Best 15-Year Fixed Mortgage Rates Today - August 2026 | As Low As 4.75%
Brian McKay
Brian McKay
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Today's 15-year fixed mortgage market includes offers such as Iron Workers SBIron Workers SB100 Ridge Rd, Aston, PA 19014A+5.0 ★Texas Ratio: 0.01% offering 15 Year Fixed Rate at 5.12%, and Sikorsky Credit UnionSikorsky Credit Union1000 Oronoque Ln, Bridgeport, CT 06418 1326A+5.0 ★Texas Ratio: 1.09% offering 15 Yr. Fixed at 5.12%, and West Virginia Federal Credit UnionWest Virginia Federal Credit Union2355 Maccorkle Ave, Saint Albans, WV 25177 2008A+5.0 ★Texas Ratio: 2.47% offering 15 Year Fixed Rate at 4.99%, and JTNBJTNB12 Broadway, Jim Thorpe, PA 18229A+5.0 ★Texas Ratio: 0.68% offering Current Mortgage Rates - 15 Year Fixed at 5.25%, and Silver State Schools Credit UnionSilver State Schools Credit Union170 S Rainbow Blvd, Henderson, NV 89014A+5.0 ★Texas Ratio: 3.38% offering 15-Year Fixed at 5.25%.
A 15-year fixed mortgage dramatically accelerates your payoff timeline and slashes total interest paid compared to a 30-year loan — at the cost of a higher monthly payment. It is one of the most powerful wealth-building moves available to homeowners with stable income, allowing you to build equity faster and pay off your home in half the time.
15-Year Fixed Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers across the country. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: August 28, 2026
Compare 15-Year Fixed Mortgage Rates Today
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80% LTV
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Terms and Conditions
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Terms 15*, 30**
80% LTV; Per Thousand Borrowed $8.17
As low as
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Add .25% for loans less than $100,000. Based on 20% downpayment and/or 80% LTV, mortgage rates apply to owner occupied single family properties only. 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.
60 DAY LOCK; as low as
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Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 15 years
Last updated 08/26/2026
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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.
1 Point Option
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Conventional; Call Shannon at 816-324-1414 or Jessica at 816-279-5656. to help you with your mortgage loan!
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Interest Rate as low as
First Mortgage - Primary Residence Only
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Rate Lock: 120 days
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Fixed rates are based on loan amounts up to $806,500 and ARM rates up to $2,000,000 with a down payment of 20% and FHA fixed rates up to the maximum FHA county limit with a down payment of 3.50%. Monthly payment estimates do not include amounts for taxes, insurance and flood insurance (if applicable). The annual percentage rates (APR) displayed assume a loan amount of $150,000, 20% down and 30 days prepaid interest. You will incur additional closing costs. Prepaid finance charges, which are used in the calculation of the APR, are estimated to be $1,860 (these include the flood search, origination charge, discount points and closing service letter fee). The annual percentage rates (APR) does not include private mortgage insurance because the amount will vary depending upon your loan to value and other factors. Please contact us at 1-877-261-2820 or [email protected] to learn about how private mortgage insurance may affect your loan and other closing costs you will incur. Adjustable-rate loan interest rates may increase after loan closing.
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20% Down; Max. Loan Amount: See note 1
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0 Points Option
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80% Loan to Value
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APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance is required prior to closing. Rates effective 07/16/2026. APR is based on <= 90% loan to value. For limited cash out refinance or purchase.
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Payment Example: $2,471.20
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The information provided is based on a 15-year fixed mortgage and assumes the purpose is to refinance only the current outstanding balance, with no cash being received by the borrower. Estimates are based on the following loan parameters: Loan amount of $337,500.00 and an estimated property value of $450,000.00. No secondary financing. The property is located in Utah. The property is a single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. Variations to this scenario are available, but may impact rate, fees and Annual Percentage Rate(APR). Rates, fees and APR's may change without notice. Check with a Mountain America Credit Union loan officer for a personalized quote and individual scenarios. At a 5.625% interest rate, the fixed APR for this loan type is 5.838%. The monthly payment would be: 179 payments of $2,780.09 at an interest rate of 5.625% 1 payment of $2,781.33 at an interest rate of 5.625% The monthly payment amount displayed includes principal and interest. The payment does not include homeowner's insurance or property taxes. Actual terms and conditions may vary based on individual scenarios and creditworthiness.
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Finance up to 80% of the appraised property value.
As low as
Example Monthly Payments Primary Residence Fixed Rate Mortgage
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Payment Example: $1,647.46
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The information provided is for the purchase of an owner-occupied single-family residence with a loan amount of $400,000 and valued at $533,334. This is a Loan-to-Value of 75%, meaning the loan amount divided by the sales price (or appraised value, whichever is less). Loan level price adjustments may apply. The assumed credit score is 740. The payments would be: 360 payments of $2,334.29. 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. Subject to approval and creditworthiness of the applicant(s). Rates are subject to change without notice. Mortgage loans are available on properties here in Colorado, Arizona, New Mexico, Wyoming, Montana and Nebraska Must be owner occupied. Membership to Meritrust Credit Union is required.
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All rates are for single-family owner-occupied purchase or refinance. Conventional mortgage rates are based on credit scores of 620 and above. Rates can vary for extended rate lock terms. All rates, terms and conditions are subject to change without notice. Loans are subject to credit approval.
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Down Payment: 20%
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Rates are as of 8/25/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 20% minimum equity.
For other options with points, please call 610-485-2960 x751.
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Origination Point: 0.00%
Rate as low as 5.625%
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Rates as Low as*
Rate example based on loan amount of $400,000, with a 25% down payment.
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Dallas-Fort Worth-Arlington Metro market average : 6.162% APR
Payment Example: $823.73
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15-Year Payout
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No Closing Cost
Downpayment as low as: 5%; PMI:
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As Low As; Closing Fees: $4303.00
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As low as 6.000%
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As Low As
The rate is fixed for the first 5 years. After that the rate may vary annually and the payment may increase or decrease. Variable Rate may change on a quarterly basis and it is based on the Prime Rate as published on the Wall Street Journal plus margin with a floor rate of 4.00%. Homeowners/property insurance may be required.
This is A Limited Time Offer
Loan Amounts: Up To $250,000
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NMLS ID 411386
Comparison rate: Miami-Fort Lauderdale Metro Avg 6.183% APR. Save $7,492.
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Loan Amount: Any; As Low As
Example Monthly Payment Schedule: 180 Payments of $830.41
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Refinance
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Estimated Prepaid Finance Charges: $2,150; Loan Amount: $250,000; Down Payment: 20%; Monthly Principal & Interest Payment: $2,096.16
Loan limits up to $X
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Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount. Cost equals discount points paid. Payments are based upon a purchase transaction with a loan-to-value of 70%, 1-unit primary residence, and a credit score of 760 or higher. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Interest rates and payments may increase after consummation.
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.
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Rates are quoted on a 30-day lock option. For additional rates or program availability, please contact the Mortgage Department, at 254.774.5104 or to apply online, please visit our website at www.TexellHomeLoans.com (Opens in a new Window) . 1 Loans currently financed with Texell are not eligible for refinance.
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As Low As
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Rates as Low as*
Rates as Low as*
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Based on a $100,000 loan for the specified term
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Effective Date: August 25, 2026
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APR examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For loans less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.
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Mortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 08/14/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or [email protected] for a custom quote that's tailored to your needs.
Example Loan: $300,000
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As low as
Loan To Value (LTV): 95.00%; Maximum Limit: $400,000.00
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As Low As; Estimated Payment: $2,951.61 per month for 15 years
As Low As; Estimated Payment: $2,951.61 per month for 15 years
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
15-Year Fixed Mortgage Rate Trend
Daily average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.
The 15-year fixed rate rose 0.017 points over the past 7 days to 6.254%, up from 6.237% last week.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 15-year fixed mortgage rate on this page is sourced directly from the official website of the lending institution. Rates are tracked daily from both banks and credit unions.
Coast-to-Coast Lender Coverage: Our database monitors over 8,500 banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and online lenders. This breadth ensures you see competitive rates that many rate surveys miss.
Time-Stamped for Full Transparency: Because 15-year fixed mortgage rates can shift multiple times per week in response to 10-year Treasury movements and Federal Reserve policy changes, every rate entry carries its own specific "last updated" date. You always know exactly how fresh the data is.
Proprietary Lender Safety Ratings: Rate alone is only part of the picture. MonitorBankRates evaluates the financial stability of every listed institution using regulatory FDIC and NCUA data. Our composite Health Grades (A+ to F), Star Ratings, and Texas Ratio calculations give you a clear view of lender stability so you can borrow with confidence from a financially sound institution.
Frequently Asked Questions About 15-Year Fixed Mortgage Rates
What is a 15-year fixed-rate mortgage?
How does a 15-year mortgage compare to a 30-year mortgage?
What is the monthly payment on a 15-year mortgage?
Who is a 15-year mortgage best suited for?
How does my credit score affect my 15-year mortgage rate?
Should I lock my 15-year mortgage rate?
What is the difference between interest rate and APR on a 15-year mortgage?
Should I pay mortgage points on a 15-year loan?
Can I refinance into a 15-year mortgage?
How are 15-year mortgage rates determined?
What are today's best 15-year fixed mortgage rates?
- Iron Workers SB: 5.12% (15 Year Fixed Rate)
- Sikorsky Credit Union: 5.12% (15 Yr. Fixed)
- West Virginia Federal Credit Union: 4.99% (15 Year Fixed Rate)
- JTNB: 5.25% (Current Mortgage Rates - 15 Year Fixed)
- Silver State Schools Credit Union: 5.25% (15-Year Fixed)
More Mortgage Rate Options
