Best 15-Year Fixed Mortgage Rates Today - June 2026 | As Low As 4.63%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Today's 15-year fixed mortgage market includes offers such as First Priority Credit Union Boston, MAFirst Priority Credit Union Boston, MA100 SWIFT ST, BOSTON, MA 02128 1864A+5.0 ★Texas Ratio: 2.65% offering 15 Year Fixed at 5.25%, 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 Central Credit Union of IllinoisCentral Credit Union of Illinois1001 Mannheim Rd, Bellwood, IL 60104A+5.0 ★Texas Ratio: 3.49% offering 15-year fixed-rate mortgage at 4.99%, and Regional Federal Credit UnionRegional Federal Credit Union10909 Randolph St, Hammond, IN 46307A+5.0 ★Texas Ratio: 4.25% offering 15 Year Fixed Mortgage at 4.99%, and Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union110 Outlet Pointe Blvd, Charlotte, NC 27612A+5.0 ★Texas Ratio: 3.88% 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: June 26, 2026
Compare 15-Year Fixed Mortgage Rates Today
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Special mortgage offer! Plus up to $500 off closing costs!
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Conventional; Call Leslie or Madison today at 816-279-5656 to help you with your mortgage loan!
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As Low As; Downpayment: 5%; PMI:
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A $200,000.00 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 180 principal and interest monthly payments of $1,620.93 based on a 15 Year Fixed Rate at 5.375% with 1.750 points and 5.872% APR. Advertised rates are based on a purchase transaction and available only to qualified owner-occupants of residential real estate located in the State of Hawaii. Maximum loan amount is $1,249,125 for Honolulu, Kauai and Hawaii counties and $1,299,500 for Maui and Kalawao counties. Rates effective 6/12/26 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.
Up to 1.0 points**
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As Low As; Fixed Rate*
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60 DAY LOCK; as low as
60 DAY LOCK; as low as
Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 15 years
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View rates page for full disclosure details.
Contact the credit union for details.
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Rate Lock: 120 days
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Annual Percentage Rate. 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 05/29/2026. APR is based on <= 90% loan to value and include $399.00 in origination costs. For limited cash out refinance or purchase.
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Mortgage rates are current as of May 27, 2026, and are subject to change at any time.
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Maximum Loan Amount: See note 1
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Primary Dwelling or Second Home; <=80% LTV; A+ Rated Credit; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable; Example payment on a $100,000 value home and loan of $90,000, 15-year fixed-rate mortgage at 5.75% rate is $747.65/month. Payments quoted do not include taxes and insurance, which are the borrower's responsibility. Including taxes and insurance will increase the actual payment obligation. 15-Year Fixed Rate Mortgage rates are based on individual creditworthiness. RATES SUBJECT TO CHANGE WITHOUT NOTICE.
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Maximum Loan Amount: See note 1
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The rates shown are for the purchase of a primary residence with no points paid. Contact a Home Loan Expert for refinancing rates.
Origination Fee: $4,425
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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 5.687%. 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.
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Rates are subject to change and based on creditworthiness. Other rates may apply. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors. Rate scenarios are based on a 30-day lock.
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Interest Rate
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5.843%
As Low As; Starting at 5.75%
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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. 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. 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.
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Monthly Payment Per $1000 Borrowed: $8.30
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80% Loan to Value
Fully Indexed Rate: N/A
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The Mortgage Rates and Annual Percentage Rates (APRs) shown above are the current rates as of 06/04/2026 for a Rate & Term Refinance (No Cash-out) Loan with 360 monthly payments of $1,297.20 for 30 years and 180 monthly payments of $1,660.83 for 15 years. Monthly payments include principal and interest and do not include property taxes and insurance premiums. The actual payment will be greater. The rates and payments are based on the following assumptions: property is a single-family primary residence located in Cook County, IL based on a 30-day lock period, conforming loan amount of $200,000.00, a first lien position with a loan-to-value (LTV) of 80%, and a credit score of 780. Interest rate and program terms are subject to change without notice and may be subject to pricing adjustments related to loan type, property type, property location, occupancy type, loan amount, loan-to-value, credit score, refinance with cash out and other conditions. Your final rate, points, finance charges and costs may be higher or lower than those shown above based on information relating to these factors, which may be determined after you apply. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown above is based on the interest rate and any discount points. It does not take into account any other loan specific finance charges or costs that you may be required to pay. Loan approval is subject to credit approval and program guidelines. Property insurance is required, and flood insurance may be required. Mortgage insurance may be required depending upon loan guidelines. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. FNB Home Mortgage is a division of First Nations Bank NMLS #756040
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Effective Date: June 16, 2026
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180 payments of $1,245.62 at an interest rate of 5.750%
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Note Rate: 5.750%; APR*: 5.845%
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Rates and Terms are subject to credit approval.
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Monthly Principal & Interest Payments Based on $100,000 Loan: 180 equal and consecutive monthly payments of $830.41
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Primary Dwelling or Second Home; <=90% LTV; A+ Rated Credit; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable; Example payment on a $100,000 value home and loan of $90,000, 15-year fixed-rate mortgage at 5.75% rate is $747.65/month. Payments quoted do not include taxes and insurance, which are the borrower's responsibility. Including taxes and insurance will increase the actual payment obligation. 15-Year Fixed Rate Mortgage rates are based on individual creditworthiness. RATES SUBJECT TO CHANGE WITHOUT NOTICE.
Number of Monthly Payments: 180
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For Mortgage terms of 15 years estimated monthly payment is $8.38 per $1,000 borrowed.
as low as; Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock.
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As Low As; 6.004%
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Rates are subject to change without notice. Rates are based on the following assumptions: Maximum loan amount of $832,750, down payment of 20%, 80% LTV, 720+ credit, single family residence, owner-occupied, purchase or rate/term transaction, no subordinate financing, NJ property. The rate lock period is 30 days and rates are subject to market conditions thereafter. Loans are subject to credit approval.
As Low As; Downpayment as low as* 20%; PMI
As low as 5.880%
Refinance
As Low As; Monthly Payment: $1,370.18
AS LOW AS
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Origination Fee: $1,425
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Purchase Rate: 5.750%; Refinance Rate: 5.875%
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20% Down on $200,000 Mortgage, 180 monthly payments of $1,674.24
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Assumes $200,000 loan. Payments exclude taxes/insurance. For those who qualify. Rate as of 6/16/2026 and subject to change.
As low as 5.948%
Discount: (0.125%)
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As low as 3% down payment options available.
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As Low As; Interest Rates*
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Member is responsible for 1% loan origination fee (point). Member is responsible for title & escrow fees, (range from $1,700.00 to $2,350.00 depending on loan amount). All points & fees may be deducted from loan proceeds at closing. Credit Union does not require or offer Escrow / Impound accounts.
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The rate details shown assume the following: The property being purchased is located in Brookfield, Wisconsin and is a single family home to be used as a primary residence. The estimated value is $600,000, down payment is $180,000 and loan amount is $420,000. An escrow account may be required and, in that event, the actual monthly payment will also include an amount for real estate taxes. The standard rate lock period is 45 days and the assumed credit score is 780. Loan Amount: $420,000.00 Property Value: $600,000.00 Number of Payments 179 Payment Amount $3,532.86 Number of Payments 1 Payment Amount $3,532.63
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Loan Amounts: Up To $250,000
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Per $1000 Borrowed
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Rates include 0.125% autopay and paperless discount. Estimated Monthly Payment: $2,511.36. The information provided assumes the purpose of the loan is to refinance the existing mortgage, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Columbus, OH and is within Franklin county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 5.875% interest rate, the APR for this loan type is 6.013%. The monthly payment schedule would be: 179 payments of $2,511.36 at an interest rate of 5.875%, 1 payment of $2,510.53 at an interest rate of 5.875%. Rates listed above are for conforming refinance loans, are effective as of 06/15/2026 9:08 AM CT and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.
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Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty.
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Par rate (no discount points). Your specific rate will be based on your unique circumstances and may differ from the rates shown.
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Monthly payment estimates are based on single family, owner occupied, 760 credit score, purchase transaction, no secondary financing, non-condo, 30 day lock. Actual closing costs may be higher or lower depending on where the property is located.
As Low As; APR is calculated based on a mortgage loan amount of $175,000.00; purchase or no cash-out refinance with 80% financing and 740 and higher credit score. No points.
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Monthly Payment Per $1000 Borrowed: $8.44
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Payment example: On a $300,000 owner occupied (primary residence) home loan at a rate of 5.750% for 15 years, the monthly payment would be $2,491.23. Payment does not include applicable taxes and insurance and may result in a higher payment. Rates updated June 1, 2026 and are subject to change without notice. Rates are based on an evaluation of your credit history and other factors, so your rate may differ. The APR and monthly payment examples assume a 25% down payment on a purchase or no-cash out refinance with a 740 credit score on a 1 unit owner occupied (primary residence). If the down payment is less than 20%, private mortgage insurance (PMI) will be required on the loan and could result in an increased APR and payment. Rate locks - 60 days - No Fee. We are unable to support mortgage loans in Hawaii, Massachusetts, New York, Rhode Island, Washington DC or Vermont.
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Minimum Down Payment: 3%; Property Type: Owner Occupied 1-4 Family Residence
Primary Dwelling or Second Home; <=90% LTV; A Rated Credit; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable; Example payment on a $100,000 value home and loan of $90,000, 15-year fixed-rate mortgage at 5.75% rate is $747.65/month. Payments quoted do not include taxes and insurance, which are the borrower's responsibility. Including taxes and insurance will increase the actual payment obligation. 15-Year Fixed Rate Mortgage rates are based on individual creditworthiness. RATES SUBJECT TO CHANGE WITHOUT NOTICE.
Based on a $100,000 loan for the specified term
As low as 6.074%
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As Low As; Select Check All Mortgage Rates for Details
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For a $250,000 Loan
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720 minimum credit score required.
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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 0.016 points over the past 7 days to 6.102%, up from 6.086% 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?
- First Priority Credit Union Boston, MA: 5.25% (15 Year Fixed)
- West Virginia Federal Credit Union: 4.99% (15 Year Fixed Rate)
- Central Credit Union of Illinois: 4.99% (15-year fixed-rate mortgage)
- Regional Federal Credit Union: 4.99% (15 Year Fixed Mortgage)
- Carolinas Telco Federal Credit Union: 5.25% (15-Year Fixed)
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