Today's 30-year fixed mortgage market includes offers such as OlyFed Olympia Federal S&LOlyFed Olympia Federal S&L24081 Ne State Route 3, Belfair, WA 98501A+5.0 ★Texas Ratio: 2.38% offering 30-Year Fixed (Affordable Construction Program) at 4.25%, and Institution for SavingsInstitution for Savings112 County Rd, Amesbury, MA 01913A+5.0 ★Texas Ratio: 0.11% offering 30 Year Fixed at 4.99%, and Ontario-Montclair School Employees Federal Credit UnionOntario-Montclair School Employees Federal Credit Union1520 N Palmetto Ave, Ontario, CA 91762A+5.0 ★Texas Ratio: 0.39% offering 30 Year Fixed Rate Mortgage at 4.99%, and First Citizens Federal Credit UnionFirst Citizens Federal Credit Union1341 COVE RD, East Wareham, MA 02538A+5.0 ★Texas Ratio: 2.23% offering 30-Year Fixed at 5.00%, and Northfield BankNorthfield Bank1 Hyatt St, Avenel, NJ 07001A+5.0 ★Texas Ratio: 1.88% offering 30 Year Fixed Rate Affordable Mortgage at 5.25%.
The 30-year fixed mortgage is the most popular home loan in the United States, prized for its predictable monthly payment and long amortization period that keeps monthly costs manageable. Whether you are a first-time homebuyer or refinancing an existing loan, comparing rates across lenders is the single most effective way to save — even a 0.25% rate difference on a $400,000 loan saves over $20,000 in total interest over 30 years. We empower borrowers with transparent financial health metrics — including A–F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a stable institution with confidence.
30-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: March 22, 2026
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Limited Special Offer
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Quoted rates include a 60 day rate lock. Maximum loan amount for a conforming loan is $806,500. Affordable Mortgage Program available for Residential First Mortgage loans for owner-occupied primary 1 to 2-family residences for those in Hunterdon, Mercer, Middlesex, and Union counties in New Jersey and Richmond and Kings counties in New York and either: (a.) are purchasing or refinancing a home in a low or moderate-income (LMI) census tract OR (b.) whose income is less than 80% of the county median income.
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Built-In End of Watch Loan Protection on Every Eligible Mortgage!**
Promotional rate subject to credit qualification and program type (purchases and rate/term refinances vs. cash-out). End of Watch Loan Protection is available only for qualifying officer, firefighter or EMT and may not be purchased outright. This debt cancellation benefit only applies in the case of death. See loan addendum upon closing for details.
Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 30 years
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As Low As; 60 DAY LOCK
As Low As
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$300,000
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$200,000
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$100,000
$100,000
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20% Down
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Example Monthly Payment: On a $200,000.00 loan with a 5.84% rate and a 5.882% APR, you would have 360 monthly payment of $1,178.96 (excluding taxes and insurance). Rate available to qualified buyers with an average credit score of 650 or higher.
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As Low As
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1% Origination
$300,000
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Loan Amount: $300,000
Loan amount not to exceed $499,999
$200,000
Purchase: 30-Year Fixed Conventional $832750 or less
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Up to 80% Loan to Value
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UP TO 80% LTV
UP TO 80% LTV
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Fixed payment examples: A $420,000, 30-year fixed rate at an interest rate of 5.875% (5.931% APR) would have a monthly principal and interest payment equal to $2,484. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
A $420,000 30-year fixed rate at an interest rate of 5.875% (5.931% APR) would have a monthly principal and interest payment equal to $2,484. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
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Based on a $100,000 loan for the specified term
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$50,000; As Low As
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20% Down
Purchase: 30-Year Fixed Conventional $200000 or less
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$200000 or less
$200000
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As Low As; Loan Amount: $226-250K
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As Low As; POINTS MAY APPLY
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Fixed 360 Months
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0% Origination
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Purchase: 30-Year Fixed Conventional $100000 or less
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$100000 or less
$100000
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See note 1
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Jumbo
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Purchase
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for Qualified Borrowers
$832750 or less
$832750
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Purchase: 30-Year Fixed Conventional $300000 or less
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$300000 or less
$300000
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As Low As; Rate
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As Low As; Loan Amount: $351K+
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Direct-Sourced & Verified Rate Data: Every 30-year fixed mortgage rate on this page is sourced directly from the official website of the lending institution — no estimates, no national survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.
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 30-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.