MonitorBankRates
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National Rate Trends

Best FHA Mortgage Rates Today March 2026 | As Low As 5.08%

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of lenders. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Last Updated: March 22, 2026

Today's FHA mortgage rate mortgage market includes offers such as Utah First Federal Credit UnionUtah First Federal Credit Union1155 W Park Lane, American Fork, UT 84003A+5.0 ★Texas Ratio: 2.03% offering FHA at 5.25%, and FedFinancial Federal Credit UnionFedFinancial Federal Credit Union10903 New Hampshire Ave, Silver Spring, MD 20903 1058A+5.0 ★Texas Ratio: 2.03% offering FHA 30-Year Fixed Rate at 5.08%, and Citizens Bank of KansasCitizens Bank of Kansas1033 N Buckner St, Augusta, KS 67010A+5.0 ★Texas Ratio: 3.54% offering FHA 30 Year Fixed at 5.62%, and Credit Union West Credit UnionCredit Union West Credit Union10150 W Desert River Blvd, Avondale, AZ 85008 2442A+5.0 ★Texas Ratio: 3.00% offering 30 Year FHA at 5.49%, and TruStone Financial Credit UnionTruStone Financial Credit Union1400 Riverwood Dr, Bloomington, MN 53110 2611A+5.0 ★Texas Ratio: 5.44% offering FHA 30-Year Fixed at 5.50%.

The FHA mortgage rate 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.

FHA Mortgage Rate Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers nationally. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 22, 2026

Compare FHA Mortgage Rates Nationwide

State:
Source: Verified Mortgage Rate Data provided by MonitorBankRates.com
Lender
Product
Term
Rate ▲
APR
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1155 W Park Lane, American Fork, UT 84003
FHA
30 Years
5.25%
5.45%
View
▼
Rate5.25%
APR5.45%
Points0.000
UpdatedMar 17, 2026
Address1155 W Park Lane, American Fork, UT 84003
Details

No additional details available.

FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
10903 New Hampshire Ave, Silver Spring, MD 20903 1058
FHA 30-Year Fixed Rate
5.08%
5.50%
View
▼
Rate5.08%
APR5.50%
Points0.000
UpdatedMar 18, 2026
Address10903 New Hampshire Ave, Silver Spring, MD 20903 1058
Details

No additional details available.

Citizens Bank of Kansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1033 N Buckner St, Augusta, KS 67010
FHA 30 Year Fixed
5.62%
5.75%
View
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedMar 18, 2026
Address1033 N Buckner St, Augusta, KS 67010
Details

No additional details available.

Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
10150 W Desert River Blvd, Avondale, AZ 85008 2442
30 Year FHA
30 Year
5.49%
5.77%
View
▼
Rate5.49%
APR5.77%
Points1.750
UpdatedMar 18, 2026
Address10150 W Desert River Blvd, Avondale, AZ 85008 2442
Details

No additional details available.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Riverwood Dr, Bloomington, MN 53110 2611
FHA 30-Year Fixed
5.50%
5.78%
View
▼
Rate5.50%
APR5.78%
Points0.000
UpdatedMar 17, 2026
Address1400 Riverwood Dr, Bloomington, MN 53110 2611
Details

No additional details available.

One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
FHA 30 Year Fixed
5.62%
5.82%
View
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 21, 2026
Address1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
Details

No additional details available.

One Nevada Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
Refi FHA 30 Year Fixed
5.62%
5.82%
View
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 21, 2026
Address1090 W Sunset Rd Ste B, Henderson, NV 89014 6678
Details

No additional details available.

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
1 Riverchase Pkwy S, Birmingham, AL 35023 1668
30-Year FHA Fixed
5.12%
5.82%
View
▼
Rate5.12%
APR5.82%
Points0.000
UpdatedMar 17, 2026
Address1 Riverchase Pkwy S, Birmingham, AL 35023 1668
Details

As Low As

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
112 Boston Ave, Bethel, CT 06468
30 Year Fixed FHA
30
5.75%
5.82%
View
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedMar 20, 2026
Address112 Boston Ave, Bethel, CT 06468
Details

No additional details available.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1 BayPort Way Ste 105, Chesapeake, VA 23061
30 years FHA Loan
30 years
5.62%
5.83%
View
▼
Rate5.62%
APR5.83%
Points0.625
UpdatedMar 18, 2026
Address1 BayPort Way Ste 105, Chesapeake, VA 23061
Details

No additional details available.

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
100 Lynnhaven Pkwy, Cedar City, TX 23320
FHA
30 Years
5.38%
5.93%
View
▼
Rate5.38%
APR5.93%
Points0.500
UpdatedMar 18, 2026
Address100 Lynnhaven Pkwy, Cedar City, TX 23320
Details

No additional details available.

Southwest Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
1000 E 32nd St, Alba, MO 64755
30-year fixed rate FHA
5.75%
5.98%
View
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMar 21, 2026
Address1000 E 32nd St, Alba, MO 64755
Details

No additional details available.

Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY 40223
FHA 30-Year Fixed - Conforming
30
5.88%
6.03%
View
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMar 21, 2026
Address13246 State Route 176, Drakesboro, KY 40223
Details

No additional details available.

The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
1030 Shaw Ave, Atascadero, CA 91762
30-Year Fixed FHA Purchase
5.38%
6.06%
View
▼
Rate5.38%
APR6.06%
Points0.000
UpdatedMar 20, 2026
Address1030 Shaw Ave, Atascadero, CA 91762
Details

No additional details available.

SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA 52632
FHA 30 Year Fixed
5.75%
6.06%
View
▼
Rate5.75%
APR6.06%
Points1.125
UpdatedMar 21, 2026
Address3200 Main St, KEOKUK, IA 52632
Details

No additional details available.

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10025 Baltimore National Pike, Annapolis, MD 20740
FHA 30 Year Fixed
5.75%
6.06%
View
▼
Rate5.75%
APR6.06%
Points1.125
UpdatedMar 21, 2026
Address10025 Baltimore National Pike, Annapolis, MD 20740
Details

No additional details available.

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 10547
FHA 30 Year Fixed
5.50%
6.07%
View
▼
Rate5.50%
APR6.07%
Points0.000
UpdatedMar 15, 2026
Address113 Holland Ave, Albany, NY 10547
Details

No additional details available.

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1101 N Bishop Ave, Fort Leonard Wood, MO 65065 3276
FHA Loan
15 - 30 Years
5.50%
6.08%
View
▼
Rate5.50%
APR6.08%
Points0.000
UpdatedMar 20, 2026
Address1101 N Bishop Ave, Fort Leonard Wood, MO 65065 3276
Details

As Low As

Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Hammond, FL 32202
FHA 30 year fixed
6.00%
6.11%
View
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Address1800 Barrs St, Hammond, FL 32202
Details

No additional details available.

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1020 E 800 N, Bluffdale, ID 83402
30 Year Fixed FHA Mortgage
5.49%
6.15%
View
▼
Rate5.49%
APR6.15%
Points0.000
UpdatedMar 20, 2026
Address1020 E 800 N, Bluffdale, ID 83402
Details

No additional details available.

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC 27006
FHA 30 Year (FHA)
6.12%
6.22%
View
▼
Rate6.12%
APR6.22%
Points0.125
UpdatedMar 17, 2026
Address100 Queens Rd, Advance, NC 27006
Details

No additional details available.

Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Hammond, FL 32202
FHA 30 year fixed
6.12%
6.23%
View
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Address1800 Barrs St, Hammond, FL 32202
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
10096 Kenai Spur Hwy, Anchorage, AK 82001
30-Year FHA
5.38%
6.24%
View
▼
Rate5.38%
APR6.24%
Points1.125
UpdatedMar 17, 2026
Address10096 Kenai Spur Hwy, Anchorage, AK 82001
Details

As Low As

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Bradenton, FL 33556 3494
FHA 30 Year Fixed Rate
6.12%
6.24%
View
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 17, 2026
Address10901 N Dale Mabry Hwy, Bradenton, FL 33556 3494
Details

No additional details available.

First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.91%
1 Reading Dr, Allentown, NJ 08865 1845
Mortgage - FHA
30 Years
5.88%
6.24%
View
▼
Rate5.88%
APR6.24%
Points0.000
UpdatedMar 18, 2026
Address1 Reading Dr, Allentown, NJ 08865 1845
Details

As Low As; Subject to credit approval. Rates, terms, and information are subject to change at any time. Rates offered are dependent on credit score at application. Rates are locked for 60 days. Loans with less than 20% down payment will require private mortgage insurance. NMLS 595144

Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1127 Ethan Allen Highway, Enosburg Falls, VT 05450
FHA - Servicing Released 30 Year Fixed Rate
30
5.95%
6.25%
View
▼
Rate5.95%
APR6.25%
Points0.000
UpdatedMar 21, 2026
Address1127 Ethan Allen Highway, Enosburg Falls, VT 05450
Details

No additional details available.

SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
110 International Way, Albany, OR 97210
30 Year FHA
5.50%
6.25%
View
▼
Rate5.50%
APR6.25%
Points0.000
UpdatedMar 21, 2026
Address110 International Way, Albany, OR 97210
Details

No additional details available.

Mid Oregon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1386 NE Cushing Dr, Bend, OR 97701 3730
FHA 30 Year Fixed - Conforming
5.62%
6.29%
View
▼
Rate5.62%
APR6.29%
Points0.250
UpdatedMar 20, 2026
Address1386 NE Cushing Dr, Bend, OR 97701 3730
Details

No additional details available.

Everett Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
331 Montvale Ave, Everett, MA 01801
FHA 30 Year Fixed
5.62%
6.30%
View
▼
Rate5.62%
APR6.30%
Points0.000
UpdatedMar 13, 2026
Address331 Montvale Ave, Everett, MA 01801
Details

No additional details available.

Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY 40223
FHA 30-Year Fixed - Conforming
5.62%
6.31%
View
▼
Rate5.62%
APR6.31%
Points0.000
UpdatedMar 21, 2026
Address13246 State Route 176, Drakesboro, KY 40223
Details

No additional details available.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1001 S 1200 W, Albuquerque, AZ 83440
FHA 30 Year
5.50%
6.33%
View
▼
Rate5.50%
APR6.33%
Points0.375
UpdatedMar 17, 2026
Address1001 S 1200 W, Albuquerque, AZ 83440
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, NC 23060 5814
30 Year FHA Fixed-Rate Mortgage
6.12%
6.33%
View
▼
Rate6.12%
APR6.33%
Points0.000
UpdatedMar 20, 2026
Address1055 W Mercury Blvd, Carrollton, NC 23060 5814
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
1055 W Mercury Blvd, Carrollton, NC 23060 5814
FHA 30
6.12%
6.33%
View
▼
Rate6.12%
APR6.33%
Points0.000
UpdatedMar 20, 2026
Address1055 W Mercury Blvd, Carrollton, NC 23060 5814
Details

No additional details available.

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
100 71st Ave SW, Bellevue, WA 98004
FHA 30-Year Fixed Rate
5.49%
6.34%
View
▼
Rate5.49%
APR6.34%
Points0.000
UpdatedMar 17, 2026
Address100 71st Ave SW, Bellevue, WA 98004
Details

No additional details available.

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
1 Campus Center Way, Amherst, MA 01003
FHA 30 Year Fixed
5.75%
6.35%
View
▼
Rate5.75%
APR6.35%
Points0.000
UpdatedMar 17, 2026
Address1 Campus Center Way, Amherst, MA 01003
Details

No additional details available.

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Charlotte, NC 28052
30 Year FHA Fixed
5.75%
6.35%
View
▼
Rate5.75%
APR6.35%
Points0.000
UpdatedMar 18, 2026
Address1207 Bessemer City Rd, Charlotte, NC 28052
Details

No additional details available.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
170 Bluestone Dr, Alexandria, DC 20548 0001
FHA 30 Year Fixed
5.75%
6.35%
View
▼
Rate5.75%
APR6.35%
Points0.000
UpdatedMar 18, 2026
Address170 Bluestone Dr, Alexandria, DC 20548 0001
Details

No additional details available.

Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
100 W Church St, Bossier City, AR 71019
FHA 30 Year
5.75%
6.35%
View
▼
Rate5.75%
APR6.35%
Points0.000
UpdatedMar 18, 2026
Address100 W Church St, Bossier City, AR 71019
Details

No additional details available.

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1015 WARNER AVE, Athol, ID 83501
30 Year FHA Loan
5.62%
6.35%
View
▼
Rate5.62%
APR6.35%
Points0.000
UpdatedMar 21, 2026
Address1015 WARNER AVE, Athol, ID 83501
Details

As Low As

Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ 85004
Mortgage Purchase FHA 30 Year Fixed
5.49%
6.37%
View
▼
Rate5.49%
APR6.37%
Points0.625
UpdatedMar 13, 2026
Address1060 S Watson Rd, Apache Junction, AZ 85004
Details

No additional details available.

Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ 85004
Mortgage Refi FHA 30 Year Fixed
5.49%
6.37%
View
▼
Rate5.49%
APR6.37%
Points0.625
UpdatedMar 13, 2026
Address1060 S Watson Rd, Apache Junction, AZ 85004
Details

No additional details available.

1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Camden, NJ 08093
30 Year FHA Fixed
5.50%
6.37%
View
▼
Rate5.50%
APR6.37%
Points1.000
UpdatedMar 17, 2026
Address1040 Haddon Ave, Camden, NJ 08093
Details

No additional details available.

Tri City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
10859 W Bluemound Rd, Brookfield, WI 53005
30 Year Fixed Rate Mortgage | FHA
5.99%
6.38%
View
▼
Rate5.99%
APR6.38%
Points0.000
UpdatedMar 15, 2026
Address10859 W Bluemound Rd, Brookfield, WI 53005
Details

No additional details available.

Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1400 W Raymond St, Indianapolis, IN 46202
FHA Loan Purchase
30
5.62%
6.38%
View
▼
Rate5.62%
APR6.38%
Points0.000
UpdatedMar 13, 2026
Address1400 W Raymond St, Indianapolis, IN 46202
Details

As Low As; Purchase: 5.625% for 30-Year Fixed

Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1400 W Raymond St, Indianapolis, IN 46202
FHA Loan Purchase 30-Year Fixed
360
5.62%
6.38%
View
▼
Rate5.62%
APR6.38%
Points0.000
UpdatedMar 13, 2026
Address1400 W Raymond St, Indianapolis, IN 46202
Details

No additional details available.

CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
10761 Pippin Rd, Blue Ash, OH 45042
30-Year FHA
30-Year
6.25%
6.38%
View
▼
Rate6.25%
APR6.38%
Points0.125
UpdatedMar 16, 2026
Address10761 Pippin Rd, Blue Ash, OH 45042
Details

No additional details available.

Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
1028 Us Route 302, Berlin, NH 03251
30 Year Fixed Rate FHA
5.88%
6.39%
View
▼
Rate5.88%
APR6.39%
Points0.000
UpdatedMar 22, 2026
Address1028 Us Route 302, Berlin, NH 03251
Details

No additional details available.

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1030 US Highway 1, Cocoa, FL 32780
FHA - 30 YEAR FIXED - PURCHASE
5.62%
6.42%
View
▼
Rate5.62%
APR6.42%
Points0.000
UpdatedMar 18, 2026
Address1030 US Highway 1, Cocoa, FL 32780
Details

As Low As

Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1400 W Raymond St, Indianapolis, IN 46202
FHA Loan Refinance
30
5.75%
6.50%
View
▼
Rate5.75%
APR6.50%
Points0.000
UpdatedMar 13, 2026
Address1400 W Raymond St, Indianapolis, IN 46202
Details

As Low As; Refinance: 5.750% for 30-Year Fixed

Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1400 W Raymond St, Indianapolis, IN 46202
FHA Loan Refinance 30-Year Fixed
360
5.75%
6.50%
View
▼
Rate5.75%
APR6.50%
Points-0.375
UpdatedMar 13, 2026
Address1400 W Raymond St, Indianapolis, IN 46202
Details

No additional details available.

Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
11899 New Halls Ferry Rd, Ellisville, MO 63011
30 Year FHA
5.62%
6.52%
View
▼
Rate5.62%
APR6.52%
Points0.000
UpdatedMar 20, 2026
Address11899 New Halls Ferry Rd, Ellisville, MO 63011
Details

No additional details available.

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD 21001 1733
FHA 30 Year Fixed
5.75%
6.54%
View
▼
Rate5.75%
APR6.54%
Points-0.250
UpdatedMar 17, 2026
Address1 Seahawk Dr, Aberdeen, MD 21001 1733
Details

No additional details available.

Zions Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 E Highway 89a, Acton, AZ 75001
30-Year Fixed FHA Loan
30
5.75%
6.55%
View
▼
Rate5.75%
APR6.55%
Points0.000
UpdatedMar 22, 2026
Address1 E Highway 89a, Acton, AZ 75001
Details

Advertised APR assumes excellent credit. Your APR may be higher.

LGE Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
105 W Main St, Acworth, GA 30009 2230
30 Yr Fixed FHA (Brokered)
5.88%
6.56%
View
▼
Rate5.88%
APR6.56%
Points0.000
UpdatedMar 20, 2026
Address105 W Main St, Acworth, GA 30009 2230
Details

No additional details available.

Credit Union of America Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
10222 E Harry St, Derby, KS 66502 3469
30 Year FHA
5.75%
6.57%
View
▼
Rate5.75%
APR6.57%
Points0.000
UpdatedMar 18, 2026
Address10222 E Harry St, Derby, KS 66502 3469
Details

No additional details available.

Dominion Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1100 Boulders Pkwy Ste 601, Glen Allen, VA 23060 3308
FHA 30 Year
6.25%
6.58%
View
▼
Rate6.25%
APR6.58%
Points0.375
UpdatedMar 13, 2026
Address1100 Boulders Pkwy Ste 601, Glen Allen, VA 23060 3308
Details

No additional details available.

Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
1560 Garrett Rd, Aston, DE 19014 1862
30 Year Fixed 203K (FHA Only)
5.75%
6.59%
View
▼
Rate5.75%
APR6.59%
Points0.000
UpdatedMar 17, 2026
Address1560 Garrett Rd, Aston, DE 19014 1862
Details

As Low As

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 E Walnut St, Abington, NJ 08002 4402
30 Year FHA
30 Year FHA
5.75%
6.59%
View
▼
Rate5.75%
APR6.59%
Points0.000
UpdatedMar 17, 2026
Address100 E Walnut St, Abington, NJ 08002 4402
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 E Walnut St, Abington, NJ 08002 4402
30 Year FHA Mortgage
30 Year FHA
5.75%
6.59%
View
▼
Rate5.75%
APR6.59%
Points0.000
UpdatedMar 17, 2026
Address100 E Walnut St, Abington, NJ 08002 4402
Details

No additional details available.

BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
1 Wake Robin Road, Barrington, RI 02806
Fixed Rate FHA Mortgage
30 Year
5.50%
6.60%
View
▼
Rate5.50%
APR6.60%
Points0.000
UpdatedMar 17, 2026
Address1 Wake Robin Road, Barrington, RI 02806
Details

No additional details available.

Transcend Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12104 Shelbyville Rd, Lexington, KY 40202
Federal Housing Administration (FHA) 30 Year Fixed
6.12%
6.60%
View
▼
Rate6.12%
APR6.60%
Points0.000
UpdatedMar 22, 2026
Address12104 Shelbyville Rd, Lexington, KY 40202
Details

As Low As

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2440 Market St NE Ste 901, Alexandria, DC 20018
FHA 30 Year Fixed
6.00%
6.60%
View
▼
Rate6.00%
APR6.60%
Points0.000
UpdatedMar 21, 2026
Address2440 Market St NE Ste 901, Alexandria, DC 20018
Details

No additional details available.

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13200 Bermuda Orchard Lane, Chester, VA 23801
FHA 30 Year FIxed
6.00%
6.60%
View
▼
Rate6.00%
APR6.60%
Points0.000
UpdatedMar 20, 2026
Address13200 Bermuda Orchard Lane, Chester, VA 23801
Details

No additional details available.

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
13200 Bermuda Orchard Lane, Chester, VA 23801
FHA 30 Year Fixed Rate
6.00%
6.60%
View
▼
Rate6.00%
APR6.60%
Points0.000
UpdatedMar 20, 2026
Address13200 Bermuda Orchard Lane, Chester, VA 23801
Details

No additional details available.

Piney Hills Federal Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
2735 Martha St, Simsboro, LA 71275
FHA 30 Year
6.00%
6.60%
View
▼
Rate6.00%
APR6.60%
Points0.000
UpdatedMar 21, 2026
Address2735 Martha St, Simsboro, LA 71275
Details

No additional details available.

Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1 Officer Manny Familia Way, Worcester, MA 01605
FHA 30 Year Fixed
6.00%
6.60%
View
▼
Rate6.00%
APR6.60%
Points0.000
UpdatedMar 22, 2026
Address1 Officer Manny Familia Way, Worcester, MA 01605
Details

No additional details available.

Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
1075 Tri State Pkwy Ste 850, Arlington Heights, IL 60004
30-Yr FHA
5.99%
6.61%
View
▼
Rate5.99%
APR6.61%
Points0.000
UpdatedMar 18, 2026
Address1075 Tri State Pkwy Ste 850, Arlington Heights, IL 60004
Details

No additional details available.

Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
1037 Washington Ave, Battle Creek, MI 48823
30-Yr FHA
5.99%
6.61%
View
▼
Rate5.99%
APR6.61%
Points0.000
UpdatedMar 18, 2026
Address1037 Washington Ave, Battle Creek, MI 48823
Details

No additional details available.

HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1007 Jadwin Ave, College Place, OR 97267
30-Year FHA Purchase / No Cash-Out Refinance
360
5.75%
6.64%
View
▼
Rate5.75%
APR6.64%
Points0.000
UpdatedMar 20, 2026
Address1007 Jadwin Ave, College Place, OR 97267
Details

Fixed 360 Months

1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Camden, NJ 08093
30 Year FHA Fixed
5.88%
6.66%
View
▼
Rate5.88%
APR6.66%
Points0.000
UpdatedMar 17, 2026
Address1040 Haddon Ave, Camden, NJ 08093
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1000 Corporate Dr, Bay Shore, NY 11010
FHA 203K 30 Year Fixed
5.88%
6.66%
View
▼
Rate5.88%
APR6.66%
Points0.000
UpdatedMar 20, 2026
Address1000 Corporate Dr, Bay Shore, NY 11010
Details

No additional details available.

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
1000 Corporate Dr, Bay Shore, NY 11010
FHA 30 Year Fixed
5.88%
6.66%
View
▼
Rate5.88%
APR6.66%
Points0.000
UpdatedMar 20, 2026
Address1000 Corporate Dr, Bay Shore, NY 11010
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30 Year FHA Fixed Rate
360
6.62%
6.66%
View
▼
Rate6.62%
APR6.66%
Points-0.375
UpdatedMar 22, 2026
Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
Details

No additional details available.

Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
11153 Telegraph Rd, Brownstown, MI 48134
FHA Fixed Rate Mortgage
30-Year
6.25%
6.67%
View
▼
Rate6.25%
APR6.67%
Points0.000
UpdatedMar 21, 2026
Address11153 Telegraph Rd, Brownstown, MI 48134
Details

No additional details available.

Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
11153 Telegraph Rd, Brownstown, MI 48134
FHA Fixed Rate Mortgage 30-Year
30-Year
6.25%
6.67%
View
▼
Rate6.25%
APR6.67%
Points0.000
UpdatedMar 21, 2026
Address11153 Telegraph Rd, Brownstown, MI 48134
Details

No additional details available.

Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
1010 Moore St, Allegan, MI 49002
FHA 30 Year Fixed
6.00%
6.68%
View
▼
Rate6.00%
APR6.68%
Points0.750
UpdatedMar 20, 2026
Address1010 Moore St, Allegan, MI 49002
Details

As Low As

USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2705 NW EXPRESSWAY, Dallas, OK 73112 7047
FHA
30 Year Fixed
5.88%
6.69%
View
▼
Rate5.88%
APR6.69%
Points0.000
UpdatedMar 22, 2026
Address2705 NW EXPRESSWAY, Dallas, OK 73112 7047
Details

No additional details available.

Marion And Polk Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
103 S 2nd St, Eugene, OR 97070
30 Year FHA
5.88%
6.70%
View
▼
Rate5.88%
APR6.70%
Points0.125
UpdatedMar 20, 2026
Address103 S 2nd St, Eugene, OR 97070
Details

No additional details available.

SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
110 International Way, Albany, OR 97210
30 Year FHA Manufactured Home (no homes on rented land)
5.88%
6.71%
View
▼
Rate5.88%
APR6.71%
Points0.000
UpdatedMar 21, 2026
Address110 International Way, Albany, OR 97210
Details

No additional details available.

First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1 E 4th St, Akron, IL 40065
30-year fixed FHA
5.88%
6.71%
View
▼
Rate5.88%
APR6.71%
Points0.000
UpdatedMar 17, 2026
Address1 E 4th St, Akron, IL 40065
Details

No additional details available.

Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
FHA Purchase Refinance
30 Year
6.38%
6.72%
View
▼
Rate6.38%
APR6.72%
Points0.000
UpdatedMar 17, 2026
Address1101 FM 3036, Alamo, TX 78102
Details

As Low As

Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
FHA Purchase / Refinance5
30 Year
6.38%
6.72%
View
▼
Rate6.38%
APR6.72%
Points0.000
UpdatedMar 17, 2026
Address1101 FM 3036, Alamo, TX 78102
Details

As Low As

Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1 Walnut Grove Dr, Allentown, MD 08034
30-Year FHA Fixed
5.88%
6.72%
View
▼
Rate5.88%
APR6.72%
Points0.000
UpdatedMar 20, 2026
Address1 Walnut Grove Dr, Allentown, MD 08034
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30 Year FHA Fixed Rate
360
6.75%
6.75%
View
▼
Rate6.75%
APR6.75%
Points-0.875
UpdatedMar 22, 2026
Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
Details

No additional details available.

Oklahomas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
15100 N May Ave, Edmond, OK 73013 8803
FHA 30 Year
6.12%
6.77%
View
▼
Rate6.12%
APR6.77%
Points0.000
UpdatedMar 20, 2026
Address15100 N May Ave, Edmond, OK 73013 8803
Details

As Low As

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
1025 S Carroll Ave, Berkeley, CA 46360
FHA - 30 Year Fixed Rate
6.25%
6.78%
View
▼
Rate6.25%
APR6.78%
Points0.000
UpdatedMar 20, 2026
Address1025 S Carroll Ave, Berkeley, CA 46360
Details

No additional details available.

OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1 Denso Rd, Bangor, MI 49001
FHA 30 Year Fixed
6.62%
6.79%
View
▼
Rate6.62%
APR6.79%
Points0.000
UpdatedMar 21, 2026
Address1 Denso Rd, Bangor, MI 49001
Details

No additional details available.

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
11400 AL Highway 157, Albertville, AL 35055
30 Year FHA
30
5.62%
6.80%
View
▼
Rate5.62%
APR6.80%
Points0.000
UpdatedMar 21, 2026
Address11400 AL Highway 157, Albertville, AL 35055
Details

No additional details available.

Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
322 Buck Dr, Reno, NV 89436 7731
FHA 30 Year Fixed
5.75%
6.80%
View
▼
Rate5.75%
APR6.80%
Points1.000
UpdatedMar 20, 2026
Address322 Buck Dr, Reno, NV 89436 7731
Details

No additional details available.

Har-co Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
1028 Middleton Rd, Aberdeen, MD 21001 2281
FHA 30 Year Fixed
5.99%
6.82%
View
▼
Rate5.99%
APR6.82%
Points0.000
UpdatedMar 20, 2026
Address1028 Middleton Rd, Aberdeen, MD 21001 2281
Details

No additional details available.

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
FHA Plus 30 Year Fixed Rate Second Mortgage
360
6.75%
6.83%
View
▼
Rate6.75%
APR6.83%
Points0.125
UpdatedMar 22, 2026
Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
Details

No additional details available.

Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1 Brewers Way, Alton, IL 53005
30 Year FHA
6.00%
6.85%
View
▼
Rate6.00%
APR6.85%
Points0.000
UpdatedMar 17, 2026
Address1 Brewers Way, Alton, IL 53005
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA 90045
FHA - Fixed-Rate Mortgages 30 Year
30
6.00%
6.85%
View
▼
Rate6.00%
APR6.85%
Points1.000
UpdatedMar 21, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA 90045
Fixed-Rate Mortgages: FHA 30 Year
30 Year
6.00%
6.85%
View
▼
Rate6.00%
APR6.85%
Points1.000
UpdatedMar 21, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details

No additional details available.

Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
1010 Moore St, Allegan, MI 49002
FHA 30 Year Fixed
6.25%
6.86%
View
▼
Rate6.25%
APR6.86%
Points0.000
UpdatedMar 20, 2026
Address1010 Moore St, Allegan, MI 49002
Details

As Low As

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1210 Greenview Dr, Daleville, VA 24012 2226
FHA 30 Year Fixed
6.25%
6.86%
View
▼
Rate6.25%
APR6.86%
Points0.000
UpdatedMar 18, 2026
Address1210 Greenview Dr, Daleville, VA 24012 2226
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA 90045
FHA Fixed-Rate Mortgages 30 Year
30
6.00%
6.87%
View
▼
Rate6.00%
APR6.87%
Points1.000
UpdatedMar 21, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA 90045
Fixed-Rate Mortgages: FHA 30 Year
30
6.00%
6.87%
View
▼
Rate6.00%
APR6.87%
Points1.000
UpdatedMar 21, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details

No additional details available.

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Belton, TX 76501 7603
FHA 30-year Fixed
30-year
5.99%
6.91%
View
▼
Rate5.99%
APR6.91%
Points0.000
UpdatedMar 21, 2026
Address1221 Hewitt Dr, Belton, TX 76501 7603
Details

As Low As

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
FHA Plus 30 Year Fixed Rate Second Mortgage
360
6.88%
6.91%
View
▼
Rate6.88%
APR6.91%
Points-0.375
UpdatedMar 22, 2026
Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
Details

No additional details available.

Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1008 N Bridge St, Aurora, IL 60505 1511
30 Year Fixed FHA
30
5.49%
6.91%
View
▼
Rate5.49%
APR6.91%
Points0.000
UpdatedMar 13, 2026
Address1008 N Bridge St, Aurora, IL 60505 1511
Details

FHA Assumptions: Purchase price $210,000, Loan Amount $206,196, 3.5% down-payment, 680 credit score, Illinois primary residence only, single family home, fees include 1.75% up front mortgage insurance premium (UFMIP) as required by FHA, results in higher APR, 45-day rate lock.

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
11350 Panama City Beach Pkwy, Dothan, AL 32403
FHA 30-YR Fixed
6.12%
6.93%
View
▼
Rate6.12%
APR6.93%
Points0.250
UpdatedMar 22, 2026
Address11350 Panama City Beach Pkwy, Dothan, AL 32403
Details

No additional details available.

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
11350 Panama City Beach Pkwy, Dothan, AL 32403
30-Year Fixed (DU) FHA 30-YR Fixed
6.12%
6.93%
View
▼
Rate6.12%
APR6.93%
Points0.250
UpdatedMar 22, 2026
Address11350 Panama City Beach Pkwy, Dothan, AL 32403
Details

No additional details available.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1302 S Grandstaff Dr, Angola, IN 28054
30-Year FHA
5.88%
6.94%
View
▼
Rate5.88%
APR6.94%
Points0.000
UpdatedMar 20, 2026
Address1302 S Grandstaff Dr, Angola, IN 28054
Details

No additional details available.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1002 Crossings Blvd, Brentwood, TN 37027
FHA 30 Year Fixed Rate
6.12%
6.97%
View
▼
Rate6.12%
APR6.97%
Points0.000
UpdatedMar 16, 2026
Address1002 Crossings Blvd, Brentwood, TN 37027
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Bank Of Nova Scotia Trust Company, Georgetown, 00000
Federal Housing Administration (FHA) loans 30-year
30-year
6.12%
6.98%
View
▼
Rate6.12%
APR6.98%
Points0.533
UpdatedMar 22, 2026
AddressBank Of Nova Scotia Trust Company, Georgetown, 00000
Details

No additional details available.

U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Bank Of Nova Scotia Trust Company, Georgetown, 00000
Federal Housing Administration (FHA) loans 30-year
30-year
6.12%
6.99%
View
▼
Rate6.12%
APR6.99%
Points0.658
UpdatedMar 22, 2026
AddressBank Of Nova Scotia Trust Company, Georgetown, 00000
Details

No additional details available.

AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
2201 N Elm Pl, Broken Arrow, OK 74011
FHA Loan
30-year
6.50%
7.00%
View
▼
Rate6.50%
APR7.00%
Points0.000
UpdatedMar 17, 2026
Address2201 N Elm Pl, Broken Arrow, OK 74011
Details

$100,000 loan amount, fixed rate of 6.50%, as of 8.6.2024, monthly principal and interest payment of $632.07, credit and collateral restrictions may apply, term and rate subject to change.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA 90045
FHA - Fixed-Rate Mortgages 30 Year
30
6.25%
7.01%
View
▼
Rate6.25%
APR7.01%
Points0.000
UpdatedMar 21, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA 90045
Fixed-Rate Mortgages: FHA 30 Year
30 Year
6.25%
7.01%
View
▼
Rate6.25%
APR7.01%
Points0.000
UpdatedMar 21, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA 90045
FHA Fixed-Rate Mortgages 30 Year
30
6.25%
7.02%
View
▼
Rate6.25%
APR7.02%
Points0.000
UpdatedMar 21, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA 90045
Fixed-Rate Mortgages: FHA 30 Year
30
6.25%
7.02%
View
▼
Rate6.25%
APR7.02%
Points0.000
UpdatedMar 21, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details

No additional details available.

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
1025 S Carroll Ave, Berkeley, CA 46360
No Closing Cost - FHA 30 Year Fixed Rate
6.50%
7.04%
View
▼
Rate6.50%
APR7.04%
Points0.000
UpdatedMar 20, 2026
Address1025 S Carroll Ave, Berkeley, CA 46360
Details

No additional details available.

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Belton, TX 76501 7603
FHA 30-year Fixed purchase
6.12%
7.05%
View
▼
Rate6.12%
APR7.05%
Points0.000
UpdatedMar 21, 2026
Address1221 Hewitt Dr, Belton, TX 76501 7603
Details

No additional details available.

Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1 Mount Baldy Dr, Aurora, CO 80011 7809
FHA 30-Year Fixed
5.75%
7.08%
View
▼
Rate5.75%
APR7.08%
Points0.000
UpdatedMar 13, 2026
Address1 Mount Baldy Dr, Aurora, CO 80011 7809
Details

No additional details available.

Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
10725 Magnolia Ave, Banning, CA 91752
30 Year - FHA Fixed
6.88%
7.17%
View
▼
Rate6.88%
APR7.17%
Points0.000
UpdatedMar 17, 2026
Address10725 Magnolia Ave, Banning, CA 91752
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
1 E Jefferson St, Aberdeen, AL 08004
30-Year FHA
360
6.00%
7.22%
View
▼
Rate6.00%
APR7.22%
Points0.769
UpdatedMar 22, 2026
Address1 E Jefferson St, Aberdeen, AL 08004
Details

No additional details available.

Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
14750 Victor Hugo Blvd N, Eagan, MN 55038 4561
30 Yr. Fixed - FHA
6.12%
7.25%
View
▼
Rate6.12%
APR7.25%
Points0.000
UpdatedMar 20, 2026
Address14750 Victor Hugo Blvd N, Eagan, MN 55038 4561
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA 90045
FHA - Fixed-Rate Mortgages 30 Year
30
6.50%
7.26%
View
▼
Rate6.50%
APR7.26%
Points-1.000
UpdatedMar 21, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA 90045
Fixed-Rate Mortgages: FHA 30 Year
30 Year
6.50%
7.26%
View
▼
Rate6.50%
APR7.26%
Points-1.000
UpdatedMar 21, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA 90045
FHA Fixed-Rate Mortgages 30 Year
30
6.50%
7.28%
View
▼
Rate6.50%
APR7.28%
Points-1.000
UpdatedMar 21, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
1010 Riley St Ste 5, Anaheim, CA 90045
Fixed-Rate Mortgages: FHA 30 Year
30
6.50%
7.28%
View
▼
Rate6.50%
APR7.28%
Points-1.000
UpdatedMar 21, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details

No additional details available.

Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
13602 E 14 Mile Rd, Ann Arbor, MI 48017
30 Year Fixed FHA Mortgage
30 Year
6.50%
7.30%
View
▼
Rate6.50%
APR7.30%
Points0.000
UpdatedMar 21, 2026
Address13602 E 14 Mile Rd, Ann Arbor, MI 48017
Details

As Low As

Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Garden Ctr, American Fork, CO 78006 2958
30-Year FHA
7.25%
7.54%
View
▼
Rate7.25%
APR7.54%
Points0.000
UpdatedMar 15, 2026
Address1 Garden Ctr, American Fork, CO 78006 2958
Details

No additional details available.

The FHA mortgage rate 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.

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FHA Mortgage Calculators

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Methodology & Data Sources

Direct-Sourced & Verified Rate Data: Every FHA mortgage rate mortgage rate on this page is sourced directly from the official website of the lending institution — no estimates, no national survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.

Nationwide Lender Coverage: Our database monitors over 8,500 banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and national online lenders. This breadth ensures you see competitive rates that many national rate surveys miss.

Time-Stamped for Full Transparency: Because FHA mortgage rate 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 FHA Mortgage Rate Mortgage Rates

What is an FHA loan?

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. Because the federal government insures the lender against default, FHA loans allow borrowers to qualify with lower credit scores and smaller down payments than conventional loans. They are one of the most popular options for first-time homebuyers and buyers with limited savings or credit history.

What are the FHA loan down payment requirements?

FHA loans require a minimum down payment of 3.5% of the purchase price for borrowers with a credit score of 580 or higher. Borrowers with credit scores between 500 and 579 are required to put down at least 10%. The down payment can come from savings, a gift from a family member, or approved down payment assistance programs.

What credit score do I need for an FHA loan?

The FHA itself sets a minimum credit score of 500. With a score of 580 or above, you qualify for the 3.5% down payment option. With a score between 500 and 579, you must put down at least 10%. Individual lenders may impose higher minimum scores — many require 620 or above — so shopping multiple lenders is especially important if your score is in the lower range.

What is FHA mortgage insurance (MIP)?

FHA loans require two types of mortgage insurance. An upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount is paid at closing (or rolled into the loan). An annual MIP is also charged, ranging from 0.15% to 0.75% of the loan balance depending on loan size and term, split across monthly payments. On most FHA loans with less than 10% down, MIP lasts for the life of the loan — a key factor to weigh against a conventional loan with PMI that cancels at 20% equity.

What are FHA loan limits?

FHA loan limits are set annually by the FHA and vary by county based on local median home prices. In most U.S. counties for 2024, the limit for a single-family home is $498,257. In high-cost areas such as parts of California, New York, and Hawaii, limits can reach $1,149,825. FHA loans cannot be used to purchase a home that exceeds the limit for your county.

How does an FHA loan compare to a conventional loan?

FHA loans offer more flexible credit and down payment requirements than conventional loans, making them more accessible to buyers with limited credit history or savings. However, FHA loans require mortgage insurance for the life of the loan in most cases, while conventional PMI cancels once you reach 20% equity. Conventional loans generally offer lower total costs for borrowers with strong credit (720+) and a 20% down payment. FHA loans often make more sense for buyers with credit scores below 680 or down payments under 10%.

What is the difference between interest rate and APR on an FHA loan?

The interest rate is the base cost of borrowing, expressed as a percentage. The APR (Annual Percentage Rate) is a broader figure that includes the interest rate plus lender fees, origination charges, and certain closing costs. On FHA loans, the APR also reflects the ongoing annual MIP cost, making the APR-to-rate spread often larger than on conventional loans. The APR is the best metric for comparing total loan costs across lenders.

Can I refinance an FHA loan?

Yes. FHA borrowers have several refinance options. The FHA Streamline Refinance allows existing FHA borrowers to refinance with reduced documentation and no appraisal, as long as the refinance results in a tangible net benefit (typically a lower rate or payment). Borrowers can also refinance out of an FHA loan into a conventional loan once they have sufficient equity (20%+) to eliminate MIP. A cash-out refinance is also available for eligible FHA borrowers.

How are FHA mortgage rates determined?

FHA mortgage rates are influenced by the same market forces as conventional rates — primarily the yield on 10-year U.S. Treasury bonds and secondary mortgage market conditions. However, FHA rates are also affected by the FHA's mortgage insurance pricing and lender risk assessment for government-backed loans. Individual rate quotes depend on your credit score, loan-to-value ratio, loan term, and the lender's own cost of capital. Comparing quotes from multiple lenders is especially important on FHA loans due to varying lender overlays.

What are today's best FHA mortgage rates?

  • Utah First Federal Credit Union: 5.25% (FHA)
  • FedFinancial Federal Credit Union: 5.08% (FHA 30-Year Fixed Rate)
  • Citizens Bank of Kansas: 5.62% (FHA 30 Year Fixed)
  • Credit Union West Credit Union: 5.49% (30 Year FHA)
  • TruStone Financial Credit Union: 5.50% (FHA 30-Year Fixed)
FHA Mortgage Rate rates reflect actual verified offers from lenders actively lending to borrowers nationally. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated: March 22, 2026

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