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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

iAdvertiser Disclosure Rate Trends

Best 30-Year Fixed Mortgage Rates Today - October 2026 | As Low As 5.63%

Q: What are today's best 30-year fixed mortgage rates?

Recent 30-year fixed rates observed include: Advance Financial Federal Credit Union: 5.62% (30-Year Fixed Mortgage)Institution for Savings: 5.62% (30 Year Fixed)Frost Bank: 5.75% (30-year fixed-rate (Income-based) Mortgage)Thrive Federal Credit Union: 5.75% (New Fixed Rate Mortgage - 30 Year Fixed)Hill District Federal Credit Union: 5.75% (30-Year Fixed Mortgage). Last Updated and Verified: October 12, 2026. Rates are subject to change daily based on bond market conditions.

Q: What is a 30-year fixed-rate mortgage?

A 30-year fixed-rate mortgage is a home loan with an interest rate that remains the same for the entire 30-year repayment term. Because the rate never changes, your principal and interest payment stays identical every month. It is the most widely used mortgage product in the United States, favored for its predictability and lower monthly payment compared to shorter-term loans.

Q: What is the monthly payment on a 30-year mortgage?

Monthly payment depends on the loan amount, rate, and any escrow items. As a rough guide: on a $400,000 30-year fixed loan at 6.75%, the principal and interest payment is approximately $2,594/month. At 7.00%, the same loan is roughly $2,661/month. Use our Mortgage Payment Calculator for an exact figure based on your down payment, loan amount, and current rate.

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

A 30-year mortgage offers a lower monthly payment than a 15-year mortgage because the principal is spread over twice as many payments. However, you pay significantly more total interest over the life of the loan. For example, on a $400,000 loan at 6.75%, a 30-year term costs roughly $534,000 in total interest versus approximately $225,000 on a 15-year term at 6.25%. The 15-year comes with a higher payment but builds equity much faster.

Q: How does my credit score affect my 30-year mortgage rate?

Credit score is one of the biggest factors lenders use to price a 30-year fixed mortgage. Borrowers with scores above 760 typically qualify for the lowest available rates. Scores between 700–759 usually see rates 0.25%–0.50% higher. Scores below 680 can result in rates 0.75%–1.50% above the best-tier pricing, which can add tens of thousands of dollars in interest over 30 years.

Q: Should I lock my 30-year mortgage rate?

If you are satisfied with your quoted rate and are concerned that rates could rise before closing, locking the rate is generally advisable. Most lenders offer 30- to 60-day rate locks at no cost. Longer locks (90 days) may carry a small fee. A rate lock guarantees your interest rate for the lock period regardless of market movements, protecting you from unexpected increases before your loan closes.

Q: What is the difference between interest rate and APR on a 30-year mortgage?

The interest rate is the annual cost of borrowing the principal, expressed as a percentage. The APR (Annual Percentage Rate) is a broader measure that includes the interest rate plus lender fees, points, and certain closing costs rolled into a single annualized figure. The APR gives a more complete picture of the true cost of a 30-year mortgage and is the best number to compare across lenders.

Q: What are mortgage points and should I pay them on a 30-year loan?

Mortgage points (also called discount points) are upfront fees paid to the lender at closing to reduce your interest rate — typically 1 point = 1% of the loan amount and lowers the rate by roughly 0.25%. On a 30-year loan, paying points can make financial sense if you plan to stay in the home long enough to recoup the upfront cost through monthly savings. Divide the cost of the points by your monthly savings to find your break-even month.

Q: Can I refinance a 30-year mortgage?

Yes. Many homeowners refinance their 30-year mortgage to secure a lower interest rate, reduce monthly payments, shorten the loan term, or tap home equity. Refinancing involves closing costs (typically 2%–5% of the loan balance), so it's important to calculate your break-even point. If you plan to stay in the home beyond the break-even period, refinancing is usually worthwhile when rates have dropped at least 0.50%–0.75% below your current rate.

Q: How are 30-year mortgage rates determined?

Lenders price 30-year fixed mortgage rates primarily based on the yield of 10-year U.S. Treasury bonds, adding a spread to cover credit risk, servicing costs, and profit. When Treasury yields rise (often driven by Federal Reserve policy, inflation data, or strong economic reports), mortgage rates tend to rise in tandem. Individual rate quotes also depend on your credit score, down payment, loan-to-value ratio, property type, and the lender's own capital cost.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Last Updated: October 12, 2026

30-year fixed mortgage rates range from 5.62% to 7.15%, verified by MonitorBankRates as of October 12, 2026. Today's 30-year fixed mortgage market includes offers such as Advance Financial Federal Credit UnionAdvance Financial Federal Credit Union31 W US Highway 30, East Chicago, IN 46312A+5.0 ★Texas Ratio: 2.82% offering 30-Year Fixed Mortgage at 5.62%, and Institution for SavingsInstitution for Savings112 County Rd, Amesbury, MA 01913A+5.0 ★Texas Ratio: 0.22% offering 30 Year Fixed at 5.62%, and Frost BankFrost Bank1000 N Walnut Creek Dr, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51% offering 30-year fixed-rate (Income-based) Mortgage at 5.75%, and Thrive Federal Credit UnionThrive Federal Credit Union2610 N Wheeling Ave, Muncie, IN 47302 9405A+5.0 ★Texas Ratio: 5.88% offering New Fixed Rate Mortgage - 30 Year Fixed at 5.75%, and Hill District Federal Credit UnionHill District Federal Credit Union2021 Centre Ave, Pittsburgh, PA 15219 6301C+4.2 ★Texas Ratio: 25.14% offering 30-Year Fixed Mortgage at 5.75%.

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 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: October 12, 2026

Compare 30-Year Fixed Mortgage Rates Today

Today's 30-Year Fixed Rate Context: The average 30-year fixed mortgage rate is 7.370%, up 0.021% from last week. The table below shows verified 30-year fixed rate offers from banks and credit unions. Source: Verified Mortgage Rate Data provided by MonitorBankRates.com.

Source: Verified Mortgage Rate Data provided by MonitorBankRates.com

Lender

Product

Term

Rate

APR ▲

Profile

Advance Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.82%

31 W US Highway 30, East Chicago, IN 46312

30-Year Fixed Mortgage

30 Year

5.62%

View

▼

Rate5.62%

APR5.62%

Points0.000

UpdatedOct 9, 2026

Address31 W US Highway 30, East Chicago, IN 46312

Details

Rates starting at

Rate History

No change since Sep 14, 2026 · 5.63% APR · checked 9 times

Institution for Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.22%

112 County Rd, Amesbury, MA 01913

30 Year Fixed

30 years

5.62%

5.67%

View

▼

Rate5.62%

APR5.67%

Points0.000

UpdatedOct 7, 2026

Address112 County Rd, Amesbury, MA 01913

Details

No additional details available.

Rate History

2 changes since Sep 15, 2026 · 6.58% → 5.67% ▼ 0.91 pts · high 6.71% / low 5.67%

Oct 7, 20265.67%▼ from 6.71%
Oct 1, 20266.71%▲ from 6.58%
Sep 15, 20266.58%first recorded

Rivertrust Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

409 Riverwind Dr, Pearl, MS 39208 5917

30 Year Fixed

360 months

5.75%

View

▼

Rate

APR5.75%

Points0.000

UpdatedOct 12, 2026

Address409 Riverwind Dr, Pearl, MS 39208 5917

Details

No additional details available.

Rate History

1 change since Sep 25, 2026 · 6.50% → 5.75% ▼ 0.75 pts · high 6.50% / low 5.75%

Oct 12, 20265.75%▼ from 6.50%
Sep 25, 20266.50%first recorded

Frost Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

1000 N Walnut Creek Dr, Addison, TX 75001

30-year fixed-rate (Income-based) Mortgage

30 years

5.75%

5.83%

View

▼

Rate5.75%

APR5.83%

Points0.000

UpdatedOct 7, 2026

Address1000 N Walnut Creek Dr, Addison, TX 75001

Details

No additional details available.

Rate History

No change since Oct 7, 2026 · 5.83% APR · checked 2 times

Thrive Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.88%

2610 N Wheeling Ave, Muncie, IN 47302 9405

New Fixed Rate Mortgage - 30 Year Fixed

30 Year

5.75%

5.85%

View

▼

Rate5.75%

APR5.85%

Points0.000

UpdatedOct 12, 2026

Address2610 N Wheeling Ave, Muncie, IN 47302 9405

Details

New Fixed Rate Mortgage!

Rate History

No change since Oct 12, 2026 · 5.85% APR

Hill District Federal Credit Union

Institution Rating:

C+4.2 ★Texas Ratio: 25.14%

2021 Centre Ave, Pittsburgh, PA 15219 6301

30-Year Fixed Mortgage

30 years

5.75%

5.89%

View

▼

Rate5.75%

APR5.89%

Points0.000

UpdatedOct 9, 2026

Address2021 Centre Ave, Pittsburgh, PA 15219 6301

Details

No additional details available.

Rate History

No change since Sep 14, 2026 · 5.89% APR · checked 6 times

Educational Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.58%

1070 E Teague Ave, Clovis, CA 93230 4938

30 Year Fixed Rate - Primary Residence

30 Year

5.75%

5.90%

View

▼

Rate5.75%

APR5.90%

Points0.000

UpdatedOct 9, 2026

Address1070 E Teague Ave, Clovis, CA 93230 4938

Details

No additional details available.

Rate History

No change since Sep 29, 2026 · 5.90% APR · checked 6 times

Actors Federal Credit Union

Institution Rating:

A-5.0 ★Texas Ratio: 15.48%

165 W 46th St, Chicago, CA 10036 1308

30 Year Fixed-Rate Mortgage

30 Year

5.79%

5.91%

View

▼

Rate5.79%

APR5.91%

Points0.000

UpdatedOct 9, 2026

Address165 W 46th St, Chicago, CA 10036 1308

Details

No additional details available.

Rate History

No change since Sep 14, 2026 · 5.91% APR · checked 3 times

JTNB

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

12 Broadway, Jim Thorpe, PA 18229

Current Mortgage - 30 Year Fixed

30 Year

5.85%

5.92%

View

▼

Rate5.85%

APR5.92%

Points0.000

UpdatedOct 12, 2026

Address12 Broadway, Jim Thorpe, PA 18229

Details

Term: 30 Year Fixed (or 360 monthly payments)

Rate History

1 change since Oct 8, 2026 · 6.42% → 5.92% ▼ 0.50 pts · high 6.42% / low 5.92%

Oct 12, 20265.92%▼ from 6.42%
Oct 8, 20266.42%first recorded

Riverfront Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.11%

2001 Museum Rd, Reading, PA 19607 1602

Mortgage 30 Year Fixed

30 Year

5.97%

View

▼

Rate

APR5.97%

Points0.000

UpdatedOct 12, 2026

Address2001 Museum Rd, Reading, PA 19607 1602

Details

APR based on $100,000 loan amount; rates posted are indications only and subject to change without notice

Rate History

No change since Oct 12, 2026 · 5.97% APR

Mutual S&L

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

2900 Clearview Pkwy, Mandeville, LA 70006

Easy Budgeting - Monthly (30yr) Loan

30 Years

5.98%

View

▼

Rate

APR5.98%

Points0.000

UpdatedOct 7, 2026

Address2900 Clearview Pkwy, Mandeville, LA 70006

Details

No additional details available.

Rate History

No change since Oct 7, 2026 · 5.98% APR

Mutual S&L

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

2900 Clearview Pkwy, Mandeville, LA 70006

Easy Budgeting - Bi-Weekly (30yr) Loan

~24.33 Years

5.98%

View

▼

Rate

APR5.98%

Points0.000

UpdatedOct 7, 2026

Address2900 Clearview Pkwy, Mandeville, LA 70006

Details

Total Savings: $50,078.55

Rate History

No change since Oct 7, 2026 · 5.98% APR

Florida Central Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.46%

10175 State Road 54, Bradenton, FL 33511 5706

Second Home Mortgages - 30 Year Fixed

30 years

5.85%

5.99%

View

▼

Rate5.85%

APR5.99%

Points0.000

UpdatedOct 10, 2026

Address10175 State Road 54, Bradenton, FL 33511 5706

Details

As low as

Rate History

No change since Oct 2, 2026 · 5.99% APR · checked 2 times

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.03%

1003 NW 22nd Ct, Alachua, FL 32055 6125

30-year fixed-rate, first-lien mortgage loan

30 years

5.90%

5.99%

View

▼

Rate5.90%

APR5.99%

Points0.000

UpdatedOct 10, 2026

Address1003 NW 22nd Ct, Alachua, FL 32055 6125

Details

As low as 5.99% Annual Percentage Rate (APR) for a 30-year fixed-rate, first-lien mortgage loan, 80% loan-to-value. Available to qualified borrowers with a minimum 720 credit score for a primary residence. Applications must be received October 1-31, 2026, and close within 90 days of application receipt. Subject to credit approval, collateral, and underwriting requirements. The advertised rate and promotional terms are not guaranteed until the loan is rate-locked in accordance with Radiant Credit Union's rate-lock procedures. Eligible transactions include purchase loans (1st Lien), one-time-close construction-to-permanent loans (1st Lien), and refinances of mortgage loans (1st Lien) not currently held by Radiant Credit Union. For qualifying One-Time Close construction-to-permanent loans, Radiant Credit Union will waive its 1.00% origination fee. Other closing costs, prepaid items, escrow deposits, and third-party fees may apply. Interest rate buydown programs are unavailable with this offer. Payment example: A $300,000.00 mortgage purchase loan for 30 years at a rate of 5.90% results in a 5.99% APR and an estimated monthly principal and interest payment of $1,779.41. Payment quoted does not include escrows for property taxes and insurance premiums. If required to escrow for taxes and insurance, the monthly payment amount will be higher. Membership eligibility required. NMLS ID 408361

Rate History

No change since Oct 10, 2026 · 5.99% APR

WCU Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.49%

2505 Highway 31 S, Decatur, AL 35603 1503

30 Yr Mortgage

30 years

6.00%

View

▼

Rate

APR6.00%

Points0.000

UpdatedOct 9, 2026

Address2505 Highway 31 S, Decatur, AL 35603 1503

Details

As Low As; Featured Rate

Rate History

1 change since Sep 14, 2026 · 8.00% → 6.00% ▼ 2.00 pts · high 8.00% / low 6.00%

Sep 18, 20266.00%▼ from 8.00%
Sep 14, 20268.00%first recorded

Chemcel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

1901 S US Highway 77 Byp, Alice, TX 77414 3890

30-Year Fixed Mortgage

30 years

6.05%

View

▼

Rate

APR6.05%

Points0.000

UpdatedOct 12, 2026

Address1901 S US Highway 77 Byp, Alice, TX 77414 3890

Details

As Low As; Partner: Member First Mortgage, LLC (MFM); APR* = Annual Percentage Rate

Rate History

1 change since Oct 2, 2026 · 5.88% → 6.05% ▲ 0.18 pts · high 6.05% / low 5.88%

Oct 12, 20266.05%▲ from 5.88%
Oct 2, 20265.88%first recorded

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.70%

1 Main St, Amherst, MA 01002

Welcome Home - 30-Year Fixed Rate

30-Year

6.00%

6.06%

View

▼

Rate6.00%

APR6.06%

Points0.000

UpdatedOct 11, 2026

Address1 Main St, Amherst, MA 01002

Details

No additional details available.

Rate History

1 change since Sep 15, 2026 · 5.68% → 6.06% ▲ 0.38 pts · high 6.06% / low 5.68%

Sep 27, 20266.06%▲ from 5.68%
Sep 15, 20265.68%first recorded

First Citizens Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.13%

1341 COVE RD, East Wareham, MA 02538

30-Year Fixed

30-Year

6.00%

6.07%

View

▼

Rate6.00%

APR6.07%

Points0.000

UpdatedOct 9, 2026

Address1341 COVE RD, East Wareham, MA 02538

Details

No additional details available.

Rate History

No change since Sep 18, 2026 · 6.07% APR · checked 7 times

Safe 1 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.69%

1008 Fremont St, Bakersfield, CA 93215

30-Year Fixed Rate Home Loan

30-Year

6.00%

6.08%

View

▼

Rate6.00%

APR6.08%

Points0.000

UpdatedOct 9, 2026

Address1008 Fremont St, Bakersfield, CA 93215

Details

No additional details available.

Rate History

No change since Oct 9, 2026 · 6.09% APR

AllCom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.25%

36 Park Ave, Worcester, MA 01609

30 Year Fixed

30 Years

6.00%

6.09%

View

▼

Rate6.00%

APR6.09%

Points0.000

UpdatedOct 10, 2026

Address36 Park Ave, Worcester, MA 01609

Details

Rate As Low As; Conforming Fixed Rate Loan Limits: 1 family $$766,550; 2 family $981,500; 3 family $1,186,350; 4 family $1,474,400. Payment/$1,000 does not include amounts for taxes and insurance premiums. Rates advertised are the best currently available based on credit-worthiness, collateral value and income requirements. Other rates, terms and programs are available. Please contact our mortgage lending department at 508.754.9980 for complete details.

Rate History

No change since Sep 30, 2026 · 6.09% APR · checked 4 times

Educational Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.58%

1070 E Teague Ave, Clovis, CA 93230 4938

USDA 30 Yr Fixed

30 Yr

6.00%

6.13%

View

▼

Rate6.00%

APR6.13%

Points0.000

UpdatedOct 9, 2026

Address1070 E Teague Ave, Clovis, CA 93230 4938

Details

No additional details available.

Rate History

No change since Oct 9, 2026 · 6.13% APR · checked 3 times

Ukrainian Selfreliance Michigan Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.83%

11838 Joseph Campau St, Hamtramck, MI 48091 4073

USMFCU 30 Year Fixed Mortgage

30 Year

6.00%

6.15%

View

▼

Rate6.00%

APR6.15%

Points0.000

UpdatedOct 12, 2026

Address11838 Joseph Campau St, Hamtramck, MI 48091 4073

Details

Effective Date: Monday, September 14th, 2026

Rate History

4 changes since Sep 12, 2026 · 6.15% → 6.15% ▼ 0.00 pts · high 6.81% / low 6.15%

Oct 12, 20266.15%▼ from 6.81%
Oct 4, 20266.81%▲ from 6.55%
Oct 2, 20266.55%▲ from 6.34%
Sep 17, 20266.34%▲ from 6.15%

PNB of Kewanee

Institution Rating:

B4.7 ★Texas Ratio: 19.21%

109 W Maple Ave, Annawan, IL 60420

30 Year Fixed Mortgages

30 years

5.96%

6.19%

View

▼

Rate5.96%

APR6.19%

Points0.000

UpdatedOct 12, 2026

Address109 W Maple Ave, Annawan, IL 60420

Details

No additional details available.

Rate History

No change since Oct 8, 2026 · 6.19% APR · checked 2 times

Pittsfield Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.25%

110 Dalton Ave, Dalton, MA 01201

First Home - 30 Year Fixed

30 years

6.12%

6.21%

View

▼

Rate6.12%

APR6.21%

Points0.000

UpdatedOct 12, 2026

Address110 Dalton Ave, Dalton, MA 01201

Details

Up to 89% financing with no mortgage insurance required.

Rate History

No change since Oct 8, 2026 · 6.21% APR · checked 2 times

Wasatch Peaks Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.78%

1 Browning Pl, Mountain Green, UT 84050 9326

30-Yr Fixed Long Term

6.24%

View

▼

Rate

APR6.24%

Points0.000

UpdatedOct 9, 2026

Address1 Browning Pl, Mountain Green, UT 84050 9326

Details

10 year call

Rate History

No change since Sep 18, 2026 · 6.24% APR · checked 5 times

GenFed Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.88%

121 S Union St, Akron, IL 43506

30 Year Mortgage (Fixed)

6.24%

View

▼

Rate

APR6.24%

Points0.000

UpdatedOct 10, 2026

Address121 S Union St, Akron, IL 43506

Details

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

Rate History

1 change since Sep 18, 2026 · 5.49% → 6.24% ▲ 0.75 pts · high 6.24% / low 5.49%

Oct 10, 20266.24%▲ from 5.49%
Sep 18, 20265.49%first recorded

Postal and Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.93%

3921 Oakland Ave, Saint Joseph, MO 64485

First Mortgage - 30 Year Fixed Rate - Conventional

30 Year

6.25%

View

▼

Rate

APR6.25%

Points0.000

UpdatedOct 9, 2026

Address3921 Oakland Ave, Saint Joseph, MO 64485

Details

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

Rate History

No change since Oct 9, 2026 · 6.25% APR

Telco Plus Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

1010 S SOUTHEAST LOOP 323, Kilgore, TX 75604

Mortgage - 30 Year Fixed

30 Year

6.25%

View

▼

Rate

APR6.25%

Points0.000

UpdatedOct 9, 2026

Address1010 S SOUTHEAST LOOP 323, Kilgore, TX 75604

Details

As Low As

Rate History

2 changes since Sep 18, 2026 · 6.35% → 6.25% ▼ 0.10 pts · high 6.35% / low 6.10%

Oct 2, 20266.25%▲ from 6.10%
Oct 1, 20266.10%▼ from 6.35%
Sep 18, 20266.35%first recorded

Florida Central Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.46%

10175 State Road 54, Bradenton, FL 33511 5706

30-Year Fixed Mortgage

30 years

5.99%

6.25%

View

▼

Rate5.99%

APR6.25%

Points0.000

UpdatedOct 10, 2026

Address10175 State Road 54, Bradenton, FL 33511 5706

Details

As low as

Rate History

No change since Oct 10, 2026 · 6.25% APR

Spencer Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.96%

1 Towne Ctr, Cliffside Park, NJ 07006

30 Year Fixed First Lien

30 Year

6.25%

View

▼

Rate6.25%

APR6.25%

Points0.000

UpdatedOct 7, 2026

Address1 Towne Ctr, Cliffside Park, NJ 07006

Details

No additional details available.

Rate History

No change since Sep 15, 2026 · 6.25% APR · checked 8 times

Harleysville Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.05%

1550 Hatfield Valley Rd, Harleysville, PA 18084

30 Yr. Fixed

30 years

6.25%

6.26%

View

▼

Rate6.25%

APR6.26%

Points0.000

UpdatedOct 11, 2026

Address1550 Hatfield Valley Rd, Harleysville, PA 18084

Details

No additional details available.

Rate History

3 changes since Sep 15, 2026 · 5.64% → 6.26% ▲ 0.63 pts · high 7.01% / low 5.64%

Oct 7, 20266.26%▼ from 7.01%
Oct 1, 20267.01%▲ from 6.64%
Sep 19, 20266.64%▲ from 5.64%
Sep 15, 20265.64%first recorded

Commonwealth Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

1172 River St, Boston, MA 02108

Mortgage - 30 Year Fixed

30 Year

6.25%

6.27%

View

▼

Rate6.25%

APR6.27%

Points0.000

UpdatedOct 7, 2026

Address1172 River St, Boston, MA 02108

Details

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

Rate History

1 change since Sep 24, 2026 · 6.02% → 6.27% ▲ 0.25 pts · high 6.27% / low 6.02%

Oct 1, 20266.27%▲ from 6.02%
Sep 24, 20266.02%first recorded

Institution for Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.22%

112 County Rd, Amesbury, MA 01913

First-Time/Affordable Homebuyer Loan - 30 Year Fixed

30 Year

6.00%

6.27%

View

▼

Rate6.00%

APR6.27%

Points2.000

UpdatedOct 7, 2026

Address112 County Rd, Amesbury, MA 01913

Details

All other Purchase and Refinance Loans; Minimum Credit Score: 720

Rate History

No change since Oct 7, 2026 · 6.27% APR

Education First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.82%

1121 S Magnolia St Ste 900, Beaumont, TX 75951 5624

30 Year Fixed Rate Mortgage

30 Year

6.00%

6.28%

View

▼

Rate6.00%

APR6.28%

Points0.000

UpdatedOct 9, 2026

Address1121 S Magnolia St Ste 900, Beaumont, TX 75951 5624

Details

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

Rate History

No change since Sep 14, 2026 · 6.28% APR · checked 5 times

PeoplesChoice Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.22%

23 Industrial Park Rd, Biddeford, ME 04005 3023

30-Year Fixed-Rate

30-Year

6.28%

View

▼

Rate

APR6.28%

Points0.000

UpdatedOct 10, 2026

Address23 Industrial Park Rd, Biddeford, ME 04005 3023

Details

Rates and Terms are subject to credit approval.

Rate History

No change since Sep 14, 2026 · 6.28% APR · checked 4 times

Champion Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.04%

16790 Centre Ct, Centennial, CO 80112

30 Year Fixed Home Loan

30 years

6.29%

View

▼

Rate

APR6.29%

Points0.000

UpdatedOct 7, 2026

Address16790 Centre Ct, Centennial, CO 80112

Details

According to Forbes, an average annual percentage rate of 6.29% represents the standard for a benchmark 30-year fixed home loan.

Rate History

No change since Sep 14, 2026 · 6.29% APR · checked 3 times

Reading Co-op Bank

Institution Rating:

A4.5 ★Texas Ratio: 0.72%

10 Wall St, Andover, MA 01803

30-Year Fixed Rate Mortgage

6.25%

6.29%

View

▼

Rate6.25%

APR6.29%

Points0.000

UpdatedOct 11, 2026

Address10 Wall St, Andover, MA 01803

Details

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

Rate History

No change since Oct 11, 2026 · 6.29% APR

Fall River Municipal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.89%

1110 Robeson St, Assonet, MA 02702

30 Year Fixed Rate Mortgage

30 Year

6.20%

6.30%

View

▼

Rate6.20%

APR6.30%

Points0.000

UpdatedOct 10, 2026

Address1110 Robeson St, Assonet, MA 02702

Details

No additional details available.

Rate History

1 change since Sep 27, 2026 · 6.02% → 6.30% ▲ 0.28 pts · high 6.30% / low 6.02%

Oct 1, 20266.30%▲ from 6.02%
Sep 27, 20266.02%first recorded

Central Credit Union of Illinois

Institution Rating:

A+5.0 ★Texas Ratio: 4.42%

1001 Mannheim Rd, Bellwood, IL 60104

30-Year Fixed-Rate Mortgages

30 Year

5.99%

6.32%

View

▼

Rate5.99%

APR6.32%

Points0.000

UpdatedOct 9, 2026

Address1001 Mannheim Rd, Bellwood, IL 60104

Details

No additional details available.

Rate History

No change since Sep 14, 2026 · 6.32% APR · checked 7 times

Cedar Point Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.72%

11100 Weymouth Ct, Charlotte Hall, MD 20603

30 Year Fixed Rate

30 years

6.12%

6.33%

View

▼

Rate6.12%

APR6.33%

Points0.000

UpdatedOct 12, 2026

Address11100 Weymouth Ct, Charlotte Hall, MD 20603

Details

Conventional Loans

Rate History

No change since Sep 25, 2026 · 6.33% APR · checked 5 times

Silver State Schools Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.25%

170 S Rainbow Blvd, Henderson, NV 89014

30-Year Fixed

30-Year

6.25%

6.37%

View

▼

Rate6.25%

APR6.37%

Points0.000

UpdatedOct 10, 2026

Address170 S Rainbow Blvd, Henderson, NV 89014

Details

As low as

Rate History

1 change since Sep 14, 2026 · 5.87% → 6.37% ▲ 0.50 pts · high 6.37% / low 5.87%

Sep 18, 20266.37%▲ from 5.87%
Sep 14, 20265.87%first recorded

Langley Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.20%

1055 W Mercury Blvd, Carrollton, NC 23060 5814

30 Year Fixed Rate Mortgage

30 years

6.38%

View

▼

Rate6.38%

APR6.38%

Points0.000

UpdatedOct 7, 2026

Address1055 W Mercury Blvd, Carrollton, NC 23060 5814

Details

As Low As; APR*

Rate History

No change since Sep 18, 2026 · 6.38% APR · checked 7 times

Country Bank for Savings

Institution Rating:

A5.0 ★Texas Ratio: 6.28%

1084 Main St, Belchertown, MA 01007

30 Year Fixed Rate Conventional Residential Owner-Occupied Loan

30 years

6.12%

6.38%

View

▼

Rate6.12%

APR6.38%

Points2.000

UpdatedOct 12, 2026

Address1084 Main St, Belchertown, MA 01007

Details

No additional details available.

Rate History

No change since Oct 8, 2026 · 6.38% APR · checked 2 times

Iron Workers SB

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

100 Ridge Rd, Aston, PA 19014

30 Year Fixed Rate

30 Year

6.12%

6.42%

View

▼

Rate6.12%

APR6.42%

Points3.000

UpdatedOct 7, 2026

Address100 Ridge Rd, Aston, PA 19014

Details

No additional details available.

Rate History

No change since Sep 15, 2026 · 6.42% APR · checked 8 times

St Annes Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.55%

130 High St, Dartmouth, MA 02719 3090

30-Year Fixed Rate Mortgage

30-Year

6.38%

6.43%

View

▼

Rate6.38%

APR6.43%

Points0.000

UpdatedOct 10, 2026

Address130 High St, Dartmouth, MA 02719 3090

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 6.18% → 6.43% ▲ 0.25 pts · high 6.43% / low 6.18%

Sep 24, 20266.43%▲ from 6.18%
Sep 14, 20266.18%first recorded

Institution for Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.22%

112 County Rd, Amesbury, MA 01913

First-Time/Affordable Homebuyer Loan - 30 Year Fixed

30 Year

6.25%

6.43%

View

▼

Rate6.25%

APR6.43%

Points1.000

UpdatedOct 7, 2026

Address112 County Rd, Amesbury, MA 01913

Details

All other Purchase and Refinance Loans; Minimum Credit Score: 720

Rate History

No change since Oct 7, 2026 · 6.43% APR

Peoples Alliance Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.34%

125 Wireless Blvd, Brooklyn, FL 10710 5599

30 Year Fixed Mortgage

30 Year

6.38%

6.43%

View

▼

Rate6.38%

APR6.43%

Points0.000

UpdatedOct 12, 2026

Address125 Wireless Blvd, Brooklyn, FL 10710 5599

Details

No additional details available.

Rate History

2 changes since Sep 14, 2026 · 6.43% → 6.43% ▼ 0.00 pts · high 6.93% / low 6.43%

Oct 12, 20266.43%▼ from 6.93%
Sep 25, 20266.93%▲ from 6.43%
Sep 14, 20266.43%first recorded

Canton Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.33%

671 Washington St, Canton, MA 02021

30 Year Fixed Rate First-Time Home Buyer

30 Year

6.38%

6.46%

View

▼

Rate6.38%

APR6.46%

Points0.000

UpdatedOct 11, 2026

Address671 Washington St, Canton, MA 02021

Details

No additional details available.

Rate History

No change since Oct 3, 2026 · 6.46% APR · checked 3 times

Pittsfield Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.25%

110 Dalton Ave, Dalton, MA 01201

30 Year Fixed

30 Year

6.38%

6.46%

View

▼

Rate6.38%

APR6.46%

Points0.000

UpdatedOct 12, 2026

Address110 Dalton Ave, Dalton, MA 01201

Details

No additional details available.

Rate History

No change since Sep 16, 2026 · 6.46% APR · checked 9 times

TLC Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.45%

1102 W Chicago Blvd, Adrian, MI 48131 8608

30 Year Fixed - Purchases

30 year

6.38%

6.47%

View

▼

Rate6.38%

APR6.47%

Points0.000

UpdatedOct 9, 2026

Address1102 W Chicago Blvd, Adrian, MI 48131 8608

Details

No additional details available.

Rate History

No change since Sep 14, 2026 · 6.47% APR · checked 8 times

Partners Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.65%

100 N First St Ste 400, Anaheim, CA 32821

30 Yr Fixed

6.48%

View

▼

Rate

APR6.48%

Points0.000

UpdatedOct 9, 2026

Address100 N First St Ste 400, Anaheim, CA 32821

Details

My Rate FL Average - 30 Yr Fixed: 6.986% APR *

Rate History

No change since Oct 9, 2026 · 6.48% APR

Piedmont FSB

Institution Rating:

A+5.0 ★Texas Ratio: 0.60%

1040 Southpark Blvd, Boone, NC 27012

30-Year Fixed

6.40%

6.49%

View

▼

Rate6.40%

APR6.49%

Points0.750

UpdatedOct 11, 2026

Address1040 Southpark Blvd, Boone, NC 27012

Details

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

Rate History

No change since Sep 15, 2026 · 6.49% APR · checked 8 times

TopLine Financial Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.54%

11121 Fountains Dr, Bloomington, MN 55014 1778

Mortgage - 30 Year Fixed

30 Year

6.25%

6.49%

View

▼

Rate6.25%

APR6.49%

Points0.000

UpdatedOct 10, 2026

Address11121 Fountains Dr, Bloomington, MN 55014 1778

Details

No additional details available.

Rate History

No change since Sep 27, 2026 · 6.49% APR · checked 4 times

R-G Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

400 Towne Center Drive, BELTON, MO 64012

30 Year Fixed

30 Year

6.50%

View

▼

Rate

APR6.50%

Points0.000

UpdatedOct 9, 2026

Address400 Towne Center Drive, BELTON, MO 64012

Details

As Low As; First Mortgage - Purchase

Rate History

No change since Oct 9, 2026 · 6.50% APR

R-G Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.39%

400 Towne Center Drive, BELTON, MO 64012

First Mortgage - Purchase 30 Year Fixed

30 Year

6.50%

View

▼

Rate

APR6.50%

Points0.000

UpdatedOct 9, 2026

Address400 Towne Center Drive, BELTON, MO 64012

Details

As Low As; *

Rate History

1 change since Sep 14, 2026 · 6.35% → 6.50% ▲ 0.15 pts · high 6.50% / low 6.35%

Oct 2, 20266.50%▲ from 6.35%
Sep 14, 20266.35%first recorded

802 Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.74%

105 Westminster St, Barre, VT 05001 4720

30-Year Fixed-rate Home Loan

30-Year

6.50%

View

▼

Rate

APR6.50%

Points0.000

UpdatedOct 9, 2026

Address105 Westminster St, Barre, VT 05001 4720

Details

No additional details available.

Rate History

No change since Sep 14, 2026 · 6.50% APR · checked 6 times

Resound Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.03%

102 Werthan Cir, Clarksville, TN 37040 1609

30 Year Fixed rate

6.50%

View

▼

Rate

APR6.50%

Points0.000

UpdatedOct 10, 2026

Address102 Werthan Cir, Clarksville, TN 37040 1609

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 5.75% → 6.50% ▲ 0.75 pts · high 6.50% / low 5.75%

Sep 27, 20266.50%▲ from 5.75%
Sep 14, 20265.75%first recorded

Hudson River Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.82%

30-year fixed

30-year

6.50%

View

▼

Rate

APR6.50%

Points0.000

UpdatedOct 10, 2026

Details

No additional details available.

Rate History

No change since Sep 14, 2026 · 6.50% APR · checked 7 times

MIAMI FIREFIGHTERS

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

1111 NW 7th St, Miami, FL 33136

30 Year Fixed Rate Mortgage

6.50%

View

▼

Rate

APR6.50%

Points0.000

UpdatedOct 10, 2026

Address1111 NW 7th St, Miami, FL 33136

Details

As low as

Rate History

No change since Sep 18, 2026 · 6.50% APR · checked 6 times

Rivertrust Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.55%

409 Riverwind Dr, Pearl, MS 39208 5917

30 Year Fixed

360 months

6.50%

View

▼

Rate

APR6.50%

Points0.000

UpdatedOct 12, 2026

Address409 Riverwind Dr, Pearl, MS 39208 5917

Details

No additional details available.

Rate History

No change since Sep 25, 2026 · 6.50% APR · checked 5 times

Iron Workers SB

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

100 Ridge Rd, Aston, PA 19014

30 Year Fixed Rate

30 Year

6.50%

6.51%

View

▼

Rate6.50%

APR6.51%

Points0.000

UpdatedOct 7, 2026

Address100 Ridge Rd, Aston, PA 19014

Details

No additional details available.

Rate History

No change since Sep 15, 2026 · 6.51% APR · checked 8 times

Securityplus Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.19%

1514 Woodlawn Dr, Baltimore, MD 21117 3604

30-Year Fixed

30 years

6.25%

6.51%

View

▼

Rate6.25%

APR6.51%

Points0.000

UpdatedOct 12, 2026

Address1514 Woodlawn Dr, Baltimore, MD 21117 3604

Details

No additional details available.

Rate History

No change since Oct 8, 2026 · 6.51% APR · checked 2 times

Country Bank for Savings

Institution Rating:

A5.0 ★Texas Ratio: 6.28%

1084 Main St, Belchertown, MA 01007

30 Year Fixed Rate Conventional Residential Owner-Occupied Loan

30 years

6.38%

6.54%

View

▼

Rate6.38%

APR6.54%

Points1.000

UpdatedOct 12, 2026

Address1084 Main St, Belchertown, MA 01007

Details

No additional details available.

Rate History

No change since Oct 8, 2026 · 6.54% APR · checked 2 times

Family Trust Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.53%

1219 Highway 55 E, Clover, SC 29607 2911

30-Year Fixed Rate Mortgage

30 years

6.38%

6.55%

View

▼

Rate6.38%

APR6.55%

Points0.000

UpdatedOct 9, 2026

Address1219 Highway 55 E, Clover, SC 29607 2911

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 6.30% → 6.55% ▲ 0.25 pts · high 6.55% / low 6.30%

Oct 9, 20266.55%▲ from 6.30%
Sep 14, 20266.30%first recorded

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.70%

1 Main St, Amherst, MA 01002

FTHB - 30-Year Fixed Rate

30-Year

6.50%

6.56%

View

▼

Rate6.50%

APR6.56%

Points0.000

UpdatedOct 11, 2026

Address1 Main St, Amherst, MA 01002

Details

Schedule an Appointment

Rate History

1 change since Sep 15, 2026 · 6.06% → 6.56% ▲ 0.50 pts · high 6.56% / low 6.06%

Oct 7, 20266.56%▲ from 6.06%
Sep 15, 20266.06%first recorded

Country Bank for Savings

Institution Rating:

A5.0 ★Texas Ratio: 6.28%

1084 Main St, Belchertown, MA 01007

30 Year Fixed Low Down Payment First Time Homebuyer

30 Year

6.50%

6.56%

View

▼

Rate6.50%

APR6.56%

Points0.000

UpdatedOct 12, 2026

Address1084 Main St, Belchertown, MA 01007

Details

CAPS: N/A; Monthly Payment per $1,000: $6.32

Rate History

No change since Sep 16, 2026 · 6.56% APR · checked 7 times

Beacon Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.46%

100 Wedcor Ave, Auburn, IN 46173

30 Year Fixed

30 years

6.50%

6.58%

View

▼

Rate6.50%

APR6.58%

Points0.000

UpdatedOct 10, 2026

Address100 Wedcor Ave, Auburn, IN 46173

Details

No additional details available.

Rate History

No change since Sep 18, 2026 · 6.58% APR · checked 6 times

CU Hawaii Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.37%

15 2660 Pahoa Village Rd, Hilo, HI 96720

Residential Mortgage Loans - 30Yr Fixed

30 years

6.50%

6.58%

View

▼

Rate6.50%

APR6.58%

Points0.000

UpdatedOct 9, 2026

Address15 2660 Pahoa Village Rd, Hilo, HI 96720

Details

Down Payment: 20%

Rate History

No change since Sep 14, 2026 · 6.58% APR · checked 4 times

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.70%

1 Main St, Amherst, MA 01002

30-Year Fixed-Rate

30-Year

6.25%

6.59%

View

▼

Rate6.25%

APR6.59%

Points2.000

UpdatedOct 11, 2026

Address1 Main St, Amherst, MA 01002

Details

No additional details available.

Rate History

1 change since Sep 15, 2026 · 6.33% → 6.59% ▲ 0.26 pts · high 6.59% / low 6.33%

Sep 24, 20266.59%▲ from 6.33%
Sep 15, 20266.33%first recorded

La Capitol Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.48%

1004 N Oak St, Alexandria, LA 70006 5324

Conventional Mortgages - 30 year fixed

30 year

6.38%

6.60%

View

▼

Rate6.38%

APR6.60%

Points1.750

UpdatedOct 9, 2026

Address1004 N Oak St, Alexandria, LA 70006 5324

Details

No additional details available.

Rate History

No change since Sep 14, 2026 · 6.60% APR · checked 8 times

Union Bank Morrisville, VT

Institution Rating:

A-4.8 ★Texas Ratio: 14.30%

1028 Us Route 302, Berlin, NH 03251

30 Year Fixed Rate MOVE Conventional

30 Year

6.50%

6.60%

View

▼

Rate6.50%

APR6.60%

Points0.000

UpdatedOct 11, 2026

Address1028 Us Route 302, Berlin, NH 03251

Details

No additional details available.

Rate History

1 change since Sep 15, 2026 · 6.10% → 6.60% ▲ 0.50 pts · high 6.60% / low 6.10%

Oct 1, 20266.60%▲ from 6.10%
Sep 15, 20266.10%first recorded

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.70%

1 Main St, Amherst, MA 01002

30-Year Fixed-Rate

30-Year

6.38%

6.62%

View

▼

Rate6.38%

APR6.62%

Points1.000

UpdatedOct 11, 2026

Address1 Main St, Amherst, MA 01002

Details

No additional details available.

Rate History

1 change since Sep 15, 2026 · 6.36% → 6.62% ▲ 0.25 pts · high 6.62% / low 6.36%

Sep 24, 20266.62%▲ from 6.36%
Sep 15, 20266.36%first recorded

Honor Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.27%

1010 Moore St, Allegan, MI 49002

MSHDA 30 Year Fixed

30 Year

6.50%

6.62%

View

▼

Rate6.50%

APR6.62%

Points0.000

UpdatedOct 9, 2026

Address1010 Moore St, Allegan, MI 49002

Details

No additional details available.

Rate History

2 changes since Sep 14, 2026 · 5.86% → 6.62% ▲ 0.76 pts · high 6.62% / low 5.86%

Oct 9, 20266.62%▲ from 6.24%
Sep 29, 20266.24%▲ from 5.86%
Sep 14, 20265.86%first recorded

La Capitol Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.48%

1004 N Oak St, Alexandria, LA 70006 5324

Conventional Mortgages - 30 year fixed

30 year

6.50%

6.62%

View

▼

Rate6.50%

APR6.62%

Points0.750

UpdatedOct 9, 2026

Address1004 N Oak St, Alexandria, LA 70006 5324

Details

No additional details available.

Rate History

No change since Sep 14, 2026 · 6.63% APR · checked 8 times

Ascendia Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.20%

175 Rock Rd, Glen Rock, NJ 07052

Residential Mortgage Loan - 30 Year Fixed

30 Year

6.24%

6.63%

View

▼

Rate6.24%

APR6.63%

Points3.000

UpdatedOct 12, 2026

Address175 Rock Rd, Glen Rock, NJ 07052

Details

No additional details available.

Rate History

1 change since Sep 24, 2026 · 6.46% → 6.63% ▲ 0.16 pts · high 6.63% / low 6.46%

Oct 1, 20266.63%▲ from 6.46%
Sep 24, 20266.46%first recorded

First Financial Federal Credit Union

Institution Rating:

B+4.8 ★Texas Ratio: 17.97%

1360 Route 9, Freehold, NJ 07728

Current Mortgage - 30 Year Fixed Conforming

30 Year

6.50%

6.63%

View

▼

Rate6.50%

APR6.63%

Points0.000

UpdatedOct 12, 2026

Address1360 Route 9, Freehold, NJ 07728

Details

No additional details available.

Rate History

1 change since Sep 25, 2026 · 6.96% → 6.63% ▼ 0.33 pts · high 6.96% / low 6.63%

Oct 12, 20266.63%▼ from 6.96%
Sep 25, 20266.96%first recorded

One Nevada Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.72%

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

30 Yr Fixed - 1 Point

30 years

6.63%

View

▼

Rate

APR6.63%

Points1.000

UpdatedOct 10, 2026

Address1090 W Sunset Rd Ste B, Henderson, NV 89014 6678

Details

Mortgage rates excluded; call for APR. APRs can increase after the loan consummation if the loan terms allow an APR to increase. Rates are determined by individual credit standing, collateral age, collateral value, and loan term. No payments for 90 days are valid for qualified individuals who finance directly with One Nevada. Rates and repayment terms may vary when financing through a local dealership.

Rate History

No change since Oct 10, 2026 · 6.63% APR

One Nevada Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.72%

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

ONCU 30 Yr Fixed - 1 Point

6.50%

6.63%

View

▼

Rate6.50%

APR6.63%

Points1.000

UpdatedOct 10, 2026

Address1090 W Sunset Rd Ste B, Henderson, NV 89014 6678

Details

No additional details available.

Rate History

3 changes since Sep 22, 2026 · 6.25% → 6.63% ▲ 0.38 pts · high 6.76% / low 6.25%

Oct 10, 20266.63%▼ from 6.76%
Oct 1, 20266.76%▲ from 6.63%
Sep 27, 20266.63%▲ from 6.25%
Sep 22, 20266.25%first recorded

Certified Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.07%

1230 Lakes Dr Ste 108, Brea, CA 90012 3352

Fixed-Rate Mortgages - 30-Year Fixed

30 years

6.50%

6.63%

View

▼

Rate6.50%

APR6.63%

Points0.000

UpdatedOct 12, 2026

Address1230 Lakes Dr Ste 108, Brea, CA 90012 3352

Details

Loan amount not to exceed $499,999; Conforming rates; APR assumes $250,000 loan, 80% LTV, owner occupied, single-family, credit score 620+

Rate History

No change since Oct 12, 2026 · 6.63% APR

Certified Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.07%

1230 Lakes Dr Ste 108, Brea, CA 90012 3352

High Balance Fixed-Rate Mortgages - 30-Year Fixed

30 years

6.50%

6.63%

View

▼

Rate6.50%

APR6.63%

Points0.000

UpdatedOct 12, 2026

Address1230 Lakes Dr Ste 108, Brea, CA 90012 3352

Details

Loan amounts of $500,000 to $1,000,000; High balance; APR assumes $500,000 loan, 80% LTV, owner occupied, single family, credit score 620+

Rate History

No change since Oct 12, 2026 · 6.63% APR

Institution for Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.22%

112 County Rd, Amesbury, MA 01913

First-Time/Affordable Homebuyer Loan - 30 Year Fixed

30 Year

6.50%

6.63%

View

▼

Rate6.50%

APR6.63%

Points0.500

UpdatedOct 7, 2026

Address112 County Rd, Amesbury, MA 01913

Details

All other Purchase and Refinance Loans; Minimum Credit Score: 720

Rate History

No change since Oct 7, 2026 · 6.63% APR

Florence Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.70%

1 Main St, Amherst, MA 01002

30-Year Fixed-Rate

30-Year

6.50%

6.64%

View

▼

Rate6.50%

APR6.64%

Points0.000

UpdatedOct 11, 2026

Address1 Main St, Amherst, MA 01002

Details

No additional details available.

Rate History

1 change since Sep 15, 2026 · 6.39% → 6.64% ▲ 0.25 pts · high 6.64% / low 6.39%

Sep 24, 20266.64%▲ from 6.39%
Sep 15, 20266.39%first recorded

Financial Plus Credit Union Flint, MI

Institution Rating:

A+5.0 ★Texas Ratio: 2.74%

15125 Silver Pkwy, Bay City, MI 48423 2529

30 Year Fixed - without DPA

30 Year

6.50%

6.65%

View

▼

Rate6.50%

APR6.65%

Points0.000

UpdatedOct 10, 2026

Address15125 Silver Pkwy, Bay City, MI 48423 2529

Details

As Low As

Rate History

1 change since Sep 14, 2026 · 5.89% → 6.65% ▲ 0.76 pts · high 6.65% / low 5.89%

Oct 10, 20266.65%▲ from 5.89%
Sep 14, 20265.89%first recorded

Elevate Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.68%

1023 Medical Dr, Brigham City, UT 84302 3049

30-Year Fixed Mortgage w/10-Year Call (Refinance)

30-Year

6.49%

6.67%

View

▼

Rate6.49%

APR6.67%

Points0.000

UpdatedOct 12, 2026

Address1023 Medical Dr, Brigham City, UT 84302 3049

Details

LTV: Up to 80%; Rate Type: Fixed w/10-Year Call; Refinance; 45-day rate lock; assumed credit score 720

Rate History

No change since Oct 12, 2026 · 6.67% APR

Lusitania Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.71%

107 Pulaski St, Harrison, NJ 07029

Community First Loan 30 Year Fixed Owner Occupied

30 Year

6.62%

6.67%

View

▼

Rate6.62%

APR6.67%

Points0.000

UpdatedOct 12, 2026

Address107 Pulaski St, Harrison, NJ 07029

Details

Owner Occupied

Rate History

3 changes since Sep 14, 2026 · 6.04% → 6.67% ▲ 0.64 pts · high 6.67% / low 6.04%

Oct 12, 20266.67%▲ from 6.42%
Oct 1, 20266.42%▲ from 6.17%
Sep 20, 20266.17%▲ from 6.04%
Sep 14, 20266.04%first recorded

ives Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.25%

100 State Route 37, Bethel, CT 06470

30 Year Fixed Rate

30 years

6.62%

6.68%

View

▼

Rate6.62%

APR6.68%

Points0.000

UpdatedOct 12, 2026

Address100 State Route 37, Bethel, CT 06470

Details

No additional details available.

Rate History

2 changes since Sep 16, 2026 · 6.30% → 6.68% ▲ 0.38 pts · high 6.68% / low 6.30%

Oct 1, 20266.68%▲ from 6.55%
Sep 20, 20266.55%▲ from 6.30%
Sep 16, 20266.30%first recorded

La Capitol Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.48%

1004 N Oak St, Alexandria, LA 70006 5324

Conventional Mortgages - 30 year fixed

30 year

6.62%

6.68%

View

▼

Rate6.62%

APR6.68%

Points0.000

UpdatedOct 9, 2026

Address1004 N Oak St, Alexandria, LA 70006 5324

Details

No additional details available.

Rate History

No change since Sep 14, 2026 · 6.68% APR · checked 8 times

Marion Center Bank

Institution Rating:

B4.3 ★Texas Ratio: 12.13%

106 W Main St, Big Run, PA 15701

30 Year Fixed: Purchase/Refinance

30 Year

6.65%

6.68%

View

▼

Rate6.65%

APR6.68%

Points0.000

UpdatedOct 11, 2026

Address106 W Main St, Big Run, PA 15701

Details

No additional details available.

Rate History

2 changes since Sep 15, 2026 · 6.03% → 6.69% ▲ 0.65 pts · high 6.69% / low 6.03%

Oct 1, 20266.69%▲ from 6.18%
Sep 27, 20266.18%▲ from 6.03%
Sep 15, 20266.03%first recorded

Country Bank for Savings

Institution Rating:

A5.0 ★Texas Ratio: 6.28%

1084 Main St, Belchertown, MA 01007

30 Year Fixed First Time Home Buyer

30 Year

6.62%

6.69%

View

▼

Rate6.62%

APR6.69%

Points0.000

UpdatedOct 12, 2026

Address1084 Main St, Belchertown, MA 01007

Details

CAPS: N/A; Monthly Payment per $1,000: $6.40

Rate History

No change since Sep 16, 2026 · 6.69% APR · checked 7 times

Country Bank for Savings

Institution Rating:

A5.0 ★Texas Ratio: 6.28%

1084 Main St, Belchertown, MA 01007

30 Year Fixed Rate Conventional Residential Owner-Occupied Loan

30 years

6.62%

6.69%

View

▼

Rate6.62%

APR6.69%

Points0.000

UpdatedOct 12, 2026

Address1084 Main St, Belchertown, MA 01007

Details

No additional details available.

Rate History

No change since Oct 8, 2026 · 6.69% APR · checked 2 times

Citizens Bank Mukwonago, WI

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1010 N Rochester St, Big Bend, WI 53103

WHEDA First Time Homebuyer Program - 30 Year Fixed

30 Year

6.62%

6.70%

View

▼

Rate6.62%

APR6.70%

Points0.000

UpdatedOct 7, 2026

Address1010 N Rochester St, Big Bend, WI 53103

Details

No additional details available.

Rate History

No change since Oct 7, 2026 · 6.70% APR · checked 3 times

Brazos Valley Schools Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.82%

1116 Soldiers Field Dr, Brenham, TX 77084

90% Loan to Value - 30-Year Fixed Rate

30-Year

6.50%

6.70%

View

▼

Rate6.50%

APR6.70%

Points0.000

UpdatedOct 9, 2026

Address1116 Soldiers Field Dr, Brenham, TX 77084

Details

No additional details available.

Rate History

No change since Sep 18, 2026 · 6.70% APR · checked 5 times

San Francisco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.53%

1811 El Camino Real, Burlingame, CA 94010

30-year fixed

30 years

6.62%

6.70%

View

▼

Rate6.62%

APR6.70%

Points0.000

UpdatedOct 9, 2026

Address1811 El Camino Real, Burlingame, CA 94010

Details

Monthly payment of $3,202 per month per $500,000 borrowed is based on a conforming 30-year fixed term at a 6.625% interest rate (6.701% APR) and reflects principal and interest payments only. Payment example does not include taxes, insurance, or homeowners association dues, and the actual payment obligation may be greater.

Rate History

No change since Sep 17, 2026 · 6.70% APR · checked 3 times

Tri City National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.17%

10859 W Bluemound Rd, Brookfield, WI 53005

30 Year Fixed Rate Mortgage - WHEDA First-time Homebuyer

30 years

6.62%

6.70%

View

▼

Rate6.62%

APR6.70%

Points0.000

UpdatedOct 7, 2026

Address10859 W Bluemound Rd, Brookfield, WI 53005

Details

WHEDA First-time Homebuyer*

Rate History

No change since Sep 24, 2026 · 6.70% APR · checked 6 times

Institution for Savings

Institution Rating:

A+5.0 ★Texas Ratio: 0.22%

112 County Rd, Amesbury, MA 01913

First-Time/Affordable Homebuyer Loan - 30 Year Fixed

30 Year

6.62%

6.71%

View

▼

Rate6.62%

APR6.71%

Points0.000

UpdatedOct 7, 2026

Address112 County Rd, Amesbury, MA 01913

Details

All other Purchase and Refinance Loans; Minimum Credit Score: 720

Rate History

2 changes since Sep 15, 2026 · 5.55% → 6.71% ▲ 1.17 pts · high 6.71% / low 5.55%

Oct 7, 20266.71%▲ from 5.67%
Oct 1, 20265.67%▲ from 5.55%
Sep 15, 20265.55%first recorded

1st Advantage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.89%

1 Fort Eustis, Fort Eustis, VA 23061

30-Year Fixed

30 years

6.50%

6.72%

View

▼

Rate6.50%

APR6.72%

Points0.000

UpdatedOct 12, 2026

Address1 Fort Eustis, Fort Eustis, VA 23061

Details

As Low As; Mortgage for medical professionals; min loan $100,000, max loan $1,500,000; up to 100% LTV for purchases

Rate History

No change since Oct 12, 2026 · 6.72% APR

First Atlantic Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1580 Lakewood Road, EATONTOWN, NJ 07724 2210

30-Year Fixed

30-Year

6.72%

View

▼

Rate

APR6.72%

Points0.000

UpdatedOct 12, 2026

Address1580 Lakewood Road, EATONTOWN, NJ 07724 2210

Details

As low as

Rate History

5 changes since Sep 16, 2026 · 6.85% → 6.73% ▼ 0.13 pts · high 7.99% / low 6.73%

Oct 12, 20266.73%▼ from 7.99%
Oct 8, 20267.99%▲ from 7.74%
Oct 2, 20267.74%▲ from 7.11%
Sep 25, 20267.11%▲ from 7.10%

Quincy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

100 Quincy Ave, Marshfield, MA 02050

Fixed Mortgage - 30 Year Fixed

30 Year

6.50%

6.74%

View

▼

Rate6.50%

APR6.74%

Points2.000

UpdatedOct 10, 2026

Address100 Quincy Ave, Marshfield, MA 02050

Details

No additional details available.

Rate History

1 change since Oct 1, 2026 · 6.89% → 6.74% ▼ 0.15 pts · high 6.89% / low 6.74%

Oct 10, 20266.74%▼ from 6.89%
Oct 1, 20266.89%first recorded

Y-12 Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.67%

101 Crosspark Dr, Clinton, KY 37716 3730

30-Year Fixed

30 years

6.74%

View

▼

Rate

APR6.74%

Points0.000

UpdatedOct 12, 2026

Address101 Crosspark Dr, Clinton, KY 37716 3730

Details

As Low As; Featured Rates carousel; APR shown only

Rate History

6 changes since Sep 14, 2026 · 6.87% → 6.74% ▼ 0.13 pts · high 7.63% / low 6.74%

Oct 12, 20266.74%▼ from 7.50%
Oct 8, 20267.50%▲ from 7.25%
Oct 4, 20267.25%▼ from 7.63%
Oct 2, 20267.63%▲ from 7.25%

FreeStar Financial Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.11%

10636 Gratiot Ave, Casco, MI 48021 2312

30 Year Fixed Rate

30 Year

6.75%

View

▼

Rate

APR6.75%

Points0.000

UpdatedOct 9, 2026

Address10636 Gratiot Ave, Casco, MI 48021 2312

Details

NMLS ID 411386

Rate History

No change since Sep 14, 2026 · 6.75% APR · checked 7 times

University of Hawaii Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.05%

2019 S King St, Honolulu, HI 96707 1878

1st Mortgage - 30 Year Fixed

30 Year

6.50%

6.76%

View

▼

Rate6.50%

APR6.76%

Points2.000

UpdatedOct 12, 2026

Address2019 S King St, Honolulu, HI 96707 1878

Details

Rate Type: Fixed; Examples based on loan amount up to $970,800

Rate History

No change since Oct 12, 2026 · 6.76% APR

One Nevada Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.72%

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

Refi ONCU 30 Yr Fixed - 1 Point

6.62%

6.76%

View

▼

Rate6.62%

APR6.76%

Points1.000

UpdatedOct 10, 2026

Address1090 W Sunset Rd Ste B, Henderson, NV 89014 6678

Details

No additional details available.

Rate History

4 changes since Sep 22, 2026 · 6.25% → 6.76% ▲ 0.50 pts · high 7.01% / low 6.25%

Oct 10, 20266.76%▼ from 7.01%
Oct 2, 20267.01%▲ from 6.88%
Oct 1, 20266.88%▲ from 6.76%
Sep 27, 20266.76%▲ from 6.25%

PennCrest Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.61%

101 High St, Altoona, PA 15943

30-Year Fixed Rate Biweekly Mortgage Loan

30-Year

6.75%

6.77%

View

▼

Rate6.75%

APR6.77%

Points0.000

UpdatedOct 12, 2026

Address101 High St, Altoona, PA 15943

Details

No additional details available.

Rate History

1 change since Oct 8, 2026 · 6.51% → 6.77% ▲ 0.26 pts · high 6.77% / low 6.51%

Oct 12, 20266.77%▲ from 6.51%
Oct 8, 20266.51%first recorded

Central Maine Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.42%

1000 Lisbon St, Lewiston, ME 04240 5721

Mortgages - 30 YR FIXED

30 years

6.38%

6.77%

View

▼

Rate6.38%

APR6.77%

Points0.000

UpdatedOct 12, 2026

Address1000 Lisbon St, Lewiston, ME 04240 5721

Details

Primary homes only; Effective: September 18, 2026

Rate History

2 changes since Sep 12, 2026 · 6.15% → 6.77% ▲ 0.62 pts · high 6.77% / low 6.15%

Sep 25, 20266.77%▲ from 6.38%
Sep 20, 20266.38%▲ from 6.15%
Sep 12, 20266.15%first recorded

Marion Center Bank

Institution Rating:

B4.3 ★Texas Ratio: 12.13%

106 W Main St, Big Run, PA 15701

30 Year Fixed: Construction

30 Year

6.65%

6.77%

View

▼

Rate6.65%

APR6.77%

Points0.000

UpdatedOct 11, 2026

Address106 W Main St, Big Run, PA 15701

Details

No additional details available.

Rate History

2 changes since Sep 15, 2026 · 6.12% → 6.77% ▲ 0.66 pts · high 6.77% / low 6.12%

Oct 1, 20266.77%▲ from 6.27%
Sep 27, 20266.27%▲ from 6.12%
Sep 15, 20266.12%first recorded

Ascendia Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.20%

175 Rock Rd, Glen Rock, NJ 07052

Residential Mortgage Loan - 30 Year Fixed

30 Year

6.49%

6.78%

View

▼

Rate6.49%

APR6.78%

Points2.000

UpdatedOct 12, 2026

Address175 Rock Rd, Glen Rock, NJ 07052

Details

No additional details available.

Rate History

1 change since Sep 24, 2026 · 6.62% → 6.78% ▲ 0.16 pts · high 6.78% / low 6.62%

Oct 1, 20266.78%▲ from 6.62%
Sep 24, 20266.62%first recorded

Savings Bank Wakefield, MA

Institution Rating:

A5.0 ★Texas Ratio: 9.38%

1105 Summer St, Andover, MA 01810

First Time Homebuyer - 30 Year Fixed

30 Year

6.75%

6.79%

View

▼

Rate6.75%

APR6.79%

Points0.000

UpdatedOct 11, 2026

Address1105 Summer St, Andover, MA 01810

Details

11% Down1; Must have automatic payments from a TSB checking account and direct deposit of payroll income.

Rate History

No change since Oct 7, 2026 · 6.79% APR · checked 2 times

1st Bank of Sea Isle City

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

1615 Route 9 N, Cape May Court House, NJ 08210

30 Year Fixed Rate

30 Year

6.75%

6.79%

View

▼

Rate6.75%

APR6.79%

Points0.000

UpdatedOct 12, 2026

Address1615 Route 9 N, Cape May Court House, NJ 08210

Details

No additional details available.

Rate History

1 change since Sep 16, 2026 · 6.41% → 6.79% ▲ 0.38 pts · high 6.79% / low 6.41%

Sep 24, 20266.79%▲ from 6.41%
Sep 16, 20266.41%first recorded

Savings Bank Wakefield, MA

Institution Rating:

A5.0 ★Texas Ratio: 9.38%

1105 Summer St, Andover, MA 01810

30-Year Fixed

30 Years

6.50%

6.79%

View

▼

Rate6.50%

APR6.79%

Points2.000

UpdatedOct 11, 2026

Address1105 Summer St, Andover, MA 01810

Details

20% Down

Rate History

2 changes since Sep 15, 2026 · 6.29% → 6.79% ▲ 0.51 pts · high 6.79% / low 6.29%

Oct 7, 20266.79%▲ from 6.54%
Sep 19, 20266.54%▲ from 6.29%
Sep 15, 20266.29%first recorded

Bank of Easton

Institution Rating:

A+5.0 ★Texas Ratio: 0.01%

12 Robert Dr, North Easton, MA 02356

Fixed Rate Mortgages - 30 Year Fixed

30 Year

6.62%

6.80%

View

▼

Rate6.62%

APR6.80%

Points0.000

UpdatedOct 11, 2026

Address12 Robert Dr, North Easton, MA 02356

Details

No additional details available.

Rate History

1 change since Oct 7, 2026 · 6.67% → 6.80% ▲ 0.13 pts · high 6.80% / low 6.67%

Oct 11, 20266.80%▲ from 6.67%
Oct 7, 20266.67%first recorded

Crews Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 0.31%

102 E Interlake Blvd, Arcadia, FL 33801

30-Year Fixed

30 years

6.75%

6.80%

View

▼

Rate6.75%

APR6.80%

Points0.000

UpdatedOct 7, 2026

Address102 E Interlake Blvd, Arcadia, FL 33801

Details

Loan Amount: $360,000; Down Payment: 20%

Rate History

1 change since Sep 29, 2026 · 6.28% → 6.80% ▲ 0.52 pts · high 6.80% / low 6.28%

Oct 1, 20266.80%▲ from 6.28%
Sep 29, 20266.28%first recorded

Canton Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.33%

671 Washington St, Canton, MA 02021

30 Year Fixed Rate

30 Year

6.75%

6.80%

View

▼

Rate6.75%

APR6.80%

Points0.000

UpdatedOct 11, 2026

Address671 Washington St, Canton, MA 02021

Details

First-time Home Buyer: false

Rate History

1 change since Sep 15, 2026 · 6.78% → 6.80% ▲ 0.02 pts · high 6.80% / low 6.78%

Oct 1, 20266.80%▲ from 6.78%
Sep 15, 20266.78%first recorded

Savings Bank Wakefield, MA

Institution Rating:

A5.0 ★Texas Ratio: 9.38%

1105 Summer St, Andover, MA 01810

30-Year Fixed

30 Years

6.62%

6.82%

View

▼

Rate6.62%

APR6.82%

Points1.000

UpdatedOct 11, 2026

Address1105 Summer St, Andover, MA 01810

Details

20% Down

Rate History

No change since Oct 7, 2026 · 6.82% APR · checked 2 times

Schuyler Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.17%

201 Frank E Rodgers Blvd N, Harrison, NJ 07029

30 Year Fixed Rate

30 Year

6.75%

6.83%

View

▼

Rate6.75%

APR6.83%

Points0.000

UpdatedOct 12, 2026

Address201 Frank E Rodgers Blvd N, Harrison, NJ 07029

Details

No additional details available.

Rate History

No change since Oct 8, 2026 · 6.83% APR · checked 2 times

Credit Union 1 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.15%

111 Lower Mill Bay Rd, Anchorage, AK 99501 3411

30-Year Fixed First time Homebuyer

30 years

6.62%

6.83%

View

▼

Rate6.62%

APR6.83%

Points0.000

UpdatedOct 9, 2026

Address111 Lower Mill Bay Rd, Anchorage, AK 99501 3411

Details

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

Rate History

1 change since Sep 14, 2026 · 5.81% → 6.83% ▲ 1.02 pts · high 6.83% / low 5.81%

Oct 9, 20266.83%▲ from 5.81%
Sep 14, 20265.81%first recorded

Vantage Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.97%

100 Progress Point Ct, Bridgeton, IL 62201

30-Yr. Fixed - Member Advantage

30-Yr

6.75%

6.83%

View

▼

Rate6.75%

APR6.83%

Points0.000

UpdatedOct 10, 2026

Address100 Progress Point Ct, Bridgeton, IL 62201

Details

No additional details available.

Rate History

1 change since Sep 27, 2026 · 6.23% → 6.83% ▲ 0.60 pts · high 6.83% / low 6.23%

Oct 1, 20266.83%▲ from 6.23%
Sep 27, 20266.23%first recorded

First Community Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.36%

1 Stafford Cmns, Abingdon, NC 23113

30-Year Fixed Mortgage

30 years

6.75%

6.84%

View

▼

Rate6.75%

APR6.84%

Points0.000

UpdatedOct 7, 2026

Address1 Stafford Cmns, Abingdon, NC 23113

Details

Term: 30-year fixed-rate mortgage; As Low As; Relationship Banking Discount; The advertised rate reflects a 1% Relationship Banking discount available on new conventional mortgages with automatic payments from a First Community Bank checking account.

Rate History

2 changes since Sep 27, 2026 · 6.46% → 6.84% ▲ 0.38 pts · high 6.84% / low 6.46%

Oct 7, 20266.84%▲ from 6.77%
Oct 1, 20266.77%▲ from 6.46%
Sep 27, 20266.46%first recorded

California Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.21%

130 Sunrise Ave, Elk Grove, CA 95356 0542

30-Year Fixed

30 years

6.78%

6.84%

View

▼

Rate6.78%

APR6.84%

Points0.000

UpdatedOct 10, 2026

Address130 Sunrise Ave, Elk Grove, CA 95356 0542

Details

(2)

Rate History

3 changes since Sep 14, 2026 · 6.82% → 6.84% ▲ 0.02 pts · high 7.01% / low 6.59%

Oct 10, 20266.84%▲ from 6.59%
Sep 27, 20266.59%▼ from 7.01%
Sep 22, 20267.01%▲ from 6.82%
Sep 14, 20266.82%first recorded

Peoples Savings Bank Urbana OH

Institution Rating:

A5.0 ★Texas Ratio: 8.75%

10 Monument Sq, Urbana, OH 43078

30 Year Fixed Rate Mortgage

30 Years

6.75%

6.84%

View

▼

Rate6.75%

APR6.84%

Points0.000

UpdatedOct 11, 2026

Address10 Monument Sq, Urbana, OH 43078

Details

No additional details available.

Rate History

No change since Sep 27, 2026 · 6.85% APR · checked 5 times

Savings Bank Wakefield, MA

Institution Rating:

A5.0 ★Texas Ratio: 9.38%

1105 Summer St, Andover, MA 01810

30-Year Fixed

30 Years

6.75%

6.85%

View

▼

Rate6.75%

APR6.85%

Points0.000

UpdatedOct 11, 2026

Address1105 Summer St, Andover, MA 01810

Details

20% Down

Rate History

2 changes since Sep 15, 2026 · 6.29% → 6.85% ▲ 0.56 pts · high 6.85% / low 6.29%

Oct 7, 20266.85%▲ from 6.54%
Sep 19, 20266.54%▲ from 6.29%
Sep 15, 20266.29%first recorded

Riverbank Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.71%

516 Spring St, Windsor Locks, CT 06096

30 Year Fixed 60 DAY LOCK as low as

30 Year

6.75%

6.86%

View

▼

Rate6.75%

APR6.86%

Points0.000

UpdatedOct 12, 2026

Address516 Spring St, Windsor Locks, CT 06096

Details

As Low As; 60 DAY LOCK

Rate History

No change since Oct 12, 2026 · 6.86% APR

Fairwinds Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.64%

105 Aquaris Agora Dr, Altamonte Springs, FL 32132

30 Year Fixed Mortgage

360 months

6.75%

6.87%

View

▼

Rate6.75%

APR6.87%

Points0.591

UpdatedOct 10, 2026

Address105 Aquaris Agora Dr, Altamonte Springs, FL 32132

Details

For a $250,000.00 loan would result in a monthly payment of $1,621.50. Last updated 10/09/2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.

Rate History

No change since Oct 10, 2026 · 6.87% APR

Merced School Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.23%

101 Bellevue Rd, Atwater, CA 93635

30 Year Fixed Rate

360 Months

6.88%

View

▼

Rate

APR6.88%

Points0.000

UpdatedOct 12, 2026

Address101 Bellevue Rd, Atwater, CA 93635

Details

Up to Conventional loan limit; Purchase of primary residence; up to 80% LTV; origination fee .50%; no application fee; minimum payment $125 per month; appraisal required; credit report fee

Rate History

No change since Oct 8, 2026 · 6.88% APR · checked 2 times

Tyndall Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.96%

11350 Panama City Beach Pkwy, Dothan, AL 32403

30-Year Fixed Mortgage

30 years

6.88%

View

▼

Rate

APR6.88%

Points0.000

UpdatedOct 12, 2026

Address11350 Panama City Beach Pkwy, Dothan, AL 32403

Details

Mortgage; Effective as of Oct 9, 2026; APR = Annual Percentage Rate

Rate History

1 change since Oct 8, 2026 · 7.00% → 6.88% ▼ 0.13 pts · high 7.00% / low 6.88%

Oct 12, 20266.88%▼ from 7.00%
Oct 8, 20267.00%first recorded

Nova UA Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.77%

237 Dayton Ave, Clifton, NJ 07011

30-Year Fixed

6.88%

View

▼

Rate6.88%

APR6.88%

Points0.000

UpdatedOct 9, 2026

Address237 Dayton Ave, Clifton, NJ 07011

Details

No additional details available.

Rate History

1 change since Sep 29, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50%

Oct 2, 20266.88%▲ from 6.50%
Sep 29, 20266.50%first recorded

HawaiiUSA Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.02%

1226 College Walk, Aiea, HI 96701

Conventional 30-Year Fixed Rate Mortgage

30-Year

6.88%

View

▼

Rate6.88%

APR6.88%

Points0.875

UpdatedOct 12, 2026

Address1226 College Walk, Aiea, HI 96701

Details

No additional details available.

Rate History

No change since Oct 12, 2026 · 6.88% APR

Selfreliance Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.49%

103 N Elm St, Bloomingdale, CT 01085

30 Year Fixed Mortgage

30 years

6.88%

View

▼

Rate6.88%

APR6.88%

Points0.000

UpdatedOct 12, 2026

Address103 N Elm St, Bloomingdale, CT 01085

Details

Fixed-rate mortgage; savings example based on $250,000 loan; excellent credit profile

Rate History

No change since Oct 8, 2026 · 6.88% APR · checked 2 times

F&A Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.14%

13303 Hadley St, MONTEREY PARK, CA 90601

30-Year Fixed-Rate Mortgage

6.88%

View

▼

Rate6.88%

APR6.88%

Points0.000

UpdatedOct 12, 2026

Address13303 Hadley St, MONTEREY PARK, CA 90601

Details

No additional details available.

Rate History

1 change since Sep 16, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50%

Sep 25, 20266.88%▲ from 6.50%
Sep 16, 20266.50%first recorded

Deseret First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.76%

10588 S Redwood Rd, Bountiful, UT 84010 7278

30-Year Fixed

6.75%

6.88%

View

▼

Rate6.75%

APR6.88%

Points0.000

UpdatedOct 9, 2026

Address10588 S Redwood Rd, Bountiful, UT 84010 7278

Details

No additional details available.

Rate History

No change since Oct 2, 2026 · 6.88% APR · checked 2 times

Quincy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

100 Quincy Ave, Marshfield, MA 02050

Fixed Mortgage - 30 Year Fixed

30 Year

6.75%

6.89%

View

▼

Rate6.75%

APR6.89%

Points1.000

UpdatedOct 10, 2026

Address100 Quincy Ave, Marshfield, MA 02050

Details

No additional details available.

Rate History

No change since Oct 1, 2026 · 6.89% APR · checked 3 times

Watertown Savings Bank Watertown, MA

Institution Rating:

A+5.0 ★Texas Ratio: 1.01%

10 Bigelow Ave, Arlington, MA 02421

exclusive 30 Year Fixed Rate Mortgage offer, Freedom 30

360 months

6.88%

6.89%

View

▼

Rate6.88%

APR6.89%

Points0.000

UpdatedOct 11, 2026

Address10 Bigelow Ave, Arlington, MA 02421

Details

Conforming and Jumbo -First Time Homebuyer

Rate History

No change since Oct 7, 2026 · 6.89% APR · checked 2 times

PennCrest Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.61%

101 High St, Altoona, PA 15943

30-Year Fixed Rate Mortgage

30-Year

6.88%

6.89%

View

▼

Rate6.88%

APR6.89%

Points0.000

UpdatedOct 12, 2026

Address101 High St, Altoona, PA 15943

Details

No additional details available.

Rate History

2 changes since Sep 16, 2026 · 6.52% → 6.89% ▲ 0.38 pts · high 6.89% / low 6.52%

Oct 12, 20266.89%▲ from 6.64%
Oct 1, 20266.64%▲ from 6.52%
Sep 16, 20266.52%first recorded

Community Savings Bank Chicago, IL

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

4801 W Belmont Ave, Chicago, IL 60641

30 Year Fixed Mortgage

30 Year

6.75%

6.89%

View

▼

Rate6.75%

APR6.89%

Points0.000

UpdatedOct 11, 2026

Address4801 W Belmont Ave, Chicago, IL 60641

Details

No additional details available.

Rate History

2 changes since Sep 15, 2026 · 6.77% → 6.89% ▲ 0.13 pts · high 7.02% / low 6.77%

Oct 11, 20266.89%▼ from 7.02%
Sep 24, 20267.02%▲ from 6.77%
Sep 15, 20266.77%first recorded

Union County Savings Bank Elizabeth, NJ

Institution Rating:

A+5.0 ★

201 North Ave W, Cranford, NJ 07016

Fixed Rate Mortgage - 30 Year Fixed

30 Year

6.88%

6.91%

View

▼

Rate6.88%

APR6.91%

Points0.000

UpdatedSep 24, 2026

Address201 North Ave W, Cranford, NJ 07016

Details

No additional details available.

Rate History

No change since Sep 15, 2026 · 6.91% APR · checked 2 times

Spencer Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.96%

1 Towne Ctr, Cliffside Park, NJ 07006

30 Year Fixed Rate

30 Year

6.88%

6.91%

View

▼

Rate6.88%

APR6.91%

Points0.000

UpdatedOct 7, 2026

Address1 Towne Ctr, Cliffside Park, NJ 07006

Details

Loan Amounts: Up To $832,750

Rate History

1 change since Sep 15, 2026 · 6.54% → 6.91% ▲ 0.38 pts · high 6.91% / low 6.54%

Oct 7, 20266.91%▲ from 6.54%
Sep 15, 20266.54%first recorded

Educational Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.58%

1070 E Teague Ave, Clovis, CA 93230 4938

30 Year Fixed Rate - 2nd / Vacation

30 Year

6.75%

6.92%

View

▼

Rate6.75%

APR6.92%

Points0.000

UpdatedOct 9, 2026

Address1070 E Teague Ave, Clovis, CA 93230 4938

Details

No additional details available.

Rate History

No change since Sep 29, 2026 · 6.92% APR · checked 6 times

Educators Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.30%

100 Chapman Farm Blvd, Beloit, WI 53105

30-year Fixed

30-year

6.88%

6.93%

View

▼

Rate6.88%

APR6.93%

Points0.000

UpdatedOct 9, 2026

Address100 Chapman Farm Blvd, Beloit, WI 53105

Details

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

Rate History

No change since Oct 9, 2026 · 6.93% APR

Home Federal Bank of Tennessee

Institution Rating:

A5.0 ★Texas Ratio: 12.75%

102 Foothills Mall Dr, Corryton, TN 37721

Mortgage - 30 Year Fixed

30 Year

6.75%

6.94%

View

▼

Rate6.75%

APR6.94%

Points1.000

UpdatedOct 11, 2026

Address102 Foothills Mall Dr, Corryton, TN 37721

Details

Loan Amount: $165,000; Payment: $1,070.19; Discount Points/ AMT: $1,650.00

Rate History

2 changes since Sep 24, 2026 · 6.67% → 6.94% ▲ 0.27 pts · high 6.94% / low 6.67%

Oct 7, 20266.94%▲ from 6.67%
Sep 27, 20266.67%▲ from 6.67%
Sep 24, 20266.67%first recorded

Sacramento Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.33%

1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756

30-YEAR FIXED

30 years

6.75%

6.95%

View

▼

Rate6.75%

APR6.95%

Points1.000

UpdatedOct 9, 2026

Address1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756

Details

No additional details available.

Rate History

No change since Oct 9, 2026 · 6.95% APR

South Bay Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, CA 90277 2837

Conforming 30-Year Fixed

30 years

6.75%

6.96%

View

▼

Rate6.75%

APR6.96%

Points0.000

UpdatedOct 10, 2026

Address1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, CA 90277 2837

Details

Conforming

Rate History

No change since Oct 2, 2026 · 6.96% APR · checked 2 times

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

108 N Pleasant St, Amherst, MA 01002

30-Year Fixed for First Time Home Buyers

30 Years

6.88%

6.96%

View

▼

Rate6.88%

APR6.96%

Points0.000

UpdatedOct 7, 2026

Address108 N Pleasant St, Amherst, MA 01002

Details

No additional details available.

Rate History

3 changes since Sep 15, 2026 · 6.46% → 6.96% ▲ 0.50 pts · high 6.96% / low 6.46%

Oct 1, 20266.96%▲ from 6.84%
Sep 27, 20266.84%▲ from 6.71%
Sep 24, 20266.71%▲ from 6.46%
Sep 15, 20266.46%first recorded

Municipal Employees Credit Union of Balt

Institution Rating:

A5.0 ★Texas Ratio: 7.57%

1 South St, Baltimore, MD 21133 4706

30-year fixed rate

30 years

6.75%

6.96%

View

▼

Rate6.75%

APR6.96%

Points1.000

UpdatedOct 9, 2026

Address1 South St, Baltimore, MD 21133 4706

Details

No additional details available.

Rate History

No change since Oct 9, 2026 · 6.96% APR

Home Federal Bank of Tennessee

Institution Rating:

A5.0 ★Texas Ratio: 12.75%

102 Foothills Mall Dr, Corryton, TN 37721

30 Yr. Const/Perm Loan

30 years

6.75%

6.97%

View

▼

Rate6.75%

APR6.97%

Points1.000

UpdatedOct 11, 2026

Address102 Foothills Mall Dr, Corryton, TN 37721

Details

Loan Amount: $165,000; Payment: $1,070.19; Discount Points/AMT: $1,650.00

Rate History

2 changes since Sep 19, 2026 · 6.72% → 6.97% ▲ 0.25 pts · high 6.97% / low 6.72%

Oct 7, 20266.97%▲ from 6.72%
Sep 27, 20266.72%▲ from 6.72%
Sep 19, 20266.72%first recorded

Village Bank Auburndale, MA

Institution Rating:

A+5.0 ★Texas Ratio: 2.24%

120 Seminary Ave, Auburndale, MA 01778

30-Year Fixed

30 years

6.75%

6.98%

View

▼

Rate6.75%

APR6.98%

Points0.000

UpdatedOct 12, 2026

Address120 Seminary Ave, Auburndale, MA 01778

Details

No additional details available.

Rate History

1 change since Sep 16, 2026 · 6.73% → 6.98% ▲ 0.25 pts · high 6.98% / low 6.73%

Oct 1, 20266.98%▲ from 6.73%
Sep 16, 20266.73%first recorded

Wasatch Peaks Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.78%

1 Browning Pl, Mountain Green, UT 84050 9326

30-Yr Improved Lot Loan

6.99%

View

▼

Rate

APR6.99%

Points0.000

UpdatedOct 9, 2026

Address1 Browning Pl, Mountain Green, UT 84050 9326

Details

3 year call - 80% LTV

Rate History

No change since Sep 18, 2026 · 6.99% APR · checked 5 times

Mi Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.74%

3707 W Maple Rd, Bloomfield Township, MI 48301

30-Year Fixed-Rate Mortgage

30 years

6.99%

View

▼

Rate6.99%

APR6.99%

Points0.000

UpdatedOct 7, 2026

Address3707 W Maple Rd, Bloomfield Township, MI 48301

Details

Loan Examples: The payment on a $200,000 30-Year Fixed-Rate Loan at 6.990% and 80% loan-to-value (LTV) is 360 payments of $1,329.26 with 0.0 points due at closing. The Annual Percentage Rate (APR) is 7.150% based on $3,200.00 in fees. Payment does not include taxes and insurance premiums. The actual payment amount may be greater. Minimum credit score of 740 required for the advertised rates.

Rate History

No change since Sep 15, 2026 · 6.99% APR · checked 4 times

Ascendia Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.20%

175 Rock Rd, Glen Rock, NJ 07052

Residential Mortgage Loan - 30 Year Fixed

30 Year

6.74%

6.99%

View

▼

Rate6.74%

APR6.99%

Points1.000

UpdatedOct 12, 2026

Address175 Rock Rd, Glen Rock, NJ 07052

Details

No additional details available.

Rate History

1 change since Sep 24, 2026 · 6.77% → 6.99% ▲ 0.22 pts · high 6.99% / low 6.77%

Oct 1, 20266.99%▲ from 6.77%
Sep 24, 20266.77%first recorded

Greenfield Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.03%

144 Main St, Amherst, MA 01002

FTHB Co-op Achieve 30 Yr Fixed

30 years

6.88%

7.00%

View

▼

Rate6.88%

APR7.00%

Points0.000

UpdatedOct 11, 2026

Address144 Main St, Amherst, MA 01002

Details

360 months

Rate History

2 changes since Sep 24, 2026 · 6.74% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.74%

Oct 1, 20267.00%▲ from 6.87%
Sep 27, 20266.87%▲ from 6.74%
Sep 24, 20266.74%first recorded

Brazos Valley Schools Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.82%

1116 Soldiers Field Dr, Brenham, TX 77084

95% Loan to Value - 30-Year Fixed Rate

30-Year

6.75%

7.00%

View

▼

Rate6.75%

APR7.00%

Points0.000

UpdatedOct 9, 2026

Address1116 Soldiers Field Dr, Brenham, TX 77084

Details

No additional details available.

Rate History

No change since Sep 18, 2026 · 7.00% APR · checked 5 times

Auburn University Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.49%

1290 S Donahue Dr, Auburn, AL 36117

First Mortgages 30 Year Fixed

30 Year

7.00%

View

▼

Rate

APR7.00%

Points0.000

UpdatedOct 10, 2026

Address1290 S Donahue Dr, Auburn, AL 36117

Details

As Low As

Rate History

2 changes since Sep 14, 2026 · 6.38% → 7.00% ▲ 0.63 pts · high 7.00% / low 6.38%

Oct 10, 20267.00%▲ from 6.63%
Sep 27, 20266.63%▲ from 6.38%
Sep 14, 20266.38%first recorded

Jeanne D Arc Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.58%

1 Tremont Pl, Chelmsford, MA 01824 2343

30 Year Fixed

30 years

6.99%

7.01%

View

▼

Rate6.99%

APR7.01%

Points0.000

UpdatedOct 9, 2026

Address1 Tremont Pl, Chelmsford, MA 01824 2343

Details

No additional details available.

Rate History

1 change since Sep 16, 2026 · 6.90% → 7.01% ▲ 0.12 pts · high 7.01% / low 6.90%

Oct 1, 20267.01%▲ from 6.90%
Sep 16, 20266.90%first recorded

Winchester Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.71%

19 Church St, Winchester, MA 01801

Fixed Rate First Mortgages - 30 Year Fixed

30 years

7.00%

7.01%

View

▼

Rate7.00%

APR7.01%

Points0.000

UpdatedOct 11, 2026

Address19 Church St, Winchester, MA 01801

Details

No additional details available.

Rate History

1 change since Sep 24, 2026 · 6.76% → 7.01% ▲ 0.25 pts · high 7.01% / low 6.76%

Oct 1, 20267.01%▲ from 6.76%
Sep 24, 20266.76%first recorded

Hingham Institution for Savings

Institution Rating:

A5.0 ★Texas Ratio: 6.98%

1061 Thomas Jefferson St Nw, Boston, DC 02025

Personal Mortgage - 30 YR

360 months

7.00%

7.02%

View

▼

Rate7.00%

APR7.02%

Points0.000

UpdatedOct 7, 2026

Address1061 Thomas Jefferson St Nw, Boston, DC 02025

Details

No additional details available.

Rate History

2 changes since Sep 24, 2026 · 6.77% → 7.02% ▲ 0.25 pts · high 7.02% / low 6.77%

Oct 3, 20267.02%▲ from 6.89%
Sep 27, 20266.89%▲ from 6.77%
Sep 24, 20266.77%first recorded

TLC Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.45%

1102 W Chicago Blvd, Adrian, MI 48131 8608

30 Year Fixed - Cash Out Refinances

30 year

7.00%

7.02%

View

▼

Rate7.00%

APR7.02%

Points0.000

UpdatedOct 9, 2026

Address1102 W Chicago Blvd, Adrian, MI 48131 8608

Details

No additional details available.

Rate History

No change since Sep 14, 2026 · 7.02% APR · checked 8 times

TLC Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.45%

1102 W Chicago Blvd, Adrian, MI 48131 8608

30 Year Fixed - Refinances

30 year

7.00%

7.02%

View

▼

Rate7.00%

APR7.02%

Points0.000

UpdatedOct 9, 2026

Address1102 W Chicago Blvd, Adrian, MI 48131 8608

Details

No additional details available.

Rate History

No change since Sep 14, 2026 · 7.02% APR · checked 8 times

Sacramento Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.33%

1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756

30-YEAR FIXED

30 years

6.88%

7.02%

View

▼

Rate6.88%

APR7.02%

Points0.500

UpdatedOct 9, 2026

Address1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756

Details

No additional details available.

Rate History

No change since Oct 9, 2026 · 7.02% APR

Carolinas Telco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.27%

110 Outlet Pointe Blvd, Charlotte, NC 27612

30-Year Fixed

30-Year

7.03%

View

▼

Rate7.03%

APR7.03%

Points0.000

UpdatedOct 9, 2026

Address110 Outlet Pointe Blvd, Charlotte, NC 27612

Details

Downpayment as low as* 5%; PMI

Rate History

5 changes since Sep 14, 2026 · 6.53% → 7.03% ▲ 0.49 pts · high 7.35% / low 6.53%

Oct 9, 20267.03%▲ from 6.93%
Sep 29, 20266.93%▲ from 6.75%
Sep 25, 20266.75%▲ from 6.73%
Sep 21, 20266.73%▼ from 7.35%

Virginia Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.40%

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

30 Year Fixed Rate

360 months

6.75%

7.03%

View

▼

Rate6.75%

APR7.03%

Points2.350

UpdatedOct 10, 2026

Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974

Details

payment example

Rate History

No change since Oct 10, 2026 · 7.03% APR

Evergreen Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.16%

133 N Richmond St, Appleton, WI 54911 4635

Primary Home-First Mortgage - 30 Year Fixed

30 Year

7.00%

7.04%

View

▼

Rate7.00%

APR7.04%

Points0.000

UpdatedOct 9, 2026

Address133 N Richmond St, Appleton, WI 54911 4635

Details

Monthly payment example on $100,000.00, 30-year amortization results in 359 payments of $665.30 and a final payment of $668.28. Payment examples do not include taxes and insurance premiums. APR is based on <= 90% loan to value and include $399.00 in origination costs. For limited cash out refinance or purchase.

Rate History

No change since Sep 18, 2026 · 7.04% APR · checked 6 times

Quincy Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

100 Quincy Ave, Marshfield, MA 02050

Fixed Mortgage - 30 Year Fixed

30 Year

7.00%

7.04%

View

▼

Rate7.00%

APR7.04%

Points0.000

UpdatedOct 10, 2026

Address100 Quincy Ave, Marshfield, MA 02050

Details

No additional details available.

Rate History

No change since Oct 1, 2026 · 7.04% APR · checked 3 times

NEXT STEP

Institution Rating:

A+5.0 ★Texas Ratio: 5.54%

150 Defreest Dr, Albany, NY 12180

Conventional 30-Year Fixed Rate Mortgage

30 years

6.88%

7.05%

View

▼

Rate6.88%

APR7.05%

Points0.000

UpdatedOct 10, 2026

Address150 Defreest Dr, Albany, NY 12180

Details

No additional details available.

Rate History

No change since Oct 6, 2026 · 7.05% APR · checked 2 times

Signature Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.99%

12 HERBERT ST, Alexandria, VA 22305

30-year Fixed Rate Mortgage

30 years

6.75%

7.05%

View

▼

Rate6.75%

APR7.05%

Points2.000

UpdatedOct 9, 2026

Address12 HERBERT ST, Alexandria, VA 22305

Details

No additional details available.

Rate History

No change since Oct 5, 2026 · 7.05% APR · checked 2 times

Citizens Federal S&L Assoc

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

433 Madison Ave, Covington, KY 41011

Owner-Occupied Property - 30 Year Fixed

360 months

7.00%

7.05%

View

▼

Rate7.00%

APR7.05%

Points0.000

UpdatedOct 11, 2026

Address433 Madison Ave, Covington, KY 41011

Details

No additional details available.

Rate History

1 change since Sep 24, 2026 · 6.80% → 7.05% ▲ 0.25 pts · high 7.05% / low 6.80%

Sep 27, 20267.05%▲ from 6.80%
Sep 24, 20266.80%first recorded

HawaiiUSA Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.02%

1226 College Walk, Aiea, HI 96701

30 Year Fixed Rate

30 Year

6.62%

7.06%

View

▼

Rate6.62%

APR7.06%

Points2.875

UpdatedOct 12, 2026

Address1226 College Walk, Aiea, HI 96701

Details

No additional details available.

Rate History

No change since Oct 12, 2026 · 7.06% APR

Hawaiian Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

101 Pakaula St, Honolulu, HI 96707

30 Year Fixed Rate

30 years

6.75%

7.06%

View

▼

Rate6.75%

APR7.06%

Points2.375

UpdatedOct 12, 2026

Address101 Pakaula St, Honolulu, HI 96707

Details

Payment: $648.60 per $100,000; 1st Adj Rate: N/A

Rate History

No change since Sep 25, 2026 · 7.06% APR · checked 5 times

Hawaii State Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.45%

1099 Alakea St Ste 100, Aiea, HI 96701

30-Year Fixed Mortgage

30 years

6.88%

7.06%

View

▼

Rate6.88%

APR7.06%

Points1.875

UpdatedOct 12, 2026

Address1099 Alakea St Ste 100, Aiea, HI 96701

Details

No additional details available.

Rate History

4 changes since Sep 16, 2026 · 6.95% → 7.06% ▲ 0.11 pts · high 7.21% / low 6.95%

Oct 12, 20267.06%▼ from 7.08%
Oct 8, 20267.08%▼ from 7.18%
Oct 4, 20267.18%▼ from 7.21%
Sep 25, 20267.21%▲ from 6.95%

Methuen Co-operative Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.44%

243 Broadway, Methuen, MA 01844

30 Year Mortgage Fixed Rate

30 Year

7.00%

7.07%

View

▼

Rate7.00%

APR7.07%

Points0.000

UpdatedOct 11, 2026

Address243 Broadway, Methuen, MA 01844

Details

No additional details available.

Rate History

3 changes since Sep 15, 2026 · 6.56% → 7.07% ▲ 0.50 pts · high 7.07% / low 6.56%

Oct 7, 20267.07%▲ from 6.94%
Oct 1, 20266.94%▲ from 6.82%
Sep 19, 20266.82%▲ from 6.56%
Sep 15, 20266.56%first recorded

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

108 N Pleasant St, Amherst, MA 01002

30-Year Fixed Bi-Weekly

30 Years

7.00%

7.07%

View

▼

Rate7.00%

APR7.07%

Points0.000

UpdatedOct 7, 2026

Address108 N Pleasant St, Amherst, MA 01002

Details

No additional details available.

Rate History

2 changes since Sep 15, 2026 · 6.57% → 7.07% ▲ 0.50 pts · high 7.07% / low 6.57%

Sep 27, 20267.07%▲ from 6.94%
Sep 24, 20266.94%▲ from 6.57%
Sep 15, 20266.57%first recorded

Ambler Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.76%

1120 Meetinghouse Rd, Ambler, PA 19002

Mortgage Loans - 30 Year Fixed

30 Year

6.88%

7.07%

View

▼

Rate6.88%

APR7.07%

Points0.500

UpdatedOct 12, 2026

Address1120 Meetinghouse Rd, Ambler, PA 19002

Details

No additional details available.

Rate History

No change since Oct 8, 2026 · 7.07% APR · checked 2 times

Vantage Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.97%

100 Progress Point Ct, Bridgeton, IL 62201

30-Yr. Fixed

30-Yr

6.75%

7.07%

View

▼

Rate6.75%

APR7.07%

Points2.400

UpdatedOct 10, 2026

Address100 Progress Point Ct, Bridgeton, IL 62201

Details

No additional details available.

Rate History

2 changes since Sep 18, 2026 · 7.07% → 7.07% ▼ 0.00 pts · high 7.07% / low 6.73%

Oct 1, 20267.07%▲ from 6.73%
Sep 22, 20266.73%▼ from 7.07%
Sep 18, 20267.07%first recorded

Tidemark Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.21%

1305 S Salisbury Blvd, Lewes, DE 19958 4781

30 Year Fixed Rate Mortgage

30 years

7.00%

7.07%

View

▼

Rate7.00%

APR7.07%

Points0.000

UpdatedOct 9, 2026

Address1305 S Salisbury Blvd, Lewes, DE 19958 4781

Details

No additional details available.

Rate History

No change since Oct 9, 2026 · 7.07% APR

Washington Savings Bank Lowell, MA

Institution Rating:

A+5.0 ★Texas Ratio: 2.37%

100 Broadway Rd, Dracut, MA 01826

30 Year Fixed Rate

30 Year

7.08%

View

▼

Rate

APR7.08%

Points0.000

UpdatedOct 12, 2026

Address100 Broadway Rd, Dracut, MA 01826

Details

as low as

Rate History

No change since Oct 3, 2026 · 7.08% APR · checked 4 times

Neighbors Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.12%

11899 New Halls Ferry Rd, Ellisville, MO 63011

Mortgages - 30 Year Fixed

30 Year

6.88%

7.08%

View

▼

Rate6.88%

APR7.08%

Points1.250

UpdatedOct 9, 2026

Address11899 New Halls Ferry Rd, Ellisville, MO 63011

Details

No additional details available.

Rate History

No change since Oct 9, 2026 · 7.08% APR

Ascendia Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.20%

175 Rock Rd, Glen Rock, NJ 07052

Residential Mortgage Loan - 30 Year Fixed

30 Year

6.99%

7.08%

View

▼

Rate6.99%

APR7.08%

Points0.000

UpdatedOct 12, 2026

Address175 Rock Rd, Glen Rock, NJ 07052

Details

No additional details available.

Rate History

1 change since Sep 24, 2026 · 6.92% → 7.09% ▲ 0.16 pts · high 7.09% / low 6.92%

Oct 1, 20267.09%▲ from 6.92%
Sep 24, 20266.92%first recorded

Revity Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.35%

1119 S Lincoln Ave, Alton, IL 62002

30 Year Fixed

30 Year

6.88%

7.09%

View

▼

Rate6.88%

APR7.09%

Points0.000

UpdatedOct 10, 2026

Address1119 S Lincoln Ave, Alton, IL 62002

Details

No additional details available.

Rate History

No change since Oct 10, 2026 · 7.09% APR

Revity Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.35%

1119 S Lincoln Ave, Alton, IL 62002

First Mortgage Loans - 30 Year Fixed

30 Year

6.88%

7.09%

View

▼

Rate6.88%

APR7.09%

Points0.000

UpdatedOct 10, 2026

Address1119 S Lincoln Ave, Alton, IL 62002

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 6.45% → 7.09% ▲ 0.64 pts · high 7.09% / low 6.45%

Sep 18, 20267.09%▲ from 6.45%
Sep 14, 20266.45%first recorded

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

108 N Pleasant St, Amherst, MA 01002

30-Year Fixed for Purchases

30 Years

7.00%

7.09%

View

▼

Rate7.00%

APR7.09%

Points0.000

UpdatedOct 7, 2026

Address108 N Pleasant St, Amherst, MA 01002

Details

No additional details available.

Rate History

3 changes since Sep 15, 2026 · 6.59% → 7.09% ▲ 0.50 pts · high 7.09% / low 6.59%

Oct 1, 20267.09%▲ from 6.96%
Sep 27, 20266.96%▲ from 6.84%
Sep 24, 20266.84%▲ from 6.59%
Sep 15, 20266.59%first recorded

Point Breeze Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.64%

10110 Reisterstown Rd, Baltimore, MD 21014 4170

Mortgage - 30 Year Fixed

30 Year

7.00%

7.09%

View

▼

Rate7.00%

APR7.09%

Points0.000

UpdatedOct 9, 2026

Address10110 Reisterstown Rd, Baltimore, MD 21014 4170

Details

No additional details available.

Rate History

No change since Oct 1, 2026 · 7.09% APR · checked 4 times

Ascend Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.35%

1002 Crossings Blvd, Brentwood, TN 37027

Mortgage - 30 Year Fixed

7.00%

7.09%

View

▼

Rate7.00%

APR7.09%

Points0.000

UpdatedOct 12, 2026

Address1002 Crossings Blvd, Brentwood, TN 37027

Details

Rates effective August 15, 2026

Rate History

No change since Sep 25, 2026 · 7.09% APR · checked 4 times

Jarrettsville Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 2.21%

3706 Norrisville Rd, Jarrettsville, MD 21084

Fixed Rate Construction/Perm Loan - 30 Year Fixed Rate

30 Year

6.88%

7.10%

View

▼

Rate6.88%

APR7.10%

Points0.750

UpdatedOct 11, 2026

Address3706 Norrisville Rd, Jarrettsville, MD 21084

Details

% Down: 20%

Rate History

1 change since Sep 15, 2026 · 6.72% → 7.10% ▲ 0.38 pts · high 7.10% / low 6.72%

Oct 7, 20267.10%▲ from 6.72%
Sep 15, 20266.72%first recorded

Union Bank Morrisville, VT

Institution Rating:

A-4.8 ★Texas Ratio: 14.30%

1028 Us Route 302, Berlin, NH 03251

30 Year Fixed Rate Advantage Conventional

30 Year

7.00%

7.11%

View

▼

Rate7.00%

APR7.11%

Points0.000

UpdatedOct 11, 2026

Address1028 Us Route 302, Berlin, NH 03251

Details

No additional details available.

Rate History

1 change since Sep 15, 2026 · 6.60% → 7.11% ▲ 0.50 pts · high 7.11% / low 6.60%

Oct 1, 20267.11%▲ from 6.60%
Sep 15, 20266.60%first recorded

Gain Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.77%

1201 Truman St, Burbank, CA 91340

30-Year Fixed Conforming

30-Year

7.11%

View

▼

Rate

APR7.11%

Points0.000

UpdatedOct 12, 2026

Address1201 Truman St, Burbank, CA 91340

Details

No additional details available.

Rate History

1 change since Sep 16, 2026 · 6.73% → 7.11% ▲ 0.38 pts · high 7.11% / low 6.73%

Sep 25, 20267.11%▲ from 6.73%
Sep 16, 20266.73%first recorded

Gain Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.77%

1201 Truman St, Burbank, CA 91340

30-Year Fixed - Conforming

30 years

7.00%

7.11%

View

▼

Rate7.00%

APR7.11%

Points0.000

UpdatedOct 12, 2026

Address1201 Truman St, Burbank, CA 91340

Details

Loan rates are based on term and applicant credit history. All loans are subject to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period.

Rate History

1 change since Sep 16, 2026 · 6.73% → 7.11% ▲ 0.38 pts · high 7.11% / low 6.73%

Sep 25, 20267.11%▲ from 6.73%
Sep 16, 20266.73%first recorded

First Hope Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

1301 Hope Bridgeville Rd, Blairstown, NJ 07825

30 Year Fixed Monthly

6.88%

7.11%

View

▼

Rate6.88%

APR7.11%

Points1.000

UpdatedOct 11, 2026

Address1301 Hope Bridgeville Rd, Blairstown, NJ 07825

Details

No additional details available.

Rate History

2 changes since Sep 14, 2026 · 6.73% → 7.11% ▲ 0.38 pts · high 7.11% / low 6.73%

Oct 1, 20267.11%▲ from 6.88%
Sep 19, 20266.88%▲ from 6.73%
Sep 14, 20266.73%first recorded

Harleysville Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.05%

1550 Hatfield Valley Rd, Harleysville, PA 18084

30 Yr. Fixed Mortgage Loan

30 years

7.00%

7.11%

View

▼

Rate7.00%

APR7.11%

Points1.000

UpdatedOct 11, 2026

Address1550 Hatfield Valley Rd, Harleysville, PA 18084

Details

Rate Lock: 60 days

Rate History

1 change since Sep 15, 2026 · 6.48% → 7.11% ▲ 0.63 pts · high 7.11% / low 6.48%

Oct 7, 20267.11%▲ from 6.48%
Sep 15, 20266.48%first recorded

Municipal Employees Credit Union of Balt

Institution Rating:

A5.0 ★Texas Ratio: 7.57%

1 South St, Baltimore, MD 21133 4706

30-year fixed rate

30 years

7.00%

7.12%

View

▼

Rate7.00%

APR7.12%

Points0.000

UpdatedOct 9, 2026

Address1 South St, Baltimore, MD 21133 4706

Details

No additional details available.

Rate History

No change since Oct 9, 2026 · 7.12% APR

Greenfield Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.03%

144 Main St, Amherst, MA 01002

FTHB Co-op Attain 30 Yr Fixed

30 years

7.00%

7.12%

View

▼

Rate7.00%

APR7.12%

Points0.000

UpdatedOct 11, 2026

Address144 Main St, Amherst, MA 01002

Details

360 months

Rate History

2 changes since Sep 24, 2026 · 6.87% → 7.12% ▲ 0.25 pts · high 7.12% / low 6.87%

Oct 1, 20267.12%▲ from 7.00%
Sep 27, 20267.00%▲ from 6.87%
Sep 24, 20266.87%first recorded

Union Bank Morrisville, VT

Institution Rating:

A-4.8 ★Texas Ratio: 14.30%

1028 Us Route 302, Berlin, NH 03251

30 Yr Fixed Home First Conventional 80% AMI or Under

30 years

7.00%

7.12%

View

▼

Rate7.00%

APR7.12%

Points0.000

UpdatedOct 11, 2026

Address1028 Us Route 302, Berlin, NH 03251

Details

No additional details available.

Rate History

4 changes since Sep 15, 2026 · 6.62% → 7.12% ▲ 0.50 pts · high 7.12% / low 6.62%

Oct 7, 20267.12%▲ from 7.00%
Oct 3, 20267.00%▼ from 7.12%
Oct 1, 20267.12%▲ from 6.74%
Sep 19, 20266.74%▲ from 6.62%

Greenfield Co-operative Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.03%

144 Main St, Amherst, MA 01002

Homegrown Heroes 30 Year Fixed

30 years

7.00%

7.12%

View

▼

Rate7.00%

APR7.12%

Points0.000

UpdatedOct 11, 2026

Address144 Main St, Amherst, MA 01002

Details

Caps: N/A

Rate History

No change since Oct 1, 2026 · 7.12% APR · checked 4 times

Virginia Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.40%

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

30 Year Fixed Rate

360 months

6.88%

7.12%

View

▼

Rate6.88%

APR7.12%

Points1.984

UpdatedOct 10, 2026

Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974

Details

payment example

Rate History

No change since Oct 10, 2026 · 7.12% APR

Top Tier Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.09%

144 Holiday Inn Rd, Brookville, PA 15825

30 Year Fixed Rate Mortgage

360 months

7.12%

View

▼

Rate

APR7.12%

Points0.000

UpdatedOct 12, 2026

Address144 Holiday Inn Rd, Brookville, PA 15825

Details

As Low As; Rate shown based on loan amount $125,000.00 to $149,999.00 with no points and maximum Loan to Value of 95% for purchase or refinance of a single family, first lien, owner-occupied property

Rate History

1 change since Sep 16, 2026 · 6.75% → 7.13% ▲ 0.38 pts · high 7.13% / low 6.75%

Oct 2, 20267.13%▲ from 6.75%
Sep 16, 20266.75%first recorded

San Antonio Citizens Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.09%

12512 Curley St, Dade City, FL 33525

30 YR Mortgage

30 years

7.12%

View

▼

Rate

APR7.12%

Points0.000

UpdatedOct 12, 2026

Address12512 Curley St, Dade City, FL 33525

Details

Additional APR listed for this product: 7.625%. As Low As; Promotional card rate from homepage carousel

Rate History

1 change since Sep 14, 2026 · 6.88% → 7.13% ▲ 0.25 pts · high 7.13% / low 6.88%

Oct 12, 20267.13%▲ from 6.88%
Sep 14, 20266.88%first recorded

Hawaiian Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

101 Pakaula St, Honolulu, HI 96707

30 Year Fixed Rate

30 years

6.88%

7.12%

View

▼

Rate6.88%

APR7.12%

Points1.750

UpdatedOct 12, 2026

Address101 Pakaula St, Honolulu, HI 96707

Details

Payment: $656.93 per $100,000; 1st Adj Rate: N/A

Rate History

No change since Sep 25, 2026 · 7.13% APR · checked 5 times

Spencer Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.96%

1 Towne Ctr, Cliffside Park, NJ 07006

30 Year Fixed

30 Year

7.12%

View

▼

Rate7.12%

APR7.12%

Points0.000

UpdatedOct 7, 2026

Address1 Towne Ctr, Cliffside Park, NJ 07006

Details

Owner Occupied

Rate History

No change since Oct 7, 2026 · 7.13% APR

Signature Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.99%

12 HERBERT ST, Alexandria, VA 22305

30-year Fixed Rate Mortgage

30 years

6.88%

7.13%

View

▼

Rate6.88%

APR7.13%

Points1.500

UpdatedOct 9, 2026

Address12 HERBERT ST, Alexandria, VA 22305

Details

No additional details available.

Rate History

No change since Oct 5, 2026 · 7.13% APR · checked 2 times

Bank of Old Monroe

Institution Rating:

A+5.0 ★Texas Ratio: 0.03%

#10 Freise Industrial Drive, Moscow Mills, MO 63362

30 Year Fixed Rate

30 years

7.00%

7.13%

View

▼

Rate7.00%

APR7.13%

Points0.000

UpdatedOct 11, 2026

Address#10 Freise Industrial Drive, Moscow Mills, MO 63362

Details

No additional details available.

Rate History

No change since Sep 19, 2026 · 7.13% APR · checked 3 times

Texell Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.98%

1221 Hewitt Dr, Belton, TX 76501 7603

USDA 30-year Fixed purchase

360 months

6.63%

7.13%

View

▼

Rate6.63%

APR7.13%

Points0.000

UpdatedOct 10, 2026

Address1221 Hewitt Dr, Belton, TX 76501 7603

Details

No additional details available.

Rate History

4 changes since Sep 14, 2026 · 6.49% → 7.13% ▲ 0.64 pts · high 7.38% / low 6.49%

Oct 10, 20267.13%▼ from 7.38%
Oct 1, 20267.38%▲ from 6.99%
Sep 27, 20266.99%▲ from 6.88%
Sep 18, 20266.88%▲ from 6.49%

Winter Hill Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

271 Main St, North Reading, MA 01864

ONE Mortgage 30 Year Fixed (Purchases only)

30 Year

7.00%

7.13%

View

▼

Rate7.00%

APR7.13%

Points0.000

UpdatedOct 11, 2026

Address271 Main St, North Reading, MA 01864

Details

No additional details available.

Rate History

3 changes since Sep 15, 2026 · 6.50% → 7.13% ▲ 0.63 pts · high 7.13% / low 6.50%

Oct 11, 20267.13%▲ from 7.00%
Oct 1, 20267.00%▲ from 6.75%
Sep 19, 20266.75%▲ from 6.50%
Sep 15, 20266.50%first recorded

Sunmark Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.47%

113 Holland Ave, Albany, NY 10547

30-Year Fixed Rate Mortgage

30-year

7.13%

View

▼

Rate

APR7.13%

Points0.000

UpdatedOct 10, 2026

Address113 Holland Ave, Albany, NY 10547

Details

Conventional loan of $200,000 based on a value of $334,000 for a primary residence and rate/term refinance transaction of an existing single family detached home in the City of Albany, Albany County, New York for an interest rate lock period of 60 days and includes tax and homeowner's insurance escrows. The actual APR and fees will be based on individual loan features and creditworthiness of at least 780 credit score.

Rate History

4 changes since Sep 14, 2026 · 6.51% → 7.13% ▲ 0.63 pts · high 7.26% / low 6.51%

Oct 10, 20267.13%▼ from 7.26%
Oct 1, 20267.26%▲ from 7.01%
Sep 27, 20267.01%▲ from 6.76%
Sep 18, 20266.76%▲ from 6.51%

Sunmark Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.47%

113 Holland Ave, Albany, NY 10547

Conventional 30-Year Fixed Mortgage

30 years

6.99%

7.13%

View

▼

Rate6.99%

APR7.13%

Points0.000

UpdatedOct 10, 2026

Address113 Holland Ave, Albany, NY 10547

Details

No additional details available.

Rate History

No change since Oct 10, 2026 · 7.13% APR

InFirst Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.06%

1007 Georges Station Rd, Blairsville, PA 15601

30 Year Fixed Rate Portfolio Mortgage

30 Year

7.00%

7.14%

View

▼

Rate7.00%

APR7.14%

Points0.000

UpdatedOct 11, 2026

Address1007 Georges Station Rd, Blairsville, PA 15601

Details

No additional details available.

Rate History

3 changes since Sep 15, 2026 · 6.51% → 7.14% ▲ 0.63 pts · high 7.14% / low 6.51%

Oct 11, 20267.14%▲ from 7.01%
Oct 1, 20267.01%▲ from 6.76%
Sep 24, 20266.76%▲ from 6.51%
Sep 15, 20266.51%first recorded

Community Savings Bank Chicago, IL

Institution Rating:

A+5.0 ★Texas Ratio: 0.99%

4801 W Belmont Ave, Chicago, IL 60641

30 Year Fixed Mortgage

30 Year

7.00%

7.15%

View

▼

Rate7.00%

APR7.15%

Points0.000

UpdatedOct 11, 2026

Address4801 W Belmont Ave, Chicago, IL 60641

Details

No additional details available.

Rate History

2 changes since Sep 15, 2026 · 6.77% → 7.15% ▲ 0.38 pts · high 7.15% / low 6.77%

Oct 11, 20267.15%▲ from 7.02%
Sep 24, 20267.02%▲ from 6.77%
Sep 15, 20266.77%first recorded

Peoples Trust Co. of St. Albans

Institution Rating:

A+5.0 ★Texas Ratio: 2.08%

1127 Ethan Allen Highway, Enosburg Falls, VT 05450

30 Year Fixed Rate

30 Year

7.12%

7.15%

View

▼

Rate7.12%

APR7.15%

Points1.000

UpdatedOct 12, 2026

Address1127 Ethan Allen Highway, Enosburg Falls, VT 05450

Details

No additional details available.

Rate History

1 change since Oct 3, 2026 · 7.02% → 7.15% ▲ 0.13 pts · high 7.15% / low 7.02%

Oct 8, 20267.15%▲ from 7.02%
Oct 3, 20267.02%first recorded

Mi Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.74%

3707 W Maple Rd, Bloomfield Township, MI 48301

30-Year Fixed

30 years

6.99%

7.15%

View

▼

Rate6.99%

APR7.15%

Points0.000

UpdatedOct 7, 2026

Address3707 W Maple Rd, Bloomfield Township, MI 48301

Details

No additional details available.

Rate History

No change since Sep 15, 2026 · 7.15% APR · checked 8 times

State Department Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.05%

1630 King St, Alexandria, DC 20319 0001

Conforming 30 Year Fixed

30 years

7.12%

7.15%

View

▼

Rate7.12%

APR7.15%

Points0.250

UpdatedOct 12, 2026

Address1630 King St, Alexandria, DC 20319 0001

Details

No additional details available.

Rate History

4 changes since Sep 16, 2026 · 6.88% → 7.15% ▲ 0.28 pts · high 7.20% / low 6.88%

Oct 12, 20267.15%▼ from 7.20%
Oct 8, 20267.20%▲ from 7.13%
Oct 4, 20267.13%▼ from 7.19%
Oct 2, 20267.19%▲ from 6.88%

Spencer Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.96%

1 Towne Ctr, Cliffside Park, NJ 07006

30 Year Fixed Rate

30 Year

7.12%

7.16%

View

▼

Rate7.12%

APR7.16%

Points0.000

UpdatedOct 7, 2026

Address1 Towne Ctr, Cliffside Park, NJ 07006

Details

Loan Amounts: $832,751-$1,000,000

Rate History

1 change since Sep 15, 2026 · 6.79% → 7.16% ▲ 0.38 pts · high 7.16% / low 6.79%

Oct 7, 20267.16%▲ from 6.79%
Sep 15, 20266.79%first recorded

United Savings Bank Philadelphia, PA

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

1510 Packer Ave, Broomall, PA 19008

30 Year Fixed

30 Year

7.00%

7.17%

View

▼

Rate7.00%

APR7.17%

Points1.000

UpdatedOct 11, 2026

Address1510 Packer Ave, Broomall, PA 19008

Details

No additional details available.

Rate History

3 changes since Sep 19, 2026 · 6.78% → 7.17% ▲ 0.39 pts · high 7.17% / low 6.78%

Oct 11, 20267.17%▲ from 7.16%
Oct 1, 20267.16%▲ from 7.03%
Sep 27, 20267.03%▲ from 6.78%
Sep 19, 20266.78%first recorded

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

108 N Pleasant St, Amherst, MA 01002

30-Year Fixed

30 Years

6.88%

7.17%

View

▼

Rate6.88%

APR7.17%

Points2.000

UpdatedOct 7, 2026

Address108 N Pleasant St, Amherst, MA 01002

Details

No additional details available.

Rate History

3 changes since Sep 15, 2026 · 6.66% → 7.17% ▲ 0.51 pts · high 7.17% / low 6.66%

Oct 1, 20267.17%▲ from 7.04%
Sep 27, 20267.04%▲ from 6.91%
Sep 24, 20266.91%▲ from 6.66%
Sep 15, 20266.66%first recorded

Beacon Credit Union Incorporated

Institution Rating:

A+5.0 ★Texas Ratio: 1.80%

107 Leroy Bowen Dr, Bedford, VA 24012 7209

30 Year Fixed Purchase

30 Year

7.00%

7.17%

View

▼

Rate7.00%

APR7.17%

Points0.750

UpdatedOct 9, 2026

Address107 Leroy Bowen Dr, Bedford, VA 24012 7209

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 7.04% → 7.17% ▲ 0.13 pts · high 7.17% / low 7.04%

Sep 22, 20267.17%▲ from 7.04%
Sep 14, 20267.04%first recorded

Beacon Credit Union Incorporated

Institution Rating:

A+5.0 ★Texas Ratio: 1.80%

107 Leroy Bowen Dr, Bedford, VA 24012 7209

30 Year Fixed Refinance

30 Year

7.00%

7.17%

View

▼

Rate7.00%

APR7.17%

Points0.750

UpdatedOct 9, 2026

Address107 Leroy Bowen Dr, Bedford, VA 24012 7209

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 7.04% → 7.17% ▲ 0.13 pts · high 7.17% / low 7.04%

Sep 22, 20267.17%▲ from 7.04%
Sep 14, 20267.04%first recorded

Educational Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.58%

1070 E Teague Ave, Clovis, CA 93230 4938

30 Year Fixed Rate - Non-Owner Occupied

30 Year

7.00%

7.17%

View

▼

Rate7.00%

APR7.17%

Points0.000

UpdatedOct 9, 2026

Address1070 E Teague Ave, Clovis, CA 93230 4938

Details

No additional details available.

Rate History

No change since Sep 29, 2026 · 7.17% APR · checked 6 times

Security Bank of Kansas City

Institution Rating:

A+5.0 ★Texas Ratio: 0.12%

1000 Minnesota Ave, Fairway, KS 64063

30-Year Fixed Rate

30 years

7.00%

7.17%

View

▼

Rate7.00%

APR7.17%

Points0.000

UpdatedOct 7, 2026

Address1000 Minnesota Ave, Fairway, KS 64063

Details

Posted rates include a 0.50% discount for loans setup with automatic monthly payments out of a Security Bank of Kansas City Deposit account at origination. Requires an open and active checking or savings deposit account at Security Bank of Kansas City when the loan is originated.

Rate History

2 changes since Sep 15, 2026 · 6.79% → 7.17% ▲ 0.38 pts · high 7.17% / low 6.79%

Oct 1, 20267.17%▲ from 6.92%
Sep 27, 20266.92%▲ from 6.79%
Sep 15, 20266.79%first recorded

HawaiiUSA Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.02%

1226 College Walk, Aiea, HI 96701

30 Year Fixed Rate

30 Year

6.88%

7.17%

View

▼

Rate6.88%

APR7.17%

Points0.875

UpdatedOct 12, 2026

Address1226 College Walk, Aiea, HI 96701

Details

No additional details available.

Rate History

No change since Oct 12, 2026 · 7.18% APR

Tremont Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.79%

10 Corinth St, Dorchester, MA 02125

Mortgages - 30 Year Fixed Conventional

30 years

6.99%

7.19%

View

▼

Rate6.99%

APR7.19%

Points0.000

UpdatedOct 10, 2026

Address10 Corinth St, Dorchester, MA 02125

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 7.07% → 7.19% ▲ 0.12 pts · high 7.19% / low 7.07%

Oct 10, 20267.19%▲ from 7.07%
Sep 14, 20267.07%first recorded

Tremont Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.79%

10 Corinth St, Dorchester, MA 02125

Non-QM/Non-Traditional Mortgages - 30 Year Fixed Conventional

30 years

6.99%

7.19%

View

▼

Rate6.99%

APR7.19%

Points0.000

UpdatedOct 10, 2026

Address10 Corinth St, Dorchester, MA 02125

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 7.07% → 7.19% ▲ 0.12 pts · high 7.19% / low 7.07%

Oct 1, 20267.19%▲ from 7.07%
Sep 14, 20267.07%first recorded

TrustCo Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.14%

1 Johnson Rd, Airmont, FL 01201

30 Year Mortgages: Purchase

30 Year

7.12%

7.19%

View

▼

Rate7.12%

APR7.19%

Points0.000

UpdatedOct 7, 2026

Address1 Johnson Rd, Airmont, FL 01201

Details

No additional details available.

Rate History

1 change since Sep 19, 2026 · 6.94% → 7.19% ▲ 0.25 pts · high 7.19% / low 6.94%

Oct 1, 20267.19%▲ from 6.94%
Sep 19, 20266.94%first recorded

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

108 N Pleasant St, Amherst, MA 01002

30-Year Fixed

30 Years

7.00%

7.19%

View

▼

Rate7.00%

APR7.19%

Points1.000

UpdatedOct 7, 2026

Address108 N Pleasant St, Amherst, MA 01002

Details

No additional details available.

Rate History

3 changes since Sep 15, 2026 · 6.68% → 7.19% ▲ 0.51 pts · high 7.19% / low 6.68%

Oct 1, 20267.19%▲ from 7.06%
Sep 27, 20267.06%▲ from 6.94%
Sep 24, 20266.94%▲ from 6.68%
Sep 15, 20266.68%first recorded

Wings Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.15%

1 Mount Baldy Dr, Aurora, CO 80011 7809

30-Year Fixed-Rate First-Time Home Buyer (FTHB)

30-Year

7.12%

7.19%

View

▼

Rate7.12%

APR7.19%

Points0.000

UpdatedOct 10, 2026

Address1 Mount Baldy Dr, Aurora, CO 80011 7809

Details

No additional details available.

Rate History

4 changes since Sep 14, 2026 · 6.69% → 7.19% ▲ 0.50 pts · high 7.32% / low 6.69%

Oct 2, 20267.19%▼ from 7.32%
Oct 1, 20267.32%▲ from 7.19%
Sep 27, 20267.19%▲ from 6.94%
Sep 18, 20266.94%▲ from 6.69%

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

1 Carmichael St, Barre, VT 05401 4441

30 Year Fixed Rate

30 Year

6.88%

7.19%

View

▼

Rate6.88%

APR7.19%

Points2.000

UpdatedOct 9, 2026

Address1 Carmichael St, Barre, VT 05401 4441

Details

No additional details available.

Rate History

3 changes since Sep 14, 2026 · 6.43% → 7.19% ▲ 0.76 pts · high 7.19% / low 6.43%

Oct 9, 20267.19%▲ from 7.07%
Oct 5, 20267.07%▲ from 6.81%
Sep 18, 20266.81%▲ from 6.43%
Sep 14, 20266.43%first recorded

Naveo Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.78%

251 Hampshire St, Cambridge, MA 01905

Conforming Fixed Rate Mortgage - 30 Year Fixed Rate

30 Year

7.12%

7.19%

View

▼

Rate7.12%

APR7.19%

Points0.000

UpdatedOct 10, 2026

Address251 Hampshire St, Cambridge, MA 01905

Details

No additional details available.

Rate History

3 changes since Sep 18, 2026 · 6.82% → 7.19% ▲ 0.38 pts · high 7.32% / low 6.82%

Oct 10, 20267.19%▼ from 7.32%
Oct 2, 20267.32%▲ from 7.19%
Sep 27, 20267.19%▲ from 6.82%
Sep 18, 20266.82%first recorded

Family First Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.67%

1011 N Michigan Ave, Freeland, MI 48602 4326

Mortgages - 30 Year Fixed

30 Year

7.20%

View

▼

Rate

APR7.20%

Points0.000

UpdatedOct 9, 2026

Address1011 N Michigan Ave, Freeland, MI 48602 4326

Details

No additional details available.

Rate History

1 change since Sep 14, 2026 · 6.70% → 7.20% ▲ 0.50 pts · high 7.20% / low 6.70%

Oct 2, 20267.20%▲ from 6.70%
Sep 14, 20266.70%first recorded

Hawaii State Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.45%

1099 Alakea St Ste 100, Aiea, HI 96701

30-Year Fixed Mortgage

30 years

7.12%

7.20%

View

▼

Rate7.12%

APR7.20%

Points0.750

UpdatedOct 12, 2026

Address1099 Alakea St Ste 100, Aiea, HI 96701

Details

No additional details available.

Rate History

4 changes since Sep 16, 2026 · 6.95% → 7.20% ▲ 0.25 pts · high 7.21% / low 6.95%

Oct 12, 20267.20%▼ from 7.21%
Oct 8, 20267.21%▲ from 7.18%
Oct 4, 20267.18%▼ from 7.21%
Sep 25, 20267.21%▲ from 6.95%

Signature Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.99%

12 HERBERT ST, Alexandria, VA 22305

30-year Fixed Rate Mortgage

30 years

7.00%

7.20%

View

▼

Rate7.00%

APR7.20%

Points1.000

UpdatedOct 9, 2026

Address12 HERBERT ST, Alexandria, VA 22305

Details

No additional details available.

Rate History

No change since Oct 5, 2026 · 7.20% APR · checked 2 times

Sacramento Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.33%

1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756

30-YEAR FIXED

7.00%

7.20%

View

▼

Rate7.00%

APR7.20%

Points1.000

UpdatedOct 9, 2026

Address1705 Iron Point Rd Ste 100, Elk Grove, CA 95628 3756

Details

No additional details available.

Rate History

4 changes since Sep 14, 2026 · 6.35% → 7.20% ▲ 0.86 pts · high 7.20% / low 6.35%

Oct 9, 20267.20%▲ from 6.95%
Oct 2, 20266.95%▲ from 6.82%
Sep 29, 20266.82%▲ from 6.70%
Sep 18, 20266.70%▲ from 6.35%

Hawaiian Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.38%

101 Pakaula St, Honolulu, HI 96707

30 Year Fixed Rate

30 years

7.00%

7.20%

View

▼

Rate7.00%

APR7.20%

Points1.250

UpdatedOct 12, 2026

Address101 Pakaula St, Honolulu, HI 96707

Details

Payment: $665.30 per $100,000; 1st Adj Rate: N/A

Rate History

No change since Sep 25, 2026 · 7.20% APR · checked 5 times

Strata Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.08%

1535 Panama Ln, Bakersfield, CA 93280

30 Year Fixed Rate

30 years

7.00%

7.20%

View

▼

Rate7.00%

APR7.20%

Points0.000

UpdatedOct 12, 2026

Address1535 Panama Ln, Bakersfield, CA 93280

Details

As Low As; APR based on $250,000 loan, 80% LTV, FICO 740+, 60-day rate lock

Rate History

2 changes since Sep 17, 2026 · 6.50% → 7.20% ▲ 0.70 pts · high 7.20% / low 6.50%

Oct 12, 20267.20%▲ from 6.70%
Oct 8, 20266.70%▲ from 6.50%
Sep 17, 20266.50%first recorded

Liberty Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

1000 Southwalk Dr, Bowling Green, IN 37067 5692

30 Year Fixed Conventional Conforming Mortgage

30-year

7.12%

7.21%

View

▼

Rate7.12%

APR7.21%

Points0.000

UpdatedOct 12, 2026

Address1000 Southwalk Dr, Bowling Green, IN 37067 5692

Details

Loan Rate Discount; Conventional conforming financing of purchases for primary residences only. Certain product restrictions apply. Closing costs may apply. A sample principal and interest payment on a (30)-year $200,000 fixed rate loan amount with a 7.125% interest rate (7.205% APR) is $1,629 including taxes, insurance, and PMI. This sample is based on a credit score of 760 and a LTV of 95% (5% down payment) and includes our loan rate discount. Actual interest rate may vary based on credit history, loan purpose, loan to value, etc. Product offerings may vary by state or , and all rates listed are specific to their respective mortgage program.

Rate History

No change since Oct 12, 2026 · 7.21% APR

Virginia Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.40%

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

30 Year Fixed Rate Mortgage

360 months

7.00%

7.21%

View

▼

Rate7.00%

APR7.21%

Points1.342

UpdatedOct 10, 2026

Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974

Details

payment example

Rate History

No change since Oct 10, 2026 · 7.21% APR

GTE Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.65%

101 E Bloomingdale Ave, Bradenton, FL 33511

30 Year Fixed

30 Year

7.21%

View

▼

Rate

APR7.21%

Points0.000

UpdatedOct 12, 2026

Address101 E Bloomingdale Ave, Bradenton, FL 33511

Details

As Low As

Rate History

2 changes since Sep 25, 2026 · 7.09% → 7.21% ▲ 0.13 pts · high 7.36% / low 7.09%

Oct 12, 20267.21%▼ from 7.36%
Oct 8, 20267.36%▲ from 7.09%
Sep 25, 20267.09%first recorded

Greenfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.75%

108 N Pleasant St, Amherst, MA 01002

30-Year Fixed

30 Years

7.12%

7.22%

View

▼

Rate7.12%

APR7.22%

Points0.000

UpdatedOct 7, 2026

Address108 N Pleasant St, Amherst, MA 01002

Details

No additional details available.

Rate History

3 changes since Sep 15, 2026 · 6.71% → 7.22% ▲ 0.50 pts · high 7.22% / low 6.71%

Oct 1, 20267.22%▲ from 7.09%
Sep 27, 20267.09%▲ from 6.96%
Sep 24, 20266.96%▲ from 6.71%
Sep 15, 20266.71%first recorded

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

1 Carmichael St, Barre, VT 05401 4441

30 Year Fixed Rate

30 Year

7.00%

7.22%

View

▼

Rate7.00%

APR7.22%

Points1.000

UpdatedOct 9, 2026

Address1 Carmichael St, Barre, VT 05401 4441

Details

No additional details available.

Rate History

3 changes since Sep 14, 2026 · 6.46% → 7.22% ▲ 0.76 pts · high 7.22% / low 6.46%

Oct 9, 20267.22%▲ from 7.09%
Oct 5, 20267.09%▲ from 6.84%
Sep 18, 20266.84%▲ from 6.46%
Sep 14, 20266.46%first recorded

USF Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.76%

1 Tampa General Cir, Odessa, FL 32837 4032

30 Year Fixed Rate

30 Year

7.12%

7.22%

View

▼

Rate7.12%

APR7.22%

Points0.000

UpdatedOct 9, 2026

Address1 Tampa General Cir, Odessa, FL 32837 4032

Details

Rates posted are for loans in FL, rates and products can vary based on state.

Rate History

1 change since Sep 18, 2026 · 6.97% → 7.22% ▲ 0.25 pts · high 7.22% / low 6.97%

Sep 25, 20267.22%▲ from 6.97%
Sep 18, 20266.97%first recorded

Phoenixville Federal B&T

Institution Rating:

A5.0 ★Texas Ratio: 8.13%

451 W Ridge Pike, Collegeville, PA 19426

30 Year Mortgage

30 Year

7.12%

7.22%

View

▼

Rate7.12%

APR7.22%

Points0.000

UpdatedOct 12, 2026

Address451 W Ridge Pike, Collegeville, PA 19426

Details

No additional details available.

Rate History

3 changes since Sep 16, 2026 · 6.72% → 7.22% ▲ 0.51 pts · high 7.22% / low 6.72%

Oct 8, 20267.22%▲ from 7.10%
Oct 1, 20267.10%▲ from 6.97%
Sep 24, 20266.97%▲ from 6.72%
Sep 16, 20266.72%first recorded

Polish National Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.02%

1 Parkside Ave, Chicopee, MA 01020

30 Year Fixed Rate Mortgage

30 Years

6.88%

7.22%

View

▼

Rate6.88%

APR7.22%

Points0.000

UpdatedOct 9, 2026

Address1 Parkside Ave, Chicopee, MA 01020

Details

No additional details available.

Rate History

No change since Oct 1, 2026 · 7.22% APR · checked 4 times

The Peoples Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.51%

150 Old Tower Hill Rd, Bristol, RI 02809

30-Year Fixed Rate

30 years

7.12%

7.23%

View

▼

Rate7.12%

APR7.23%

Points0.000

UpdatedOct 9, 2026

Address150 Old Tower Hill Rd, Bristol, RI 02809

Details

No additional details available.

Rate History

2 changes since Sep 14, 2026 · 6.47% → 7.23% ▲ 0.76 pts · high 7.23% / low 6.47%

Oct 9, 20267.23%▲ from 6.72%
Oct 1, 20266.72%▲ from 6.47%
Sep 14, 20266.47%first recorded

PSB Provident Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.42%

12460 Heacock St, Blythe, CA 92225

30 Year Fixed

360 months

7.12%

7.23%

View

▼

Rate7.12%

APR7.23%

Points0.000

UpdatedOct 3, 2026

Address12460 Heacock St, Blythe, CA 92225

Details

On a typical loan of $500,000.00

Rate History

2 changes since Sep 15, 2026 · 6.72% → 7.23% ▲ 0.50 pts · high 7.23% / low 6.72%

Oct 1, 20267.23%▲ from 7.10%
Sep 27, 20267.10%▲ from 6.72%
Sep 15, 20266.72%first recorded

Universal City Studios Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.27%

175 E Olive Ave, Burbank, CA 91502 1853

30 Year Fixed Rate Mortgage

30 years

7.23%

View

▼

Rate

APR7.23%

Points0.000

UpdatedOct 9, 2026

Address175 E Olive Ave, Burbank, CA 91502 1853

Details

No additional details available.

Rate History

No change since Oct 9, 2026 · 7.23% APR

Signal Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.25%

1101 New York Ave NW, Ashburn, DC 20005 4269

Mortgage Loans - 30-year fixed

30 years

7.15%

7.23%

View

▼

Rate7.15%

APR7.23%

Points0.000

UpdatedOct 12, 2026

Address1101 New York Ave NW, Ashburn, DC 20005 4269

Details

Rates as of October 12, 2026; subject to credit approval; rates apply to loans up to the current FHFA conforming loan limit

Rate History

No change since Oct 12, 2026 · 7.23% APR

GTE Financial Credit Union Online

30 Year Fixed

7.24%

View

▼

Rate

APR7.24%

Points0.000

UpdatedOct 10, 2026

Details

AS LOW AS

Rate History

1 change since Oct 1, 2026 · 7.22% → 7.24% ▲ 0.01 pts · high 7.24% / low 7.22%

Oct 10, 20267.24%▲ from 7.22%
Oct 1, 20267.22%first recorded

Sunmark Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.47%

113 Holland Ave, Albany, NY 10547

Construction Draw Loan - 30 Year Fixed Mortgage

30 years

7.12%

7.24%

View

▼

Rate7.12%

APR7.24%

Points0.000

UpdatedOct 10, 2026

Address113 Holland Ave, Albany, NY 10547

Details

No additional details available.

Rate History

No change since Oct 10, 2026 · 7.24% APR

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

1 Carmichael St, Barre, VT 05401 4441

30 Year Fixed Rate

30 Year

7.12%

7.24%

View

▼

Rate7.12%

APR7.24%

Points0.000

UpdatedOct 9, 2026

Address1 Carmichael St, Barre, VT 05401 4441

Details

No additional details available.

Rate History

3 changes since Sep 14, 2026 · 6.49% → 7.24% ▲ 0.75 pts · high 7.24% / low 6.49%

Oct 9, 20267.24%▲ from 7.12%
Oct 5, 20267.12%▲ from 6.86%
Sep 18, 20266.86%▲ from 6.49%
Sep 14, 20266.49%first recorded

AltaOne Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.36%

111 Mountain View Rd, Bakersfield, CA 93238

First-Time Buyer Program - Conventional (30 yr) Loan

30 years

7.25%

View

▼

Rate

APR7.25%

Points0.000

UpdatedOct 12, 2026

Address111 Mountain View Rd, Bakersfield, CA 93238

Details

As Low As; Mortgage APR; effective 5/27/2026 for purchases and refinance; based on $400,000 value, $300,000 loan, 75% LTV, FICO 740; $0 down, no mortgage insurance; First-Time Homebuyer: borrower(s) have not owned a property in the past 3 years

Rate History

No change since Oct 12, 2026 · 7.25% APR

Consumers Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.56%

1037 Washington Ave, Battle Creek, MI 48823

30-Yr Fixed Purchase

30 years

7.25%

View

▼

Rate

APR7.25%

Points0.000

UpdatedOct 9, 2026

Address1037 Washington Ave, Battle Creek, MI 48823

Details

As low as; Mortgage

Rate History

No change since Oct 2, 2026 · 7.25% APR · checked 2 times

Transcend Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.70%

12104 Shelbyville Rd, Lexington, KY 40202

30-year fixed home loan

30 years

7.25%

View

▼

Rate

APR7.25%

Points0.000

UpdatedOct 10, 2026

Address12104 Shelbyville Rd, Lexington, KY 40202

Details

As Low As

Rate History

3 changes since Sep 14, 2026 · 6.50% → 7.25% ▲ 0.75 pts · high 7.25% / low 6.50%

Oct 10, 20267.25%▲ from 7.00%
Sep 27, 20267.00%▲ from 6.75%
Sep 18, 20266.75%▲ from 6.50%
Sep 14, 20266.50%first recorded

NorState Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.81%

156 Main St, Ashland, ME 04732

Mortgage Loans - 30 year fixed

30 year

7.25%

View

▼

Rate

APR7.25%

Points0.000

UpdatedOct 12, 2026

Address156 Main St, Ashland, ME 04732

Details

20% Down Payment

Rate History

No change since Sep 16, 2026 · 7.25% APR · checked 6 times

Disclaimer

The 30-year fixed mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment. Rates are subject to change without notice.

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

30-Year Fixed Mortgage Rate Trend

Daily average rates across all mortgage types

Daily mortgage rate averages compiled from our database of 167+ banks and credit unions — updated daily.

View Full Trends Report →

30-Year Fixed — Avg

7.370%

▲ 0.021% from last week

The 30-year fixed rate rose 0.021 points over the past 7 days to 7.370%, up from 7.349% last week.

Quick Reference — October 2026

Est. payment ($400k loan): $2,761/mo

Loan type: Fixed-rate, 30-year term

Best for: Lower monthly payments, long-term stability

Data source: mortgage rate averages compiled from our database of 167+ banks and credit unions

As of Oct 13, 2026 • Daily averages from our database of 167+ U.S. banks & credit unions — updated daily

30-Year Fixed Rate Forecast Oct 2026 – Sep 2027

The projections below model expected 30-year fixed rate movement over the next 12 months based on the current Federal Reserve rate path, the prevailing spread over fed funds rate (3.745 pp), and a projected −0.15 pp 10-year Treasury compression in months 9–12. Upper and lower bands reflect a ±0.30 / 0.35 pp scenario range. These are analytical estimates, not guarantees.

Projected Rate & Monthly Payment Impact

Loan amount: $242,720 (U.S. median home $303,400, 20% down). PTI vs. U.S. median income $77,719/yr. Red = above 30% PTI threshold.

Month	Est. Rate	Upper	Lower	Fed Rate	Monthly P&I	PTI Ratio
Oct 2026 Now	7.370%	7.670%	7.020%	3.625%	$1,676	25.9%
Nov 2026	7.370%	7.670%	7.020%	3.625%	$1,676	25.9%
Dec 2026	7.370%	7.670%	7.020%	3.625%	$1,676	25.9%
Jan 2027	7.370%	7.670%	7.020%	3.625%	$1,676	25.9%
Feb 2027	7.370%	7.670%	7.020%	3.625%	$1,676	25.9%
Mar 2027	7.370%	7.670%	7.020%	3.625%	$1,676	25.9%
Apr 2027	7.370%	7.670%	7.020%	3.625%	$1,676	25.9%
May 2027	7.370%	7.670%	7.020%	3.625%	$1,676	25.9%
Jun 2027	6.970%	7.270%	6.620%	3.375%	$1,610	24.9%
Jul 2027	6.970%	7.270%	6.620%	3.375%	$1,610	24.9%
Aug 2027	6.970%	7.270%	6.620%	3.375%	$1,610	24.9%
Sep 2027	6.970%	7.270%	6.620%	3.375%	$1,610	24.9%

Disclaimer: Forecast projections are based on current market spread analysis and the Federal Reserve's published rate trajectory. Actual 30-year fixed rates will vary. PTI = monthly principal & interest divided by monthly gross income. Not financial advice.

30-Year Mortgage Housing Affordability Index

The Housing Affordability Index (HAI) measures whether a median-income family can qualify for a mortgage on a median-priced home. A score of 100 means median income exactly covers the qualifying income for a median-priced home. Scores above 100 indicate the median family earns more than necessary; scores below 100 indicate stretched affordability. View the full HAI report →

HAI Score

97.1

Near U.S. Average

As of Oct 13, 2026

Rate Used in Index

7.370%

30-Year Fixed Avg

Lenders Tracked

167+

245 rate quotes

What HAI = 100 Means

A median-income household earns exactly enough to qualify for a mortgage on the median-priced home at current rates.

How to read this score: An HAI of 97.1 means a family earning the median U.S. income has approximately 97% of the income needed to qualify for the median-priced home using a 30-year fixed mortgage. A score below 100 indicates that affordability is stretched at today's rates. For the full breakdown including metro-level data and historical trend, see our Housing Affordability Index page.

How 30-Year Mortgage Rates Impact Affordability

Even a small change in your 30-year fixed rate has a compounding effect on your monthly payment and total interest paid over 30 years. The table below shows principal & interest payments across common loan amounts at today's rate and nearby scenarios, with a PTI (payment-to-income) ratio using the U.S. median income of $77,719/yr.

Loan Amount	7.370% (Current)	7.620% (+0.25%)	7.870% (+0.50%)	7.120% (-0.25%)
30-Year P&I / PTI	P&I / PTI	P&I / PTI	P&I / PTI	P&I / PTI
$150,000	$1,036 16%	$1,061 16.4%	$1,087 16.8%	$1,010 15.6%
$200,000	$1,381 21.3%	$1,415 21.8%	$1,449 22.4%	$1,347 20.8%
$250,000 (Median)	$1,726 26.6%	$1,769 27.3%	$1,812 28%	$1,683 26%
$300,000	$2,071 32% ⚠	$2,122 32.8% ⚠	$2,174 33.6% ⚠	$2,020 31.2% ⚠
$350,000	$2,416 37.3% ⚠	$2,476 38.2% ⚠	$2,537 39.2% ⚠	$2,357 36.4% ⚠
$400,000	$2,761 42.6% ⚠	$2,830 43.7% ⚠	$2,899 44.8% ⚠	$2,694 41.6% ⚠
$500,000	$3,452 53.3% ⚠	$3,537 54.6% ⚠	$3,624 56% ⚠	$3,367 52% ⚠
$600,000	$4,142 64% ⚠	$4,245 65.5% ⚠	$4,348 67.1% ⚠	$4,040 62.4% ⚠

Table shows principal & interest only. Actual mortgage payment includes taxes, insurance, and possibly HOA or PMI. PTI = P&I / (U.S. median income / 12). ⚠ Red PTI indicates payment exceeds 30% of median monthly income.

U.S. Income & Housing Affordability

The figures below combine U.S. Census Bureau ACS 5-Year 2024 estimates with current 30-year mortgage rate data to give a real-world picture of homeownership affordability.

Median Household Income

$77,719

ACS 5-Year 2024 • $6,477/mo

Median Home Value

$303,400

ACS 5-Year 2024 • 20% down = $60,680

PTI at Current Rate

25.9%

P&I / monthly income • Manageable

Homeownership Rate

65.7%

CPS/HVS Q4 2025 • Rental vacancy 0.9%

What These Numbers Mean for 30-Year Borrowers

A buyer purchasing the median-priced home ($303,400) with a 20% down payment ($60,680) would carry a $242,720 30-year fixed mortgage. At today's average of 7.370%, the monthly principal and interest payment is approximately $1,676 — representing a 25.9% PTI against the U.S. median income. Financial guidelines typically recommend keeping total housing costs below 28–30% of gross income.

With a homeownership rate of 65.7% across the U.S., a large portion of American households are already carrying mortgage debt. Monitoring rate trends can help both current homeowners evaluating refinance opportunities and prospective buyers timing their entry into the market.

Full Cost of Homeownership

Your 30-year mortgage payment is only one component of what you'll pay each month as a homeowner. The figures below draw on U.S. Census Bureau ACS 5-Year 2024 Selected Monthly Owner Costs (SMOC) data and give a more complete picture of ongoing ownership expenses.

Principal & Interest

$1,676/mo

30-yr fixed at 7.370% on $242,720 loan

Property Taxes

$239/mo

Median annual RE tax $2,869, ACS 2024

Homeowners Insurance

$88/mo

Est. ~0.35% of home value annually

Utilities & Other

$0/mo

Est. from ACS SMOC residual (includes HOA, maintenance)

Median Selected Monthly Owner Cost (SMOC)

$1,670/mo

Median total housing costs for owner-occupied units with a mortgage • ACS 5-Year 2024

Cost-Burdened Homeowners

24.9%

Pay 30%+ of income on housing costs • ACS 5-Year 2024

Beyond the mortgage payment: Owning a home on a 30-year fixed mortgage at today's average rate of 7.370% involves costs well beyond principal and interest. Property taxes, homeowners insurance, HOA fees, maintenance reserves, and utilities typically add $600–$1,200+/month depending on location and home age. Budgeting for the full SMOC — not just the loan payment — is essential for sustainable homeownership.

30-Year Mortgage Calculators

Run the numbers on your 30-year fixed mortgage using today's average of 7.370% and U.S. Census median home data.

Mortgage Payment Calculator Est. $1,676/mo on the $242,720 U.S. median loan at 7.370% Affordability Calculator U.S. median income is $77,719/yr. Find the home price that keeps your PTI below 30% at today's rates Refinance Calculator Current 30-yr avg: 7.370%. See how much you save by refinancing at today's rate vs. your existing loan Rent vs. Buy Calculator U.S. median rent is $1,413/mo vs. ~$1,676/mo P&I on the median home. Which makes more sense for you?

Types of 30-Year Mortgages Explained

Not all 30-year mortgages are the same. The loan type you choose affects your rate, down payment, qualification standards, and long-term costs. Here is a breakdown of the main categories available to borrowers.

CON
FORM

Conforming Conventional

The most common 30-year product. Backed by Fannie Mae or Freddie Mac guidelines, conforming loans cannot exceed the FHFA conforming loan limit of $806,500 (2026). They typically require a minimum 3–5% down payment, a credit score of 620+, and private mortgage insurance (PMI) when the down payment is below 20%.

Best for: Borrowers with good credit, stable income, and a home price at or below $806,500.

JMB

30-Year Jumbo

Jumbo loans exceed the FHFA conforming limit of $806,500. Because they cannot be sold to Fannie Mae or Freddie Mac, lenders hold them on their own books and typically require stricter qualification: credit scores of 700+, larger reserves, and down payments of 10–20%. Jumbo rates are often close to conforming rates but can be slightly higher or lower depending on the lender.

Best for: Borrowers in high-cost markets purchasing homes above $806,500.

FHA

30-Year FHA Loan

Insured by the Federal Housing Administration (FHA), these loans allow down payments as low as 3.5% for borrowers with credit scores of 580+, and 10% for scores as low as 500. FHA rates are often competitive with conventional rates, but all FHA loans require mortgage insurance premiums (MIP) — both an upfront premium (1.75% of the loan) and an annual premium for the life of the loan in most cases.

Best for: First-time buyers or those with lower credit scores or limited down payment savings.

30-Year VA Loan

Guaranteed by the U.S. Department of Veterans Affairs, VA loans are available to eligible veterans, active-duty service members, and qualifying surviving spouses. Key advantages include no down payment requirement, no private mortgage insurance, and typically the most competitive rates available. A one-time VA funding fee applies (usually 2.15–3.3% of the loan) but can be rolled into the loan balance.

Best for: Eligible veterans and service members seeking zero down payment and no PMI.

USDA

30-Year USDA Loan

Backed by the U.S. Department of Agriculture, USDA loans offer 100% financing (no down payment) for eligible properties in designated rural and suburban areas. Borrowers must meet income limits (typically up to 115% of the area median income). Like FHA, USDA loans carry an upfront guarantee fee and an annual fee, but these are often lower than FHA premiums.

Best for: Moderate-income buyers in eligible rural or suburban areas who want zero-down financing.

Conforming Loan Limit for 2026

$806,500

Set annually by the FHFA. Loans at or below this limit qualify as conforming. Loans above it are jumbo. High-cost areas (e.g., metro New York, San Francisco, Honolulu) have higher limits up to 150% of the baseline.

View 30-Year Jumbo Rates →

Methodology & Data Sources

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 survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.

Coast-to-Coast Lender Coverage: Our database monitors over 167+ 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 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.

Frequently Asked Questions About 30-Year Fixed Mortgage Rates

What is a 30-year fixed-rate mortgage?

A 30-year fixed-rate mortgage is a home loan with an interest rate that remains the same for the entire 30-year repayment term. Because the rate never changes, your principal and interest payment stays identical every month. It is the most widely used mortgage product in the United States, favored for its predictability and lower monthly payment compared to shorter-term loans.

What is the monthly payment on a 30-year mortgage?

Monthly payment depends on the loan amount, rate, and any escrow items. As a rough guide: on a $400,000 30-year fixed loan at 6.75%, the principal and interest payment is approximately $2,594/month. At 7.00%, the same loan is roughly $2,661/month. Use our Mortgage Payment Calculator for an exact figure based on your down payment, loan amount, and current rate.

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

A 30-year mortgage offers a lower monthly payment than a 15-year mortgage because the principal is spread over twice as many payments. However, you pay significantly more total interest over the life of the loan. For example, on a $400,000 loan at 6.75%, a 30-year term costs roughly $534,000 in total interest versus approximately $225,000 on a 15-year term at 6.25%. The 15-year comes with a higher payment but builds equity much faster.

How does my credit score affect my 30-year mortgage rate?

Credit score is one of the biggest factors lenders use to price a 30-year fixed mortgage. Borrowers with scores above 760 typically qualify for the lowest available rates. Scores between 700–759 usually see rates 0.25%–0.50% higher. Scores below 680 can result in rates 0.75%–1.50% above the best-tier pricing, which can add tens of thousands of dollars in interest over 30 years.

Should I lock my 30-year mortgage rate?

If you are satisfied with your quoted rate and are concerned that rates could rise before closing, locking the rate is generally advisable. Most lenders offer 30- to 60-day rate locks at no cost. Longer locks (90 days) may carry a small fee. A rate lock guarantees your interest rate for the lock period regardless of market movements, protecting you from unexpected increases before your loan closes.

What is the difference between interest rate and APR on a 30-year mortgage?

The interest rate is the annual cost of borrowing the principal, expressed as a percentage. The APR (Annual Percentage Rate) is a broader measure that includes the interest rate plus lender fees, points, and certain closing costs rolled into a single annualized figure. The APR gives a more complete picture of the true cost of a 30-year mortgage and is the best number to compare across lenders.

What are mortgage points and should I pay them on a 30-year loan?

Mortgage points (also called discount points) are upfront fees paid to the lender at closing to reduce your interest rate — typically 1 point = 1% of the loan amount and lowers the rate by roughly 0.25%. On a 30-year loan, paying points can make financial sense if you plan to stay in the home long enough to recoup the upfront cost through monthly savings. Divide the cost of the points by your monthly savings to find your break-even month.

Can I refinance a 30-year mortgage?

Yes. Many homeowners refinance their 30-year mortgage to secure a lower interest rate, reduce monthly payments, shorten the loan term, or tap home equity. Refinancing involves closing costs (typically 2%–5% of the loan balance), so it's important to calculate your break-even point. If you plan to stay in the home beyond the break-even period, refinancing is usually worthwhile when rates have dropped at least 0.50%–0.75% below your current rate.

How are 30-year mortgage rates determined?

Lenders price 30-year fixed mortgage rates primarily based on the yield of 10-year U.S. Treasury bonds, adding a spread to cover credit risk, servicing costs, and profit. When Treasury yields rise (often driven by Federal Reserve policy, inflation data, or strong economic reports), mortgage rates tend to rise in tandem. Individual rate quotes also depend on your credit score, down payment, loan-to-value ratio, property type, and the lender's own capital cost.

What are today's best 30-year fixed mortgage rates?

Advance Financial Federal Credit Union: 5.62% (30-Year Fixed Mortgage)
Institution for Savings: 5.62% (30 Year Fixed)
Frost Bank: 5.75% (30-year fixed-rate (Income-based) Mortgage)
Thrive Federal Credit Union: 5.75% (New Fixed Rate Mortgage - 30 Year Fixed)
Hill District Federal Credit Union: 5.75% (30-Year Fixed Mortgage)

30-Year Fixed 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: October 12, 2026