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iAdvertiser Disclosure National Rate Trends

Best 15-Year Fixed Mortgage Rates Today - May 2026 | As Low As 4.13%

Q: What are today's best 15-year fixed mortgage rates?

Recent 15-year fixed rates observed nationally include: HawaiiUSA Federal Credit Union: 4.12% (15 Year Fixed Rate)MembersAlliance Credit Union: 4.75% (15 Year Fixed Rate)First Priority Credit Union Boston, MA: 5.25% (15 Year Fixed)First Citizens Federal Credit Union: 5.00% (15-Year Fixed)Members Community Credit Union: 5.25% (15-Year Fixed). Last Updated and Verified: May 10, 2026. Rates are subject to change daily based on bond market conditions.

Q: What is a 15-year fixed-rate mortgage?

A 15-year fixed-rate mortgage is a home loan with an interest rate that stays the same for the entire 15-year repayment term. Your principal and interest payment never changes, and the loan is fully paid off in 180 months. Compared to a 30-year mortgage, the 15-year typically carries a lower interest rate — usually 0.50%–0.75% below the 30-year rate — and you pay significantly less total interest because of the shorter term. The trade-off is a substantially higher monthly payment since the principal is repaid in half the time.

Q: How does a 15-year mortgage compare to a 30-year mortgage?

The 15-year mortgage saves a substantial amount of money over the life of the loan but requires a higher monthly payment. On a $400,000 loan, a 15-year at 6.25% has a principal and interest payment of roughly $3,430/month versus approximately $2,594/month on a 30-year at 6.75%. However, the 15-year borrower pays roughly $225,000 in total interest compared to approximately $534,000 on the 30-year — a savings of over $300,000. The right choice depends on whether you can comfortably afford the higher payment without straining cash flow.

Q: What is the monthly payment on a 15-year mortgage?

Monthly payment depends on your loan amount and rate. As a rough reference: a $300,000 loan at 6.00% has a principal and interest payment of about $2,532/month; at $400,000 and 6.25%, roughly $3,430/month; at $500,000 and 6.50%, approximately $4,355/month. These figures cover principal and interest only — your total payment will be higher if you include property taxes, homeowner's insurance, and any HOA fees. Use our Mortgage Payment Calculator for a precise figure based on your specific loan amount and current rate.

Q: Who is a 15-year mortgage best suited for?

A 15-year mortgage is well suited for borrowers who can comfortably afford the higher monthly payment, are approaching retirement and want to be mortgage-free sooner, have stable income with limited need for cash flow flexibility, or are refinancing an existing mortgage and want to accelerate payoff. It is also ideal for buyers who plan to stay in the home long-term and want to maximize total interest savings. Borrowers with variable income or significant other financial obligations often benefit from the lower required payment of a 30-year, even if they intend to pay extra.

Q: How does my credit score affect my 15-year mortgage rate?

Credit score is one of the most significant factors in rate pricing. Borrowers with scores above 760 typically qualify for the lowest available 15-year rates. Scores between 700–759 usually carry rates 0.25%–0.50% higher. Scores below 680 can result in rates 0.75%–1.50% above best-tier pricing. On a 15-year loan, a higher rate costs less in total dollars than on a 30-year (because the loan pays off faster), but the monthly payment impact is immediate and significant on a shorter amortization.

Q: Should I lock my 15-year mortgage rate?

If you are comfortable with your quoted rate and want protection against rate increases before closing, locking is generally advisable. Most lenders offer 30- to 60-day locks at no cost; longer locks of 90 days may carry a small fee. Because 15-year rates tend to track shorter Treasury yields, they can move more quickly than 30-year rates in certain market conditions. Locking as soon as you have a signed purchase agreement is typically the safest approach.

Q: What is the difference between interest rate and APR on a 15-year mortgage?

The interest rate is the annual cost of borrowing the principal. The APR (Annual Percentage Rate) is a broader figure that includes the interest rate plus lender origination fees, points paid, and certain closing costs, all expressed as a single annualized percentage. Because a 15-year loan has a shorter amortization period, upfront fees and points have a larger impact on the APR relative to a 30-year loan with the same costs. The APR is the best number for comparing total loan costs across lenders on an apples-to-apples basis.

Q: Should I pay mortgage points on a 15-year loan?

Paying points (discount points) upfront to lower your rate can make sense on a 15-year loan if you plan to keep the mortgage long enough to recover the upfront cost through monthly savings. Because the 15-year term is shorter than a 30-year, you have fewer months to recoup the investment — making break-even analysis especially important. Divide the cost of the points by the monthly savings from the lower rate to find your break-even month. If you expect to keep the loan past that point, paying points is likely worthwhile.

Q: Can I refinance into a 15-year mortgage?

Yes, and it is one of the most common reasons homeowners refinance. Refinancing from a 30-year into a 15-year mortgage lets you lock in a lower rate, build equity faster, and eliminate debt sooner — often saving hundreds of thousands in total interest. The key considerations are whether you can absorb the higher monthly payment, whether the rate improvement justifies the closing costs (typically 2%–5% of the loan balance), and whether your break-even timeline aligns with your planned length of stay.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Last Updated: May 10, 2026

Today's 15-year fixed mortgage market includes offers such as HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union1226 College Walk, Aiea, HI 96701A+5.0 ★Texas Ratio: 2.50% offering 15 Year Fixed Rate at 4.12%, and MembersAlliance Credit UnionMembersAlliance Credit Union2550 S Alpine Rd, Loves Park, IL 61073A+5.0 ★Texas Ratio: 2.78% offering 15 Year Fixed Rate at 4.75%, and First Priority Credit Union Boston, MAFirst Priority Credit Union Boston, MA100 SWIFT ST, BOSTON, MA 02128 1864A+5.0 ★Texas Ratio: 2.69% offering 15 Year Fixed at 5.25%, and First Citizens Federal Credit UnionFirst Citizens Federal Credit Union1341 COVE RD, East Wareham, MA 02538A+5.0 ★Texas Ratio: 2.23% offering 15-Year Fixed at 5.00%, and Members Community Credit UnionMembers Community Credit Union159 Colorado St, Muscatine, IA 52761A+5.0 ★Texas Ratio: 0.40% 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 nationally. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: May 10, 2026

Compare 15-Year Fixed Mortgage Rates Today

Today's 15-Year Fixed Rate Context: The national average 15-year fixed mortgage rate is 6.003%, up 0.022% from last week. The table below shows verified 15-year fixed rate offers from banks and credit unions nationwide. Source: Verified Mortgage Rate Data provided by MonitorBankRates.com.

Source: Verified Mortgage Rate Data provided by MonitorBankRates.com

Lender

Product

Term

Rate ▲

APR

Profile

HawaiiUSA Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.50%

1226 College Walk, Aiea, HI 96701

15 Year Fixed Rate

4.12%

4.68%

View

▼

Rate4.12%

APR4.68%

Points2.125

UpdatedMay 6, 2026

Details

No additional details available.

MembersAlliance Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.78%

2550 S Alpine Rd, Loves Park, IL 61073

15 Year Fixed Rate

4.75%

5.08%

View

▼

Rate4.75%

APR5.08%

Points1.000

UpdatedMay 2, 2026

Details

As Low As

First Priority Credit Union Boston, MA

Institution Rating:

A+5.0 ★Texas Ratio: 2.69%

100 SWIFT ST, BOSTON, MA 02128 1864

15 Year Fixed

5.25%

5.13%

View

▼

Rate5.25%

APR5.13%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

First Citizens Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.23%

1341 COVE RD, East Wareham, MA 02538

15-Year Fixed

5.00%

5.14%

View

▼

Rate5.00%

APR5.14%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Members Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

159 Colorado St, Muscatine, IA 52761

15-Year Fixed

15 Years

5.25%

5.22%

View

▼

Rate5.25%

APR5.22%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Regional Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

10909 Randolph St, Hammond, IN 46307

15 Year Fixed Mortgage

4.99%

5.24%

View

▼

Rate4.99%

APR5.24%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Carolinas Telco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.17%

110 Outlet Pointe Blvd, Charlotte, NC 27612

15-Year Fixed

15-Year

5.25%

View

▼

Rate5.25%

APR5.25%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

F&A Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.85%

13303 Hadley St, MONTEREY PARK, CA 90601

15-Year Fixed-Rate Mortgage

5.25%

View

▼

Rate5.25%

APR5.25%

Points0.000

UpdatedMay 6, 2026

Details

No additional details available.

HawaiiUSA Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.50%

1226 College Walk, Aiea, HI 96701

15 Year Fixed Rate

5.00%

5.25%

View

▼

Rate5.00%

APR5.25%

Points0.125

UpdatedMay 6, 2026

Details

No additional details available.

MembersAlliance Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.78%

2550 S Alpine Rd, Loves Park, IL 61073

15 Year Fixed Rate

5.12%

5.29%

View

▼

Rate5.12%

APR5.29%

Points0.000

UpdatedMay 2, 2026

Details

As Low As

SUMA Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 12.20%

125 Corporate Blvd, New Haven, CT 06511 5301

15 Year Fixed Mortgage

179

5.25%

5.31%

View

▼

Rate5.25%

APR5.31%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Harford Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.55%

133 N Bridge St, Aberdeen, MD 21001

15 Year Fixed

5.12%

5.32%

View

▼

Rate5.12%

APR5.32%

Points1.000

UpdatedMay 4, 2026

Details

No additional details available.

La Capitol Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.23%

1004 N Oak St, Alexandria, LA 70006 5324

15 year fixed

15 year

5.25%

5.33%

View

▼

Rate5.25%

APR5.33%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

United Savings Bank Philadelphia, PA

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

1510 Packer Ave, Broomall, PA 19008

15 Year Fixed

15 Year

5.12%

5.36%

View

▼

Rate5.12%

APR5.36%

Points1.000

UpdatedMay 5, 2026

Details

No additional details available.

Safe 1 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.48%

1008 Fremont St, Bakersfield, CA 93215

15-Year Fixed Rate

5.25%

5.37%

View

▼

Rate5.25%

APR5.37%

Points0.000

UpdatedMay 10, 2026

Details

No additional details available.

Coosa Pines Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.53%

255 James Payton Blvd, Chelsea, AL 35043

15-Year Fixed Rate Mortgage 1st Mortgage Only

5.10%

5.37%

View

▼

Rate5.10%

APR5.37%

Points0.000

UpdatedMay 6, 2026

Details

Max LTV: ?80%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable

First Community Credit Union Houston, TX

Institution Rating:

A+5.0 ★Texas Ratio: 5.63%

10161 W Grand Parkway, Cypress, TX 77040 6229

Cash Out Refinances 15 Year Fixed

5.12%

5.38%

View

▼

Rate5.12%

APR5.38%

Points0.000

UpdatedMay 10, 2026

Details

No additional details available.

Peoples Trust Co. of St. Albans

Institution Rating:

A+5.0 ★Texas Ratio: 3.62%

1127 Ethan Allen Highway, Enosburg Falls, VT 05450

15 Year Fixed Rate

5.38%

5.41%

View

▼

Rate5.38%

APR5.41%

Points1.000

UpdatedMay 5, 2026

Details

No additional details available.

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

1000 Easton Rd, Bensalem, NJ 08012 1497

15-Year Fixed

5.12%

5.42%

View

▼

Rate5.12%

APR5.42%

Points1.500

UpdatedMay 6, 2026

Details

No additional details available.

Riverbank Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.46%

516 Spring St, Windsor Locks, CT 06096

15 Year Fixed

5.25%

5.42%

View

▼

Rate5.25%

APR5.42%

Points0.000

UpdatedMay 6, 2026

Details

As Low As; 60 DAY LOCK

Riverbank Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.46%

516 Spring St, Windsor Locks, CT 06096

15 Year Fixed Rate

5.25%

5.42%

View

▼

Rate5.25%

APR5.42%

Points0.000

UpdatedMay 6, 2026

Details

As Low As

Luana Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.11%

100 Harvest Dr, Clive, IA 50211

15-Year Fixed Rate Purchase

5.38%

5.42%

View

▼

Rate5.38%

APR5.42%

Points0.000

UpdatedMay 4, 2026

Details

Loan Amount: $200,000

Luana Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.11%

100 Harvest Dr, Clive, IA 50211

15-Year Fixed Rate Purchase

5.38%

5.43%

View

▼

Rate5.38%

APR5.43%

Points0.000

UpdatedMay 4, 2026

Details

Loan Amount: $300,000

SAG AFTRA Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

134 N Kenwood St, Burbank, CA 90036 3792

15-Year Fixed

5.12%

5.43%

View

▼

Rate5.12%

APR5.43%

Points1.000

UpdatedMay 7, 2026

Details

APR*- 1% Origination

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

1000 Easton Rd, Bensalem, NJ 08012 1497

15-Year Fixed Rate

15-Year

5.12%

5.43%

View

▼

Rate5.12%

APR5.43%

Points1.500

UpdatedMay 6, 2026

Details

No additional details available.

Institution for Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.11%

112 County Rd, Amesbury, MA 01913

15 Year Fixed

5.00%

5.45%

View

▼

Rate5.00%

APR5.45%

Points2.000

UpdatedMay 5, 2026

Details

No additional details available.

JTNB

Institution Rating:

A+5.0 ★Texas Ratio: 0.68%

12 Broadway, Jim Thorpe, PA 18229

15 Year Fixed

5.25%

5.45%

View

▼

Rate5.25%

APR5.45%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

United Savings Bank Philadelphia, PA

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

1510 Packer Ave, Broomall, PA 19008

15 Year Fixed

15 Year

5.38%

5.46%

View

▼

Rate5.38%

APR5.46%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Crest Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.46%

1010 Bayshore Rd, Cape May, NJ 08204

15 Year Fixed Rate Mortgage Purchase

5.38%

5.47%

View

▼

Rate5.38%

APR5.47%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

Crest Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.46%

1010 Bayshore Rd, Cape May, NJ 08204

15 Year Fixed Rate Mortgage Refinance

5.38%

5.47%

View

▼

Rate5.38%

APR5.47%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.44%

1400 Riverwood Dr, Bloomington, MN 53110 2611

15-Year Fixed Rate

5.25%

5.47%

View

▼

Rate5.25%

APR5.47%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

SAG AFTRA Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

134 N Kenwood St, Burbank, CA 90036 3792

15-Year Fixed

5.33%

5.48%

View

▼

Rate5.33%

APR5.48%

Points0.000

UpdatedMay 7, 2026

Details

APR* - 0% Origination

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

1000 Easton Rd, Bensalem, NJ 08012 1497

15-Year Fixed

5.25%

5.48%

View

▼

Rate5.25%

APR5.48%

Points1.125

UpdatedMay 6, 2026

Details

No additional details available.

Christian Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

255 N Lone Hill Ave, San Dimas, CA 91773 2308

15-Year Fixed Conforming Home Loan

5.38%

5.49%

View

▼

Rate5.38%

APR5.49%

Points0.000

UpdatedMay 2, 2026

Details

As Low As

Christian Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

255 N Lone Hill Ave, San Dimas, CA 91773 2308

Home Loans - Conforming 15-Year Fixed

5.38%

5.49%

View

▼

Rate5.38%

APR5.49%

Points0.000

UpdatedMay 2, 2026

Details

As Low As

Sun East Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.14%

1560 Garrett Rd, Aston, DE 19014 1862

15-Year Fixed

5.38%

5.49%

View

▼

Rate5.38%

APR5.49%

Points0.000

UpdatedMay 6, 2026

Details

As Low As

Riverside Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

325 Becker Dr, Roanoke Rapids, NC 27870

15 Year Fixed Conventional Primary Home

5.12%

5.50%

View

▼

Rate5.12%

APR5.50%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Transcend Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.92%

12104 Shelbyville Rd, Lexington, KY 40202

15 Year Fixed

15 Year

5.50%

View

▼

Rate5.50%

APR5.50%

Points0.000

UpdatedMay 2, 2026

Details

As Low As

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

1000 Easton Rd, Bensalem, NJ 08012 1497

15-Year Fixed Rate

15-Year

5.25%

5.50%

View

▼

Rate5.25%

APR5.50%

Points1.125

UpdatedMay 6, 2026

Details

No additional details available.

Charles River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.63%

1 Hastings St, Bellingham, MA 01756

15 Year Fixed

5.12%

5.50%

View

▼

Rate5.12%

APR5.50%

Points2.000

UpdatedMay 4, 2026

Details

No additional details available.

Milford Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.51%

142 Temple Street Suite 306, Milford, CT 06460

15 Year Fixed

5.00%

5.51%

View

▼

Rate5.00%

APR5.51%

Points2.000

UpdatedMay 5, 2026

Details

No additional details available.

Utah Power Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.01%

100 W 200 N, Helper, UT 84066 5004

Home Loans 15-year Fixed

5.38%

5.53%

View

▼

Rate5.38%

APR5.53%

Points0.000

UpdatedMay 10, 2026

Details

No additional details available.

Institution for Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.11%

112 County Rd, Amesbury, MA 01913

15 Year Fixed

5.25%

5.54%

View

▼

Rate5.25%

APR5.54%

Points1.000

UpdatedMay 5, 2026

Details

No additional details available.

HAPO Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.10%

1007 Jadwin Ave, College Place, OR 97267

15-Year Fixed

180

5.38%

5.54%

View

▼

Rate5.38%

APR5.54%

Points0.000

UpdatedMay 2, 2026

Details

Fixed 180 Months

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

1000 Easton Rd, Bensalem, NJ 08012 1497

15-Year Fixed

5.38%

5.55%

View

▼

Rate5.38%

APR5.55%

Points0.750

UpdatedMay 6, 2026

Details

No additional details available.

Century Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

101 W Prospect Ave, Cleveland, OH 44070

15 Year Fixed-Rate Mortgage-Loan

5.50%

5.55%

View

▼

Rate5.50%

APR5.55%

Points0.000

UpdatedMay 6, 2026

Details

UP TO 85% LTV

First County Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.27%

1006 Post Rd, Darien, CT 06820

15 Year Fixed Rate Mortgage

5.50%

5.55%

View

▼

Rate5.50%

APR5.55%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Westmark Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

1385 Fremont Ave, Blackfoot, ID 83201

15 Year Fixed

15 Year

5.38%

5.55%

View

▼

Rate5.38%

APR5.55%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Farmers State Bank Waterloo, IA

Institution Rating:

A+5.0 ★Texas Ratio: 4.41%

1306 5th St, Cedar Falls, IA 50266

15 Year Fixed Rate Mortgage Loan

15 Year

5.50%

5.56%

View

▼

Rate5.50%

APR5.56%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

American Savings Bank, FSB

Institution Rating:

A+5.0 ★Texas Ratio: 2.15%

100 Pauahi St, Aiea, HI 96701

15 Year Fixed

5.12%

5.56%

View

▼

Rate5.12%

APR5.56%

Points2.250

UpdatedMay 5, 2026

Details

No additional details available.

Ambler Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.76%

1120 Meetinghouse Rd, Ambler, PA 19002

15 Year Fixed

15 Year

5.38%

5.56%

View

▼

Rate5.38%

APR5.56%

Points0.125

UpdatedMay 5, 2026

Details

No additional details available.

Orlando Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

1662 W Orange Blossom Trl, Apopka, FL 32712 2641

15 Year Fixed

5.38%

5.56%

View

▼

Rate5.38%

APR5.56%

Points0.000

UpdatedMay 2, 2026

Details

As Low As

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

1000 Easton Rd, Bensalem, NJ 08012 1497

15-Year Fixed Rate

15-Year

5.38%

5.57%

View

▼

Rate5.38%

APR5.57%

Points0.750

UpdatedMay 6, 2026

Details

No additional details available.

Coosa Pines Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.53%

255 James Payton Blvd, Chelsea, AL 35043

15-Year Fixed Rate Mortgage 1st Mortgage Only

5.30%

5.57%

View

▼

Rate5.30%

APR5.57%

Points0.000

UpdatedMay 6, 2026

Details

Max LTV: <=90%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable

TruStone Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.44%

1400 Riverwood Dr, Bloomington, MN 53110 2611

15-Year Fixed Rate Refinance

5.38%

5.57%

View

▼

Rate5.38%

APR5.57%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Mid-Hudson Valley Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.69%

1099 Morton Blvd, Fishkill, NY 10566 2801

15 Year Fixed Rate

5.62%

5.57%

View

▼

Rate5.62%

APR5.57%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

AllSouth Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.34%

10230 Two Notch Rd, Batesburg, SC 29006 2125

15 Year Fixed

5.38%

5.59%

View

▼

Rate5.38%

APR5.59%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Wrentham Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

1005 South St, Norfolk, MA 02056

15 Year Fixed (Conforming)

5.50%

5.59%

View

▼

Rate5.50%

APR5.59%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Signature Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.33%

12 HERBERT ST, Alexandria, VA 22305

15-year Fixed Rate

5.12%

5.59%

View

▼

Rate5.12%

APR5.59%

Points2.000

UpdatedMay 7, 2026

Details

No additional details available.

Northfield Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.88%

1 Hyatt St, Avenel, NJ 07001

15 Year Fixed Rate

5.50%

5.59%

View

▼

Rate5.50%

APR5.59%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Bellwether Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

409 Amherst St, Bedford, NH 03063

15 Year Fixed

5.12%

5.61%

View

▼

Rate5.12%

APR5.61%

Points2.000

UpdatedMay 10, 2026

Details

No additional details available.

Hawaiian Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

101 Pakaula St, Honolulu, HI 96707

15 Year Fixed Rate

5.25%

5.61%

View

▼

Rate5.25%

APR5.61%

Points1.625

UpdatedMay 6, 2026

Details

No additional details available.

Schuyler Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.20%

201 Frank E Rodgers Blvd N, Harrison, NJ 07029

15 Year Fixed Rate

5.50%

5.61%

View

▼

Rate5.50%

APR5.61%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Cloverbelt Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.71%

110 McIndoe St, Wausau, WI 54401

15 Year Fixed Rate

180

5.50%

5.61%

View

▼

Rate5.50%

APR5.61%

Points0.000

UpdatedMay 10, 2026

Details

No additional details available.

Milford Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.51%

142 Temple Street Suite 306, Milford, CT 06460

15 Year Fixed

5.25%

5.61%

View

▼

Rate5.25%

APR5.61%

Points1.000

UpdatedMay 5, 2026

Details

No additional details available.

Canton Co-operative Bank

Institution Rating:

A5.0 ★Texas Ratio: 9.05%

671 Washington St, Canton, MA 02021

15 Year Fixed Rate

5.50%

5.61%

View

▼

Rate5.50%

APR5.61%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Cincinnatus S&L Co.

Institution Rating:

A+5.0 ★Texas Ratio: 1.63%

1100 Harrison Ave, Cincinnati, OH 45030

15 Year Fixed Rate

5.50%

5.61%

View

▼

Rate5.50%

APR5.61%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Knoxville TVA Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

102 N Seven Oaks Dr, Alcoa, TN 37601

15-Year Fixed-Rate Mortgage

5.25%

5.61%

View

▼

Rate5.25%

APR5.61%

Points0.000

UpdatedMay 2, 2026

Details

As Low As

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

1000 Easton Rd, Bensalem, NJ 08012 1497

15-Year Fixed

5.50%

5.62%

View

▼

Rate5.50%

APR5.62%

Points0.375

UpdatedMay 6, 2026

Details

No additional details available.

StonehamBank

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

493 Boston Rd, Billerica, MA 01821

15-Year Fixed Rate

5.50%

5.62%

View

▼

Rate5.50%

APR5.62%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Ukrainian Selfreliance Michigan Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.10%

11838 Joseph Campau St, Hamtramck, MI 48091 4073

USMFCU 15 Year Fixed Mortgage

5.38%

5.62%

View

▼

Rate5.38%

APR5.62%

Points0.000

UpdatedMay 6, 2026

Details

No additional details available.

America First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.12%

1001 S 1200 W, Albuquerque, AZ 83440

15 Year Fixed

5.38%

5.62%

View

▼

Rate5.38%

APR5.62%

Points0.625

UpdatedMay 10, 2026

Details

As Low As

Dupaco Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.16%

1000 Jackson St, Asbury, IA 50111

Purchase: 15-Year Fixed Conventional

5.50%

5.62%

View

▼

Rate5.50%

APR5.62%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

The Peoples Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.41%

150 Old Tower Hill Rd, Bristol, RI 02809

15 Year Fixed Rate

5.50%

5.63%

View

▼

Rate5.50%

APR5.63%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

Institution for Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.11%

112 County Rd, Amesbury, MA 01913

15 Year Fixed

5.50%

5.63%

View

▼

Rate5.50%

APR5.63%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

1000 Easton Rd, Bensalem, NJ 08012 1497

15-Year Fixed Rate

15-Year

5.50%

5.63%

View

▼

Rate5.50%

APR5.63%

Points0.375

UpdatedMay 6, 2026

Details

No additional details available.

Signature Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.33%

12 HERBERT ST, Alexandria, VA 22305

15-year Fixed Rate

5.25%

5.64%

View

▼

Rate5.25%

APR5.64%

Points1.500

UpdatedMay 7, 2026

Details

No additional details available.

OnPoint Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.91%

1100 NE Weidler St, Albany, OR 97005

15 year fixed rate

5.50%

5.64%

View

▼

Rate5.50%

APR5.64%

Points0.375

UpdatedMay 2, 2026

Details

No additional details available.

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

1 Baxter Pkwy, Aibonito, AR 00610 9807

15 Year Fixed

5.38%

5.65%

View

▼

Rate5.38%

APR5.65%

Points0.750

UpdatedMay 2, 2026

Details

As Low As

Aim Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.45%

1200 Associates Dr, Burlington, IA 52001

15-year Fixed

5.50%

5.65%

View

▼

Rate5.50%

APR5.65%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

OnPoint Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.91%

1100 NE Weidler St, Albany, OR 97005

15 year fixed rate

15 years

5.50%

5.65%

View

▼

Rate5.50%

APR5.65%

Points0.375

UpdatedMay 2, 2026

Details

Rates Effective: 04-27-2026; The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 Year adjustable rate loans are calculated based on a purchase of single family, owner occupied residence with a down payment of 25%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon.

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.90%

10901 N Dale Mabry Hwy, Bradenton, FL 33556 3494

15 Year Fixed Rate

5.62%

5.65%

View

▼

Rate5.62%

APR5.65%

Points0.000

UpdatedMay 10, 2026

Details

No additional details available.

PennCrest Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.20%

101 High St, Altoona, PA 15943

15-Year Fixed Rate

5.62%

5.65%

View

▼

Rate5.62%

APR5.65%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Frost Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.87%

1000 N Walnut Creek Dr, Addison, TX 75001

15-year fixed-rate

5.50%

5.65%

View

▼

Rate5.50%

APR5.65%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

United Teletech Financial Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.84%

200 S LAUREL AVE, HAZLET, NJ 07724

15-Year Fixed Mortgage

5.62%

5.66%

View

▼

Rate5.62%

APR5.66%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Meritrust Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.67%

104 McCall Rd, Andover, KS 66049 4869

15 Year Fixed

5.50%

5.66%

View

▼

Rate5.50%

APR5.66%

Points0.000

UpdatedMay 10, 2026

Details

No additional details available.

Savings Bank Circleville, OH

Institution Rating:

A+5.0 ★Texas Ratio: 2.76%

1104 Eagleton Blvd, Ashville, OH 43103

15-Year Fixed Mortgage

5.50%

5.66%

View

▼

Rate5.50%

APR5.66%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Peoples Trust Co. of St. Albans

Institution Rating:

A+5.0 ★Texas Ratio: 3.62%

1127 Ethan Allen Highway, Enosburg Falls, VT 05450

15 Year Fixed Rate

5.62%

5.66%

View

▼

Rate5.62%

APR5.66%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Community 1st Credit Union Ottumwa, IA

Institution Rating:

B-4.3 ★Texas Ratio: 23.52%

1008 W Bell Ave Ste 103, Albia, IA 50022 1128

15 Year Fixed

5.50%

5.67%

View

▼

Rate5.50%

APR5.67%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Sharon And Crescent United Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.02%

100 Forbes Blvd, Brockton, MA 02032 1018

15 Year Fixed

5.62%

5.67%

View

▼

Rate5.62%

APR5.67%

Points1.000

UpdatedApr 19, 2026

Details

No additional details available.

Texell Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.58%

1221 Hewitt Dr, Belton, TX 76501 7603

15-year Fixed Purchase

5.49%

5.67%

View

▼

Rate5.49%

APR5.67%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

American Eagle Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.82%

109 SYCAMORE ST, Avon, CT 06001 2520

15-Year Fixed As Low As

5.50%

5.67%

View

▼

Rate5.50%

APR5.67%

Points0.000

UpdatedMay 4, 2026

Details

As Low As; Loan Amount: Any

Fort Community Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.90%

100 N Main St, Fort Atkinson, WI 53094

Rapid Refinance Mortgage 15-Year Fixed Rate

15-Year

5.62%

5.67%

View

▼

Rate5.62%

APR5.67%

Points0.000

UpdatedMay 10, 2026

Details

No additional details available.

Langley Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.01%

1055 W Mercury Blvd, Carrollton, NC 23060 5814

15 Year Fixed-Rate Mortgage

5.50%

5.67%

View

▼

Rate5.50%

APR5.67%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

Langley Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.01%

1055 W Mercury Blvd, Carrollton, NC 23060 5814

15 Year Fixed-Rate Mortgage Refinance

5.50%

5.67%

View

▼

Rate5.50%

APR5.67%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

USALLIANCE

Institution Rating:

B4.5 ★Texas Ratio: 21.07%

1 Atwood Pl, Bronx, CT 01824 3629

15 Year Fixed

5.62%

5.67%

View

▼

Rate5.62%

APR5.67%

Points0.000

UpdatedMay 2, 2026

Details

As Low As

USAlliance Financial National

15 Year Fixed

5.62%

5.67%

View

▼

Rate5.62%

APR5.67%

Points0.000

UpdatedMay 4, 2026

Details

As Low As

Hawaiian Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

101 Pakaula St, Honolulu, HI 96707

15 Year Fixed Rate

5.38%

5.67%

View

▼

Rate5.38%

APR5.67%

Points1.250

UpdatedMay 6, 2026

Details

No additional details available.

Proponent Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.01%

100 Metro Blvd, Burlington, NC 07110

15-Year Fixed

15-Year Term

5.38%

5.67%

View

▼

Rate5.38%

APR5.67%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Alabama Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.17%

1 Mercedes Dr, Birmingham, AL 32507 8703

15 Year Fixed, First Mortgage

5.50%

5.68%

View

▼

Rate5.50%

APR5.68%

Points0.500

UpdatedMay 10, 2026

Details

No additional details available.

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1 Carmichael St, Barre, VT 05401 4441

15 Year Fixed Rate

5.50%

5.68%

View

▼

Rate5.50%

APR5.68%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

California Coast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.57%

1060 University Ave Ste A101, Chula Vista, CA 91910 7487

15-year Fixed

5.50%

5.68%

View

▼

Rate5.50%

APR5.68%

Points0.375

UpdatedApr 19, 2026

Details

No additional details available.

Heritage Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.33%

10415 Old Placerville Rd, Fair Oaks, CA 95628 3539

15 Year Fixed

15 Year

5.38%

5.68%

View

▼

Rate5.38%

APR5.68%

Points1.000

UpdatedMay 2, 2026

Details

No additional details available.

CorePlus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.57%

125 Boston Post Rd, Bozrah, CT 06333

15 Year Fixed Conventional FNMA

15 Year

5.45%

5.68%

View

▼

Rate5.45%

APR5.68%

Points0.000

UpdatedMay 6, 2026

Details

No additional details available.

Ion Bank

Institution Rating:

A5.0 ★Texas Ratio: 10.95%

1336 E Main St, Ansonia, CT 06032

15 Year Fixed

5.50%

5.68%

View

▼

Rate5.50%

APR5.68%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

1000 Easton Rd, Bensalem, NJ 08012 1497

15-Year Fixed

5.62%

5.68%

View

▼

Rate5.62%

APR5.68%

Points0.000

UpdatedMay 6, 2026

Details

No additional details available.

Signature Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.33%

12 HERBERT ST, Alexandria, VA 22305

15-year Fixed Rate

5.38%

5.69%

View

▼

Rate5.38%

APR5.69%

Points1.000

UpdatedMay 7, 2026

Details

No additional details available.

Community 1st Credit Union Ottumwa, IA

Institution Rating:

B-4.3 ★Texas Ratio: 23.52%

1008 W Bell Ave Ste 103, Albia, IA 50022 1128

15 Year Fixed

5.50%

5.69%

View

▼

Rate5.50%

APR5.69%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Mid American Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.01%

114 W 5th St, Arkansas City, KS 66049

15 Year Fixed Rate

5.50%

5.69%

View

▼

Rate5.50%

APR5.69%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

DMB Community Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

10 Terrace Ct, Deforest, WI 53532

15 Year Fixed Rate Program

5.62%

5.69%

View

▼

Rate5.62%

APR5.69%

Points0.000

UpdatedMay 5, 2026

Details

Serviced by DMB

Westerra Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.61%

10169 S Parker Rd, Arvada, CO 80003

15-Year Fixed - Purchase

5.62%

5.70%

View

▼

Rate5.62%

APR5.70%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

InFirst Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.81%

1007 Georges Station Rd, Blairsville, PA 15601

15 Year Fixed Rate Portfolio Mortgage

5.50%

5.70%

View

▼

Rate5.50%

APR5.70%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

InFirst Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.81%

1007 Georges Station Rd, Blairsville, PA 15601

15 Year Fixed Rate Portfolio Mortgage*

5.50%

5.70%

View

▼

Rate5.50%

APR5.70%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.62%

1000 Easton Rd, Bensalem, NJ 08012 1497

15-Year Fixed Rate

15-Year

5.62%

5.70%

View

▼

Rate5.62%

APR5.70%

Points0.000

UpdatedMay 6, 2026

Details

No additional details available.

University of Wisconsin Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.81%

115 W Oklahoma Ave, Elm Grove, WI 53066

15-Year Fixed Rate Purchase

5.62%

5.70%

View

▼

Rate5.62%

APR5.70%

Points0.000

UpdatedApr 19, 2026

Details

As Low As

Honor Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.80%

1010 Moore St, Allegan, MI 49002

15 Year Fixed

5.50%

5.70%

View

▼

Rate5.50%

APR5.70%

Points0.500

UpdatedMay 2, 2026

Details

No additional details available.

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1 Carmichael St, Barre, VT 05401 4441

15 Year Fixed Rate

5.38%

5.71%

View

▼

Rate5.38%

APR5.71%

Points1.000

UpdatedMay 7, 2026

Details

No additional details available.

Milford Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.51%

142 Temple Street Suite 306, Milford, CT 06460

15 Year Fixed

5.50%

5.71%

View

▼

Rate5.50%

APR5.71%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Hudson Valley Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.95%

101 Tillson Avenue Ext, Albany, NY 10509

15-Year Fixed Rate

5.62%

5.71%

View

▼

Rate5.62%

APR5.71%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

HAPO Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.10%

1007 Jadwin Ave, College Place, OR 97267

15-Year Fixed

180

5.38%

5.71%

View

▼

Rate5.38%

APR5.71%

Points0.000

UpdatedMay 2, 2026

Details

Fixed 180 Months

Sharon And Crescent United Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.02%

100 Forbes Blvd, Brockton, MA 02032 1018

15 Year Fixed

5.62%

5.71%

View

▼

Rate5.62%

APR5.71%

Points1.000

UpdatedApr 19, 2026

Details

No additional details available.

Ascentra Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.31%

1116 S 14th St, Bettendorf, IA 52722

Fixed Rate Mortgage - 15 Year Fixed Rate

5.62%

5.72%

View

▼

Rate5.62%

APR5.72%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Mid-Hudson Valley Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.69%

1099 Morton Blvd, Fishkill, NY 10566 2801

Biweekly 15 Year Fixed

5.75%

5.72%

View

▼

Rate5.75%

APR5.72%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

BMI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.43%

505 King Ave, Columbus, OH 43016 3248

15 Year Fixed

180

5.50%

5.72%

View

▼

Rate5.50%

APR5.72%

Points0.000

UpdatedMay 6, 2026

Details

No additional details available.

Charles River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.63%

1 Hastings St, Bellingham, MA 01756

15 Year Fixed

5.50%

5.73%

View

▼

Rate5.50%

APR5.73%

Points1.000

UpdatedMay 4, 2026

Details

No additional details available.

CO-OP Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.80%

100 E Main St, Black River Falls, WI 54603 2354

15 Year Fixed Rate (Secondary Market)

5.62%

5.73%

View

▼

Rate5.62%

APR5.73%

Points0.000

UpdatedMay 10, 2026

Details

No additional details available.

Quincy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.37%

100 Quincy Ave, Marshfield, MA 02050

15 Year Fixed Rate

5.38%

5.73%

View

▼

Rate5.38%

APR5.73%

Points2.000

UpdatedApr 19, 2026

Details

No additional details available.

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1 Carmichael St, Barre, VT 05401 4441

15 Year Fixed

5.62%

5.73%

View

▼

Rate5.62%

APR5.73%

Points0.000

UpdatedMay 7, 2026

Details

Loans $832,751 - $1,249,125

Signature Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.33%

12 HERBERT ST, Alexandria, VA 22305

15-year Fixed Rate

5.50%

5.73%

View

▼

Rate5.50%

APR5.73%

Points0.500

UpdatedMay 7, 2026

Details

No additional details available.

Founders Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.65%

100 Springcrest Dr, Boiling Springs, NC 28110

15-Year Fixed

5.50%

5.74%

View

▼

Rate5.50%

APR5.74%

Points1.000

UpdatedMay 7, 2026

Details

No additional details available.

Mass Bay Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.65%

1250 Hancock St, Everett, MA 02127

15 Year Fixed Rate Mortgage

5.62%

5.74%

View

▼

Rate5.62%

APR5.74%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Quincy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.37%

100 Quincy Ave, Marshfield, MA 02050

15 Year Fixed

5.38%

5.74%

View

▼

Rate5.38%

APR5.74%

Points2.000

UpdatedApr 19, 2026

Details

No additional details available.

Launch Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.80%

1000 W Rhode Island Ave, Cape Canaveral, FL 32119

15 Year Fixed

5.38%

5.74%

View

▼

Rate5.38%

APR5.74%

Points1.000

UpdatedMay 2, 2026

Details

As Low As

Hawaiian Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

101 Pakaula St, Honolulu, HI 96707

15 Year Fixed Rate

5.50%

5.74%

View

▼

Rate5.50%

APR5.74%

Points0.875

UpdatedMay 6, 2026

Details

No additional details available.

Desert Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

1060 S Watson Rd, Apache Junction, AZ 85004

Mortgage Refi 15 Year Fixed Rate

5.50%

5.75%

View

▼

Rate5.50%

APR5.75%

Points1.000

UpdatedMay 2, 2026

Details

No additional details available.

The Peoples Community Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

100 Ernie Drive, Arena, WI 53503

15 Year Fixed Rate

5.62%

5.75%

View

▼

Rate5.62%

APR5.75%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

Dupaco Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.16%

1000 Jackson St, Asbury, IA 50111

Refinance: 15-Year Fixed Conventional

5.62%

5.75%

View

▼

Rate5.62%

APR5.75%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

Oakdale Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.43%

128 E Badger Dr, Mauston, WI 53948

15 Year Fixed

180

5.75%

View

▼

Rate5.75%

APR5.75%

Points0.000

UpdatedMay 10, 2026

Details

First Mortgage - Primary Residence Only

American Eagle Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.82%

109 SYCAMORE ST, Avon, CT 06001 2520

15-Year Fixed

121 - 180 Months

5.75%

View

▼

Rate5.75%

APR5.75%

Points0.000

UpdatedMay 4, 2026

Details

As Low As

Heartland Credit Union Springfield, IL

Institution Rating:

A+5.0 ★Texas Ratio: 1.13%

2213 W White Oaks Dr, Springfield, IL 62702

15-Year Fixed

5.50%

5.75%

View

▼

Rate5.50%

APR5.75%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

Gouverneur S&L

Institution Rating:

A+5.0 ★Texas Ratio: 3.99%

12084 State Route 12e, Alexandria Bay, NY 13607

15 Year Fixed

5.75%

View

▼

Rate5.75%

APR5.75%

Points0.000

UpdatedMay 5, 2026

Details

As Low As

Desert Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

1060 S Watson Rd, Apache Junction, AZ 85004

Mortgage Purchase 15 Year Fixed Rate

5.50%

5.75%

View

▼

Rate5.50%

APR5.75%

Points1.000

UpdatedMay 2, 2026

Details

No additional details available.

Finance Factors

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

1164 Bishop St, Hilo, GU 96720

15 Year Fixed Rate

5.25%

5.76%

View

▼

Rate5.25%

APR5.76%

Points1.875

UpdatedMay 5, 2026

Details

No additional details available.

NCB North Cambridge Coopertive Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

2360 Massachusetts Ave, Cambridge, MA 02140

15 Year Fixed Rate

5.75%

5.77%

View

▼

Rate5.75%

APR5.77%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.21%

19 Church St, Winchester, MA 01801

15 Year Fixed

180

5.75%

5.77%

View

▼

Rate5.75%

APR5.77%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Coasthills Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.74%

100 COMMUNITY LOOP, Arroyo Grande, CA 93401 4084

15-Year Fixed

5.62%

5.77%

View

▼

Rate5.62%

APR5.77%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Coosa Pines Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.53%

255 James Payton Blvd, Chelsea, AL 35043

15-Year Fixed Rate Mortgage 1st Mortgage Only

5.50%

5.77%

View

▼

Rate5.50%

APR5.77%

Points0.000

UpdatedMay 6, 2026

Details

Max LTV: <=90%; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable

Pacific NW Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.79%

1004 Pacific Ave, Hood River, OR 97031 1961

15 Year Fixed Rate

5.62%

5.77%

View

▼

Rate5.62%

APR5.77%

Points0.500

UpdatedMay 6, 2026

Details

No additional details available.

Bank of Easton

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

12 Robert Dr, North Easton, MA 02356

15 Year Fixed

5.50%

5.77%

View

▼

Rate5.50%

APR5.77%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

San Francisco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.14%

1811 El Camino Real, Burlingame, CA 94010

Conforming 15 Year Fixed Rate

5.62%

5.78%

View

▼

Rate5.62%

APR5.78%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

The Andover Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.03%

150 N Chestnut St, Albion, OH 16401

15 Year Fixed Rate

5.62%

5.78%

View

▼

Rate5.62%

APR5.78%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Piedmont FSB

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

1040 Southpark Blvd, Boone, NC 27012

15-Year Fixed

5.60%

5.78%

View

▼

Rate5.60%

APR5.78%

Points1.000

UpdatedMay 5, 2026

Details

No additional details available.

Worcester Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.20%

1 Officer Manny Familia Way, Worcester, MA 01605

15 Year Fixed

5.62%

5.78%

View

▼

Rate5.62%

APR5.78%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

Signature Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.33%

12 HERBERT ST, Alexandria, VA 22305

15-year Fixed Rate

5.62%

5.78%

View

▼

Rate5.62%

APR5.78%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Jarrettsville Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

3706 Norrisville Rd, Jarrettsville, MD 21084

15 Year Fixed

5.62%

5.78%

View

▼

Rate5.62%

APR5.78%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

PNB of Kewanee

Institution Rating:

B+4.8 ★Texas Ratio: 17.17%

109 W Maple Ave, Annawan, IL 60420

15 Year Fixed mortgages

5.50%

5.79%

View

▼

Rate5.50%

APR5.79%

Points0.000

UpdatedMay 5, 2026

Details

As Low As

Greenville National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.19%

100 E Main St, Ansonia, IN 45303

15 Year Fixed Rate

5.62%

5.79%

View

▼

Rate5.62%

APR5.79%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Virginia Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.74%

10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974

15 Year Fixed Rate

180

5.62%

5.79%

View

▼

Rate5.62%

APR5.79%

Points0.395

UpdatedMay 10, 2026

Details

No additional details available.

Marathon Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.41%

11315 N Cedarburg Rd, Brookfield, WI 53045

15 Year Fixed

15 Year

5.62%

5.80%

View

▼

Rate5.62%

APR5.80%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

SchoolsFirst Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.68%

1010 Riley St Ste 5, Anaheim, CA 90045

15 Year Fixed-Rate Mortgages: Conforming

5.50%

5.80%

View

▼

Rate5.50%

APR5.80%

Points1.000

UpdatedMay 7, 2026

Details

No additional details available.

Spencer Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.42%

1 Towne Ctr, Cliffside Park, NJ 07006

15 Year Fixed Rate

5.75%

5.80%

View

▼

Rate5.75%

APR5.80%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Main Street Bank Corp

Institution Rating:

A5.0 ★Texas Ratio: 11.67%

1010 Commerce St, Moundsville, OH 26003

15 Year Fixed

5.50%

5.80%

View

▼

Rate5.50%

APR5.80%

Points0.250

UpdatedMay 5, 2026

Details

No additional details available.

Addition Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.12%

1000 Primera Blvd, Apopka, FL 32703

15 Year Fixed Rate

5.62%

5.81%

View

▼

Rate5.62%

APR5.81%

Points0.000

UpdatedMay 4, 2026

Details

As Low As

One Nevada Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.18%

1090 W Sunset Rd Ste B, Henderson, NV 89014 6678

15 Year Fixed

5.75%

5.81%

View

▼

Rate5.75%

APR5.81%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

One Nevada Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.18%

1090 W Sunset Rd Ste B, Henderson, NV 89014 6678

Refi 15 Year Fixed

5.75%

5.81%

View

▼

Rate5.75%

APR5.81%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Northwest Community Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.08%

100 Battistoni Rd, Avon, CT 06001

15 Year Fixed

5.62%

5.81%

View

▼

Rate5.62%

APR5.81%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

Guardian Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.03%

1025 Milwaukee Ave, Menomonee Falls, WI 53051 8009

15 Year Fixed Rate

5.75%

5.81%

View

▼

Rate5.75%

APR5.81%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

Elements Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.98%

1400 W Raymond St, Indianapolis, IN 46202

15-Year Fixed

180

5.75%

5.81%

View

▼

Rate5.75%

APR5.81%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Elements Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.98%

1400 W Raymond St, Indianapolis, IN 46202

15-Year Fixed-Rate Mortgage Purchase

180

5.75%

5.81%

View

▼

Rate5.75%

APR5.81%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Elements Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.98%

1400 W Raymond St, Indianapolis, IN 46202

15-Year Fixed-Rate Mortgage Refinance

180

5.75%

5.81%

View

▼

Rate5.75%

APR5.81%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Member One Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.18%

105 Oaktree Blvd, Christiansburg, VA 24012

15 Year Fixed Rate

180

5.62%

5.82%

View

▼

Rate5.62%

APR5.82%

Points0.543

UpdatedMay 6, 2026

Details

No additional details available.

Newtown Savings Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.92%

112 Boston Ave, Bethel, CT 06468

15 Year Fixed Rate

15 Year

5.62%

5.82%

View

▼

Rate5.62%

APR5.82%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Shrewsbury Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.71%

489 BOSTON TPKE, SHREWSBURY, MA 01545

15 Year Fixed Rate

5.75%

5.82%

View

▼

Rate5.75%

APR5.82%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Quincy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.37%

100 Quincy Ave, Marshfield, MA 02050

15 Year Fixed Rate

5.62%

5.82%

View

▼

Rate5.62%

APR5.82%

Points1.000

UpdatedApr 19, 2026

Details

No additional details available.

Alive Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.30%

1800 Barrs St, Hammond, FL 32202

15 year fixed

5.62%

5.82%

View

▼

Rate5.62%

APR5.82%

Points0.250

UpdatedMay 10, 2026

Details

As Low As

Charles River Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.63%

1 Hastings St, Bellingham, MA 01756

15 Year Fixed

5.75%

5.82%

View

▼

Rate5.75%

APR5.82%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

Emigrant Bank New York, NY

Institution Rating:

B+4.7 ★Texas Ratio: 18.61%

13 Croton Ave, New York, NY 10017

15 Year Fixed

5.75%

5.82%

View

▼

Rate5.75%

APR5.82%

Points0.000

UpdatedMay 6, 2026

Details

No additional details available.

Port Washington State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.20%

10509 N Port Washington Rd, Belgium, WI 53004

15 Year Fixed Rate

5.75%

5.82%

View

▼

Rate5.75%

APR5.82%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

Revity Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

1119 S Lincoln Ave, Alton, IL 62002

15 Year Fixed First Mortgage Loan

5.50%

5.82%

View

▼

Rate5.50%

APR5.82%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Revity Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

1119 S Lincoln Ave, Alton, IL 62002

First Mortgage Loans 15 Year Fixed

5.50%

5.82%

View

▼

Rate5.50%

APR5.82%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Bellwether Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

409 Amherst St, Bedford, NH 03063

15 Year Fixed

5.50%

5.83%

View

▼

Rate5.50%

APR5.83%

Points1.000

UpdatedMay 10, 2026

Details

No additional details available.

Mercantile Bank, div of United Community Bank National

15 Year Fixed Rate

5.75%

5.83%

View

▼

Rate5.75%

APR5.83%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

UCB United Community Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.04%

1 Professional Plz, Alton, FL 34103

15 Year Fixed Rate

5.75%

5.83%

View

▼

Rate5.75%

APR5.83%

Points0.000

UpdatedMay 5, 2026

Details

*Select Check All Mortgage Rates for Details

Community First Credit Union

Institution Rating:

B4.6 ★Texas Ratio: 19.30%

1105 N Dutton Ave, Clearlake, CA 94559 1047

15 Year Fixed Mortgage Purchase

5.75%

5.83%

View

▼

Rate5.75%

APR5.83%

Points0.000

UpdatedMay 10, 2026

Details

The rates provided assume the purpose of this loan is to purchase a property, loan amount of $480,000 and a purchase price of $600,000. The property is a single-family detached dwelling (non-manufactured home), one unit and located in California. The property will be used as your primary residence. The rate lock period is 30 days and the assumed credit score is 740 or greater. There will be no subordinate financing and your debt to income will not exceed 40%. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, and some third-party fees. All loans are subject to approval and rates, terms and conditions are subject to change.

Launch Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.80%

1000 W Rhode Island Ave, Cape Canaveral, FL 32119

15 Year Fixed

5.62%

5.83%

View

▼

Rate5.62%

APR5.83%

Points0.000

UpdatedMay 2, 2026

Details

As Low As

Fulton Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.68%

219 County Route 57, Baldwinsville, NY 13027

15-Year Fixed

5.62%

5.83%

View

▼

Rate5.62%

APR5.83%

Points0.000

UpdatedMay 5, 2026

Details

As Low As

Central State Bank Clayton, IL

Institution Rating:

B-4.3 ★Texas Ratio: 23.94%

100 W Main St, Clayton, IL 62301

15 Year Fixed Rate

5.75%

5.84%

View

▼

Rate5.75%

APR5.84%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Star One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.72%

1080 Enterprise Way Ste 150, Cupertino, CA 94022 3618

15-Year Fixed-Rate Mortgage

5.75%

5.84%

View

▼

Rate5.75%

APR5.84%

Points0.000

UpdatedMay 2, 2026

Details

APR Jumbo

First Entertainment Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.72%

10202 Washington Blvd, Burbank, CA 90038 3989

15 YEAR FIXED

5.75%

5.84%

View

▼

Rate5.75%

APR5.84%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Quincy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.37%

100 Quincy Ave, Marshfield, MA 02050

15 Year Fixed

5.62%

5.84%

View

▼

Rate5.62%

APR5.84%

Points1.000

UpdatedApr 19, 2026

Details

No additional details available.

First National Bank of Hutchinson

Institution Rating:

A+5.0 ★Texas Ratio: 0.22%

1 N Main St, Andale, KS 67001

15 year Fixed Rate

5.62%

5.84%

View

▼

Rate5.62%

APR5.84%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

Ent Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.95%

1 Mount Baldy Dr, Aurora, CO 80011 7809

15-Year Fixed-Rate

5.75%

5.84%

View

▼

Rate5.75%

APR5.84%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

The Bank of New Glarus

Institution Rating:

A+5.0 ★Texas Ratio: 3.78%

1101 Hwy 69, Belleville, WI 53508

15 Year Fixed

5.75%

5.84%

View

▼

Rate5.75%

APR5.84%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Methuen Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.45%

243 Broadway, Methuen, MA 01844

15 Year Fixed Rate Mortgage

5.75%

5.85%

View

▼

Rate5.75%

APR5.85%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Broadview Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

100 Van Rensselaer Sq, Albany, NY 12009 9900

15-year Fixed

5.62%

5.85%

View

▼

Rate5.62%

APR5.85%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

California Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.59%

130 Sunrise Ave, Elk Grove, CA 95356 0542

15-Year Fixed(3)

5.64%

5.85%

View

▼

Rate5.64%

APR5.85%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

North Shore Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.63%

10539 W National Ave, Appleton, IL 53005

15-Year Fixed Service Released

5.75%

5.85%

View

▼

Rate5.75%

APR5.85%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

IDB Global Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

1300 New York Ave NW, Washington, DC 20577 0001

Primary Residence Fixed Rate Mortgage 15-Year Fixed

5.62%

5.85%

View

▼

Rate5.62%

APR5.85%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Naveo Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.91%

251 Hampshire St, Cambridge, MA 01905

15 Year Fixed Rate

15 Year

5.75%

5.86%

View

▼

Rate5.75%

APR5.86%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Soo-Co-Op Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.87%

12214 W Lakeshore Dr, Brimley, MI 49715

15 Year Fixed Rate

5.75%

5.86%

View

▼

Rate5.75%

APR5.86%

Points0.000

UpdatedMay 2, 2026

Details

As Low As

Liberty Bank Middletown, CT

Institution Rating:

A+5.0 ★Texas Ratio: 5.26%

1009 New Haven Rd, Avon, CT 01028

15 Year Fixed Mortgage

5.75%

5.87%

View

▼

Rate5.75%

APR5.87%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Virginia Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.74%

10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974

15 Year Fixed Rate

180

5.62%

5.87%

View

▼

Rate5.62%

APR5.87%

Points0.895

UpdatedMay 10, 2026

Details

No additional details available.

HSBC Bank USA

Institution Rating:

A+5.0 ★Texas Ratio: 3.89%

1 1 Chonro 9 Ka Chongro Ku, Buenos Aires, 00000

15 Year Fixed Rate

5.75%

5.87%

View

▼

Rate5.75%

APR5.87%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

First FSB of Mascoutah

Institution Rating:

A+5.0 ★Texas Ratio: 0.04%

101 W Main St, Lebanon, IL 62254

15 Year Fixed Rate/ 10-Year Amort

5.75%

5.87%

View

▼

Rate5.75%

APR5.87%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Patelco Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.87%

1050 Admiral Ct Ste F, Berkeley, CA 94015

15-Year Fixed

5.75%

5.87%

View

▼

Rate5.75%

APR5.87%

Points0.000

UpdatedMay 2, 2026

Details

$50,000 to $832,750

UnitedOne Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.69%

1117 S 10th St, Manitowoc, WI 53081

15 Year Fixed (180 months)

180

5.75%

5.87%

View

▼

Rate5.75%

APR5.87%

Points0.000

UpdatedMay 10, 2026

Details

As Low As

Carolinas Telco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.17%

110 Outlet Pointe Blvd, Charlotte, NC 27612

15-Year Fixed

5.88%

View

▼

Rate5.88%

APR5.88%

Points0.000

UpdatedMay 7, 2026

Details

As Low As; Up to 80% of Purchase Price or Appraised Value, Whichever is Less

Honor Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.80%

1010 Moore St, Allegan, MI 49002

15 Year Fixed

5.75%

5.88%

View

▼

Rate5.75%

APR5.88%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

OlyFed Olympia Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

24081 Ne State Route 3, Belfair, WA 98501

15-Year Fixed

5.62%

5.88%

View

▼

Rate5.62%

APR5.88%

Points1.000

UpdatedMay 10, 2026

Details

No additional details available.

Midwest Heritage Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

1025 Braden Ave, Ames, IA 50010

15 Year Fixed

15 Year

5.75%

5.88%

View

▼

Rate5.75%

APR5.88%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Mercer Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.73%

1100 Irmscher Blvd, Berne, IN 45331

15 Year Fixed Rate

5.62%

5.88%

View

▼

Rate5.62%

APR5.88%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

HSBC Trust Company (Delaware)

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

300 Delaware Ave Ste 1401, Wilmington, DE 19801

15 Year Fixed Rate

5.75%

5.88%

View

▼

Rate5.75%

APR5.88%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

OMNI Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.58%

1 Denso Rd, Bangor, MI 49001

Conventional 15 Year Fixed

5.62%

5.88%

View

▼

Rate5.62%

APR5.88%

Points0.000

UpdatedMay 10, 2026

Details

No additional details available.

OlyFed Olympia Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

24081 Ne State Route 3, Belfair, WA 98501

15-Year Fixed 80% Max LTV (Owner Occupied)

5.62%

5.89%

View

▼

Rate5.62%

APR5.89%

Points1.000

UpdatedMay 10, 2026

Details

No additional details available.

SchoolsFirst Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.68%

1010 Riley St Ste 5, Anaheim, CA 90045

15 Year Fixed-Rate Mortgages: Conforming

5.75%

5.89%

View

▼

Rate5.75%

APR5.89%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

11th Floor Express Tower Nariman Point, Aberdeen England, 00000

15-Year Fixed Rate

5.62%

5.89%

View

▼

Rate5.62%

APR5.89%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

Member One Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.18%

105 Oaktree Blvd, Christiansburg, VA 24012

15 Year Fixed Rate

180

5.62%

5.89%

View

▼

Rate5.62%

APR5.89%

Points1.043

UpdatedMay 6, 2026

Details

No additional details available.

Great Basin Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.76%

322 Buck Dr, Reno, NV 89436 7731

15-Year Fixed Conforming Mortgage

5.49%

5.89%

View

▼

Rate5.49%

APR5.89%

Points0.000

UpdatedMay 6, 2026

Details

60% LTV*

Great Basin Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.76%

322 Buck Dr, Reno, NV 89436 7731

Conventional 15 Year Fixed

5.49%

5.89%

View

▼

Rate5.49%

APR5.89%

Points1.000

UpdatedMay 6, 2026

Details

No additional details available.

Liberty Bank for Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.58%

1018 W Touhy Ave, Chicago, IL 60068

15-Year Fixed

5.75%

5.89%

View

▼

Rate5.75%

APR5.89%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

FourLeaf Federal Credit Union

Institution Rating:

A-4.9 ★Texas Ratio: 15.85%

1 Hawkins Ave Unit 2104, Albertson, NJ 08002 2057

15 Year Fixed

5.75%

5.90%

View

▼

Rate5.75%

APR5.90%

Points0.000

UpdatedMay 4, 2026

Details

As Low As

ConnectOne Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.57%

1 Montauk Hwy, Astoria, FL 07024

15 Year Fixed

5.75%

5.90%

View

▼

Rate5.75%

APR5.90%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

Heritage Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.33%

10415 Old Placerville Rd, Fair Oaks, CA 95628 3539

15 Year Fixed

15 Year

5.75%

5.90%

View

▼

Rate5.75%

APR5.90%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Carolina Cooperative Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.75%

1207 Bessemer City Rd, Charlotte, NC 28052

15 Year Fixed

5.75%

5.91%

View

▼

Rate5.75%

APR5.91%

Points0.000

UpdatedMay 10, 2026

Details

No additional details available.

Credit Union of Southern California Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

100 S Main St Ste 110, Alhambra, AZ 86403

15-Year Fixed

5.88%

5.91%

View

▼

Rate5.88%

APR5.91%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Wildfire Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.82%

100 Joseph Dr, Bay City, MI 48603

15 Year Fixed

15 Year

5.75%

5.92%

View

▼

Rate5.75%

APR5.92%

Points0.000

UpdatedMay 10, 2026

Details

As Low As

Associated Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.62%

1 Brewers Way, Alton, IL 53005

15 Year Fixed

5.75%

5.92%

View

▼

Rate5.75%

APR5.92%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

Star One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.72%

1080 Enterprise Way Ste 150, Cupertino, CA 94022 3618

15-Year Fixed-Rate Mortgage

5.75%

5.92%

View

▼

Rate5.75%

APR5.92%

Points0.000

UpdatedMay 2, 2026

Details

APR Conforming

Quincy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.37%

100 Quincy Ave, Marshfield, MA 02050

15 Year Fixed Rate

5.88%

5.92%

View

▼

Rate5.88%

APR5.92%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

Sharon And Crescent United Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.02%

100 Forbes Blvd, Brockton, MA 02032 1018

15 Year Fixed

5.88%

5.92%

View

▼

Rate5.88%

APR5.92%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

Community First Credit Union

Institution Rating:

B4.6 ★Texas Ratio: 19.30%

1105 N Dutton Ave, Clearlake, CA 94559 1047

15 Year Fixed Mortgage Purchase

5.88%

5.92%

View

▼

Rate5.88%

APR5.92%

Points0.000

UpdatedMay 10, 2026

Details

The rates provided assume the purpose of this loan is to purchase a property, loan amount of $1,240,000 and a purchase price of $1,550,000. The property is a single-family detached dwelling (non-manufactured home), one unit and located in California. The property will be used as your primary residence. The rate lock period is 30 days and the assumed credit score is 780 or greater. There will be no subordinate financing and your debt to income will not exceed 40%. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, and some third-party fees. All loans are subject to approval and rates, terms and conditions are subject to change.

Eastman Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.31%

113 Broyles Dr, Abingdon, TN 24202

15 Year Fixed

5.50%

5.93%

View

▼

Rate5.50%

APR5.93%

Points1.000

UpdatedMay 2, 2026

Details

No additional details available.

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.74%

1 Courthouse Way, Bedford, CA 01434

15-Year Fixed

5.62%

5.93%

View

▼

Rate5.62%

APR5.93%

Points0.000

UpdatedMay 6, 2026

Details

As Low As; Primary Residence

Kohler Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.40%

11357 N Port Washington Rd, Grafton, WI 53024 9397

15 Year Fixed

5.75%

5.93%

View

▼

Rate5.75%

APR5.93%

Points0.000

UpdatedMay 10, 2026

Details

No additional details available.

Quincy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.37%

100 Quincy Ave, Marshfield, MA 02050

15 Year Fixed

5.88%

5.93%

View

▼

Rate5.88%

APR5.93%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

University of Illinois Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.86%

1019 E Fairchild St, Bloomington, IL 61704

15 Year Fixed

5.50%

5.93%

View

▼

Rate5.50%

APR5.93%

Points0.000

UpdatedMay 10, 2026

Details

As Low As

Mound City Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

1100 Springdale St, Belmont, WI 53510

15 Year Fixed

5.88%

5.94%

View

▼

Rate5.88%

APR5.94%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

La Salle State Bank

Institution Rating:

A5.0 ★Texas Ratio: 7.56%

100 Mill St, La Salle, IL 61301

15-year fixed rate

15 years

5.88%

5.94%

View

▼

Rate5.88%

APR5.94%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Virginia Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.74%

10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974

15 Year Fixed Rate

180

5.88%

5.94%

View

▼

Rate5.88%

APR5.94%

Points-0.246

UpdatedMay 10, 2026

Details

No additional details available.

Y-12 Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.14%

101 Crosspark Dr, Clinton, KY 37716 3730

15-Year Fixed

5.75%

5.95%

View

▼

Rate5.75%

APR5.95%

Points1.000

UpdatedMay 6, 2026

Details

No additional details available.

Alive Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.30%

1800 Barrs St, Hammond, FL 32202

15 year fixed

5.75%

5.95%

View

▼

Rate5.75%

APR5.95%

Points0.000

UpdatedMay 10, 2026

Details

As Low As

GLASS CITY

Institution Rating:

A+5.0 ★Texas Ratio: 2.83%

1275 N Main St, Bowling Green, OH 43402 1342

15 Year Fixed Conventional

5.88%

5.95%

View

▼

Rate5.88%

APR5.95%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Team One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

1130 CLEAVER RD, BAD AXE, MI 48304 1187

15 Year Fixed

15 Year

5.75%

5.95%

View

▼

Rate5.75%

APR5.95%

Points0.000

UpdatedMay 10, 2026

Details

No additional details available.

Credit Union of Southern California Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.57%

100 S Main St Ste 110, Alhambra, AZ 86403

15-Year Fixed

5.88%

5.95%

View

▼

Rate5.88%

APR5.95%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Farmers National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.49%

1100 E Lincolnway, Geneseo, IL 61053

15 Year Fixed

5.88%

5.95%

View

▼

Rate5.88%

APR5.95%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Member One Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.18%

105 Oaktree Blvd, Christiansburg, VA 24012

15 Year Fixed Rate

180

5.88%

5.96%

View

▼

Rate5.88%

APR5.96%

Points-0.167

UpdatedMay 6, 2026

Details

No additional details available.

River Falls State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

124 S 2nd St, River Falls, WI 54022

15 Year Fixed Rate

5.75%

5.96%

View

▼

Rate5.75%

APR5.96%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Union Bank Morrisville, VT

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1028 Us Route 302, Berlin, NH 03251

15 Year Fixed Rate

15 Year

5.88%

5.96%

View

▼

Rate5.88%

APR5.96%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Fairfield Federal S&L of Lancaster

Institution Rating:

A+5.0 ★Texas Ratio: 3.53%

1100 W Fair Ave, Lancaster, OH 43130

15 YEAR FIXED RATE

5.75%

5.96%

View

▼

Rate5.75%

APR5.96%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Ascend Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.48%

1002 Crossings Blvd, Brentwood, TN 37027

15 Year Fixed

5.88%

5.96%

View

▼

Rate5.88%

APR5.96%

Points0.000

UpdatedMay 6, 2026

Details

No additional details available.

Royal Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.04%

100 Splinter Ave, Adams, WI 53506

15-Year Fixed Rate

5.88%

5.96%

View

▼

Rate5.88%

APR5.96%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Affinity Plus Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.62%

1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149

15-Year Fixed-Rate, Conventional

5.75%

5.96%

View

▼

Rate5.75%

APR5.96%

Points0.000

UpdatedMay 7, 2026

Details

As Low As; starting at

Jarrettsville Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

3706 Norrisville Rd, Jarrettsville, MD 21084

15 Year Fixed Rate

15 Year

5.62%

5.97%

View

▼

Rate5.62%

APR5.97%

Points0.750

UpdatedMay 5, 2026

Details

No additional details available.

Sunmark Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.71%

113 Holland Ave, Albany, NY 10547

Conventional 15 Year Fixed

5.75%

5.97%

View

▼

Rate5.75%

APR5.97%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

Sharon And Crescent United Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.02%

100 Forbes Blvd, Brockton, MA 02032 1018

15 Year Fixed

5.88%

5.97%

View

▼

Rate5.88%

APR5.97%

Points0.000

UpdatedApr 19, 2026

Details

No additional details available.

Farmers Savings Bank Mineral Point, WI

Institution Rating:

A+5.0 ★Texas Ratio: 0.17%

1113 N Johns St, Dodgeville, WI 53533

15 Year Fixed Rate

5.88%

5.97%

View

▼

Rate5.88%

APR5.97%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Mound City Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

1100 Springdale St, Belmont, WI 53510

15 Year Fixed

5.88%

5.97%

View

▼

Rate5.88%

APR5.97%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

SharePoint Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.61%

10750 France Ave S, Andover, MN 55304

Conventional 15-Year Fixed

5.88%

5.97%

View

▼

Rate5.88%

APR5.97%

Points0.000

UpdatedMay 2, 2026

Details

No additional details available.

TEG Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.72%

1 Commerce St, Hyde Park, NY 10941

15 Year Fixed

5.75%

5.97%

View

▼

Rate5.75%

APR5.97%

Points0.875

UpdatedMay 2, 2026

Details

No additional details available.

First National Bank of Orwell

Institution Rating:

A5.0 ★Texas Ratio: 10.15%

2936 Vt Route 22a, Orwell, VT 05760

15 Year Fixed Rate

5.88%

5.97%

View

▼

Rate5.88%

APR5.97%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

First Northern Bank and Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 5.59%

101 Park Ave, Bath, PA 18014

15-Year Fixed Rate

5.75%

5.98%

View

▼

Rate5.75%

APR5.98%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

San Francisco Fire Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.90%

3201 California St, San Francisco, CA 94114 3704

15 Year Fixed High Balance Rate Loans

5.75%

5.98%

View

▼

Rate5.75%

APR5.98%

Points1.000

UpdatedMay 2, 2026

Details

No additional details available.

CDC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.26%

1600 Clifton Rd NE, Atlanta, GA 30329 4018

15 Year Fixed

5.75%

5.98%

View

▼

Rate5.75%

APR5.98%

Points0.000

UpdatedMay 6, 2026

Details

No additional details available.

Ardent Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.56%

110 Black Rock Rd, Blue Bell, PA 19083 1110

15 Year fixed

5.88%

5.99%

View

▼

Rate5.88%

APR5.99%

Points0.000

UpdatedMay 7, 2026

Details

No additional details available.

Community First Bank Boscobel, WI

Institution Rating:

A+5.0 ★Texas Ratio: 3.60%

101 N Wisconsin Ave, Baraboo, WI 53554

15 Year Fixed Rate

5.88%

5.99%

View

▼

Rate5.88%

APR5.99%

Points0.000

UpdatedMay 3, 2026

Details

No additional details available.

Better Banks

Institution Rating:

B+4.8 ★Texas Ratio: 17.62%

10045 West Lancelot Drive, Astoria, IL 61491

15 Year Fixed

5.88%

6.00%

View

▼

Rate5.88%

APR6.00%

Points0.000

UpdatedMay 5, 2026

Details

As Low As

Wallkill Valley Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 3.07%

12 Main St, Highland Falls, NY 10928

15 Year Fixed Conforming *

15 Years

5.88%

6.00%

View

▼

Rate5.88%

APR6.00%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

HSBC Bank USA

Institution Rating:

A+5.0 ★Texas Ratio: 3.89%

1 1 Chonro 9 Ka Chongro Ku, Buenos Aires, 00000

15 Year Fixed Rate

5.88%

6.00%

View

▼

Rate5.88%

APR6.00%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

Alliance Community Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.71%

123 W Elm St, Athens, IL 62613

Conforming 15 Year Fixed Rate

5.88%

6.01%

View

▼

Rate5.88%

APR6.01%

Points0.000

UpdatedMay 5, 2026

Details

No additional details available.

Florida Central Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.30%

10175 State Road 54, Bradenton, FL 33511 5706

15 Year Fixed

5.50%

6.01%

View

▼

Rate5.50%

APR6.01%

Points0.000

UpdatedApr 19, 2026

Details

As Low As

Florida Central Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.30%

10175 State Road 54, Bradenton, FL 33511 5706

SECOND HOME 15 Year Fixed

5.50%

6.01%

View

▼

Rate5.50%

APR6.01%

Points0.000

UpdatedApr 19, 2026

Details

As Low As

Vinton County Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.33%

1 Main St, Ashville, OH 43062

15 Year Fixed Rate

5.88%

6.01%

View

▼

Rate5.88%

APR6.01%

Points0.000

UpdatedMay 4, 2026

Details

No additional details available.

Three Rivers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.18%

10 E Main St, Angola, IN 45885 2809

15 Year Fixed (Conforming)

5.75%

6.01%

View

▼

Rate5.75%

APR6.01%

Points0.500

UpdatedMay 6, 2026

Details

No additional details available.

Disclaimer

The 15-year fixed mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Refinancing involves closing costs that should be factored into your decision.

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 national average rates across all mortgage types

Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.

View Full Trends Report →

15-Year Fixed — National Avg

6.003%

▲ 0.022% from last week

The 15-year fixed rate rose 0.022 points over the past 7 days to 6.003%, up from 5.982% last week.

Quick Reference — May 2026

Est. payment ($400k loan): $3,376/mo

Loan type: Fixed-rate, 15-year term

Best for: Faster payoff, lower total interest

Data source: mortgage rate averages compiled from our database of 8,500+ banks and credit unions

As of May 12, 2026 • Daily averages from our database of 8,500+ U.S. banks & credit unions — updated daily

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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 nationwide.

Nationwide 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 national online lenders. This breadth ensures you see competitive rates that many national 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?

A 15-year fixed-rate mortgage is a home loan with an interest rate that stays the same for the entire 15-year repayment term. Your principal and interest payment never changes, and the loan is fully paid off in 180 months. Compared to a 30-year mortgage, the 15-year typically carries a lower interest rate — usually 0.50%–0.75% below the 30-year rate — and you pay significantly less total interest because of the shorter term. The trade-off is a substantially higher monthly payment since the principal is repaid in half the time.

How does a 15-year mortgage compare to a 30-year mortgage?

The 15-year mortgage saves a substantial amount of money over the life of the loan but requires a higher monthly payment. On a $400,000 loan, a 15-year at 6.25% has a principal and interest payment of roughly $3,430/month versus approximately $2,594/month on a 30-year at 6.75%. However, the 15-year borrower pays roughly $225,000 in total interest compared to approximately $534,000 on the 30-year — a savings of over $300,000. The right choice depends on whether you can comfortably afford the higher payment without straining cash flow.

What is the monthly payment on a 15-year mortgage?

Monthly payment depends on your loan amount and rate. As a rough reference: a $300,000 loan at 6.00% has a principal and interest payment of about $2,532/month; at $400,000 and 6.25%, roughly $3,430/month; at $500,000 and 6.50%, approximately $4,355/month. These figures cover principal and interest only — your total payment will be higher if you include property taxes, homeowner's insurance, and any HOA fees. Use our Mortgage Payment Calculator for a precise figure based on your specific loan amount and current rate.

Who is a 15-year mortgage best suited for?

A 15-year mortgage is well suited for borrowers who can comfortably afford the higher monthly payment, are approaching retirement and want to be mortgage-free sooner, have stable income with limited need for cash flow flexibility, or are refinancing an existing mortgage and want to accelerate payoff. It is also ideal for buyers who plan to stay in the home long-term and want to maximize total interest savings. Borrowers with variable income or significant other financial obligations often benefit from the lower required payment of a 30-year, even if they intend to pay extra.

How does my credit score affect my 15-year mortgage rate?

Credit score is one of the most significant factors in rate pricing. Borrowers with scores above 760 typically qualify for the lowest available 15-year rates. Scores between 700–759 usually carry rates 0.25%–0.50% higher. Scores below 680 can result in rates 0.75%–1.50% above best-tier pricing. On a 15-year loan, a higher rate costs less in total dollars than on a 30-year (because the loan pays off faster), but the monthly payment impact is immediate and significant on a shorter amortization.

Should I lock my 15-year mortgage rate?

If you are comfortable with your quoted rate and want protection against rate increases before closing, locking is generally advisable. Most lenders offer 30- to 60-day locks at no cost; longer locks of 90 days may carry a small fee. Because 15-year rates tend to track shorter Treasury yields, they can move more quickly than 30-year rates in certain market conditions. Locking as soon as you have a signed purchase agreement is typically the safest approach.

What is the difference between interest rate and APR on a 15-year mortgage?

The interest rate is the annual cost of borrowing the principal. The APR (Annual Percentage Rate) is a broader figure that includes the interest rate plus lender origination fees, points paid, and certain closing costs, all expressed as a single annualized percentage. Because a 15-year loan has a shorter amortization period, upfront fees and points have a larger impact on the APR relative to a 30-year loan with the same costs. The APR is the best number for comparing total loan costs across lenders on an apples-to-apples basis.

Should I pay mortgage points on a 15-year loan?

Paying points (discount points) upfront to lower your rate can make sense on a 15-year loan if you plan to keep the mortgage long enough to recover the upfront cost through monthly savings. Because the 15-year term is shorter than a 30-year, you have fewer months to recoup the investment — making break-even analysis especially important. Divide the cost of the points by the monthly savings from the lower rate to find your break-even month. If you expect to keep the loan past that point, paying points is likely worthwhile.

Can I refinance into a 15-year mortgage?

Yes, and it is one of the most common reasons homeowners refinance. Refinancing from a 30-year into a 15-year mortgage lets you lock in a lower rate, build equity faster, and eliminate debt sooner — often saving hundreds of thousands in total interest. The key considerations are whether you can absorb the higher monthly payment, whether the rate improvement justifies the closing costs (typically 2%–5% of the loan balance), and whether your break-even timeline aligns with your planned length of stay.

How are 15-year mortgage rates determined?

Lenders price 15-year fixed mortgage rates primarily based on the yield of 10-year U.S. Treasury bonds — the same benchmark used for 30-year mortgages — but the spread above Treasuries is typically smaller because 15-year loans carry less duration risk and default risk for the lender. When Treasury yields rise (driven by Federal Reserve policy, inflation data, or economic strength), 15-year rates rise in tandem. Individual quotes also depend on credit score, down payment, loan-to-value ratio, property type, and the lender's own cost of capital.

What are today's best 15-year fixed mortgage rates?

HawaiiUSA Federal Credit Union: 4.12% (15 Year Fixed Rate)
MembersAlliance Credit Union: 4.75% (15 Year Fixed Rate)
First Priority Credit Union Boston, MA: 5.25% (15 Year Fixed)
First Citizens Federal Credit Union: 5.00% (15-Year Fixed)
Members Community Credit Union: 5.25% (15-Year Fixed)

30-Year Fixed rates reflect actual verified offers from lenders actively lending to borrowers nationally. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated: May 10, 2026