lender pairs)
Sources: MonitorBankRates lender rate feed (refinance premium)

Refinance Break-Even Calculator

Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current U.S. rate on the right to test it instantly.

New Monthly P&I
$0
now $0
Monthly Savings
$0
Break-Even
0 mo

Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.

Current Refinance Rates

Lowest verified rate per loan type · click to test it as your new rate
Lowest verified rate per loan type across our lender network. ARM rates apply for the initial fixed period only.

Run the Numbers on Your Refinance

The rate is only part of the decision. Use these calculators to turn current home refinance rates into monthly savings, break-even months, and total interest before you talk to a lender.

Refinance Calculator

Enter your current rate, remaining balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, monthly savings, and the break-even point, the number of months it takes for your savings to cover closing costs.

Calculate
Mortgage Payment Calculator

Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.

Calculate
Home Equity vs. Cash-Out Refinance

If your goal is cash rather than a lower rate, compare current home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.

Compare
Home Affordability Calculator

Tell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.

Calculate

Types of Refinance Loans

Homeowners can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.

Rate-and-Term Refinance

The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every lender because the loan-to-value ratio does not rise.

Best for homeowners whose rate is at least half a point above today’s average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.

Cash-Out Refinance

A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.

If you hold a low rate from 2020 to 2022, a home equity loan or HELOC usually costs less than refinancing the whole balance at today’s rate to pull out cash.

FHA Streamline Refinance

For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.

The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.

VA IRRRL (Streamline Refinance)

The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.

The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders quote IRRRL pricing separately, so ask for it by name.

USDA Streamlined-Assist Refinance

For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.

Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.

Jumbo Refinance

The 2026 FHFA conforming baseline is $832,750 for most counties, higher in designated high-cost areas. A refinance above the county limit is a jumbo loan, priced and underwritten lender by lender.

Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our refinance rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Refinance Rate Data: We aggregate mortgage and refinance rates directly from the official websites of lenders, banks, and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Where a lender publishes a product specifically for refinancing, it appears in the Refinance Products tab; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.

Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products across the country. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national online lenders.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage and refinance rates daily. Because mortgage rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own specific “last updated” date for full transparency.

Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you are comparing rates from secure, reliable lenders.

Frequently Asked Questions about Mortgage Refinance Rates

What are home loan refinance rates today?

Home loan refinance rates, also called mortgage refinance rates or home refinance rates, are the rates lenders charge to replace your current mortgage. Mortgage refinance rates range from 4.50% (5/1 ARM) to 7.38% (FHA), verified by MonitorBankRates as of October 6, 2026. Current mortgage refinance rates include USE Federal Credit Union2705 NW EXPRESSWAY, Dallas, OK, 73112 7047A+5.0 ★Texas Ratio: 0.79% (ARM (Adjustable Rate Mortgage) Cash-Out) at 5.125%, Sharon And Crescent United Credit Union100 Forbes Blvd, Brockton, MA, 02032 1018A+5.0 ★Texas Ratio: 2.19% (Refinance Your Mortgage - On The House - 5/5 ARM) at 5.50%, Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA, 24012 7209A+5.0 ★Texas Ratio: 1.80% (Mortgage Loans - 7/1 ARM - 30 Year Fixed Refinance) at 5.875%, A+ Federal Credit Union1000 S Mays St, Austin, TX, 76548 1745A5.0 ★Texas Ratio: 11.13% (Mortgage Refinance - 5/5 ARM Refinance) at 6.00%, and Tropical Financial Credit Union10510 N Kendall Dr, Coral Springs, FL, 33025A5.0 ★Texas Ratio: 6.93% (Mortgage - 5/6 ARM refi (variable rate)) at 6.00%.

Are refinance rates higher than purchase mortgage rates?

Usually only slightly. Among lenders that post separate purchase and refinance pricing, refinance rates currently run about 0.180 percentage points above the same lender's purchase rate. Most banks and credit unions quote one rate for both purchase and refinance loans. Cash-out refinances and investment property refinances are typically priced higher than rate-and-term refinances.

When does refinancing make sense?

Refinancing makes sense when the monthly savings from a lower rate recover the closing costs before you expect to sell or pay off the loan. That point is called the break-even. If closing costs are $4,000 and the new loan saves $150 a month, break-even is about 27 months. Refinancing can also make sense to drop mortgage insurance, move from an adjustable rate to a fixed rate, or shorten the term.

How soon can I refinance a mortgage?

Conventional rate-and-term refinances generally have no waiting period, though many lenders require six months of payment history. Cash-out refinances usually require you to have owned the home for at least six to twelve months. FHA Streamline refinances require 210 days since the first payment and six on-time payments, and VA IRRRL refinances require 210 days and six payments as well.

What is a rate-and-term refinance?

A rate-and-term refinance replaces your current mortgage with a new loan for roughly the same balance, changing only the interest rate, the term, or both. It is the most common type of refinance and typically carries the lowest rate of any refinance product.

What is a cash-out refinance?

A cash-out refinance replaces your mortgage with a larger loan and pays you the difference in cash at closing. Most lenders cap the new loan at 80 percent of the home's value for conventional loans (90 percent for VA). Because the loan balance rises, cash-out rates run higher than rate-and-term refinance rates. A home equity loan or HELOC can be a cheaper way to borrow a smaller amount without giving up a low existing first mortgage rate.

Does refinancing reset my 30-year term?

Only if you choose a new 30-year loan. Many lenders offer 10-, 15-, 20-, and 25-year refinance terms, and some offer custom terms that match your remaining years. Refinancing into a shorter term at a lower rate can cut total interest substantially even when the monthly payment stays about the same.

What are typical refinance closing costs?

Refinance closing costs generally run two to five percent of the loan amount and include origination fees, appraisal, title search and lender's title insurance, recording fees, and prepaid interest. Some lenders offer no-closing-cost refinances that fold the fees into a slightly higher rate, which can be worthwhile if you expect to move or refinance again within a few years.

What is the difference between interest rate and APR on a refinance?

The interest rate is the cost of borrowing the principal. The APR includes the interest rate plus lender fees and points, so it is the better number for comparing two refinance offers with different fee structures.

Should I lock my refinance rate?

If the quoted rate meets your break-even target and you are ready to close, locking protects you if rates rise during processing. Most refinance rate locks run 30 to 60 days. Ask whether the lender offers a float-down option in case rates fall after you lock.

How do I find the best refinance lender?

Compare rates and APRs from local banks, credit unions, and online lenders using the tables on this page, then open your state page and request loan estimates from at least three. Credit unions often post the lowest refinance rates for members, and the lender that already services your loan sometimes waives fees to keep it.

What are the best mortgage refinance rates today?

  • USE Federal Credit Union: 5.125% (ARM (Adjustable Rate Mortgage) Cash-Out)
  • Sharon And Crescent United Credit Union: 5.50% (Refinance Your Mortgage - On The House - 5/5 ARM)
  • Beacon Credit Union Incorporated: 5.875% (Mortgage Loans - 7/1 ARM - 30 Year Fixed Refinance)
  • A+ Federal Credit Union: 6.00% (Mortgage Refinance - 5/5 ARM Refinance)
  • Tropical Financial Credit Union: 6.00% (Mortgage - 5/6 ARM refi (variable rate))
Refinance rates reflect actual verified offers posted by lenders. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 6, 2026

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