Mortgage Rates and Refinance Rates Increase: 15 Year Mortgage Rates and Refinance Rates are Above 4.00%

Mortgage rates and refinance rates increased again this week. Conforming 30 year mortgage rates and refinance rates are averaging 4.66  percent, up from last week’s average 30 year mortgage rate and refinance rate of 4.49 percent. Current 30 year mortgage New Mexico refinance rates and mortgage rates for home purchases are higher averaging 4.71 percent.

Current conforming 15 year home refinance rates and home mortgage rates are averaging 4.05 percent, an increase from the previous week’s average 15 year mortgage loan rate and refinance loan rate of 3.86 percent. This is the first time in several months 15 year conforming mortgage rates are above 4.00 percent. Today's 15 year home mortgage loan rates and refinance rates in Florida are also above 4.00 percent averaging 4.10 percent.

30 year jumbo home mortgage rates today and home refinance rates today are averaging 5.32 percent, up from last week’s average jumbo mortgage rate and jumbo refinance rate of 5.02 percent. Today's refinance mortgage rates and mortgage rates in New York are higher, averaging 5.38 percent.

Loan Type

Purchase Refinance with Cash out Refinance

State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

FICO Score

Superior (780-850) Exceptional (760-779) Excellent (740-759) Very Good (720-739) Good (700-719) Above Average (680-699) Average (660-679) Fair (640-659) Need Improvement (620-639) Poor (350-620)

Loan Amount

$

Points

Up to 0 points Up to 0.5 points Up to 1 points Up to 1.5 points Up to 2 points Up to 2.5 points Up to 3 points

LTV

%

Loan Term

 15-Year Fixed  20-Year Fixed  30-Year Fixed  5-Year ARM  7-Year ARM  10-Year ARM

Show Advertiser Disclosure

The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

Lender

APR / Rate

Fees / Points

Payment

NMLS #2059741

5.606%

15-Year Fixed

5.490%

$3,032

Includes 0.758 points for $3,032

Lender Fees: $0

$3,267 /mo

Next >

NMLS #757416

5.630%

15-Year Fixed

5.490%

$3,648

Includes 0.912 points for $3,648

Lender Fees: $0

$3,267 /mo

Next >

NMLS #1025894

5.650%

15-Year Fixed

5.490%

$4,172

Includes 0.868 points for $3,472

Lender Fees: $700

$3,267 /mo

Next >

NMLS #324599

License: 324599

5.673%

15-Year Fixed

5.500%

$4,570

Includes 0.875 points for $3,500

Lender Fees: $1,070

$3,269 /mo

Next >

NMLS #2561451

6.485%

30-Year Fixed

6.375%

$4,679

Includes 0.671 points for $2,684

Lender Fees: $1,995

$2,496 /mo

Next >

NMLS #324599

License: 324599

6.494%

30-Year Fixed

6.375%

$5,070

Includes 1.000 points for $4,000

Lender Fees: $1,070

$2,496 /mo

Next >

NMLS #2059741

6.569%

30-Year Fixed

6.490%

$3,292

Includes 0.823 points for $3,292

Lender Fees: $0

$2,526 /mo

Next >

NMLS #757416

6.590%

30-Year Fixed

6.500%

$3,744

Includes 0.936 points for $3,744

Lender Fees: $0

$2,529 /mo

Next >

NMLS #1025894

6.600%

30-Year Fixed

6.490%

$4,592

Includes 0.973 points for $3,892

Lender Fees: $700

$2,526 /mo

Next >

NMLS #399799

6.722%

30-Year Fixed

6.625%

$4,184

Includes 0.714 points for $2,856

Lender Fees: $1,328

$2,562 /mo

Next >

NMLS #401822

6.734%

30-Year Fixed

6.625%

$4,495

Includes 0.625 points for $2,500

Lender Fees: $1,995

$2,562 /mo

Next >

NMLS #324599

License: 324599

6.743%

5-Year ARM

6.625%

$4,954

Includes 0.971 points for $3,884

Lender Fees: $1,070

$2,562 /mo

Next >

NMLS #401822

7.698%

15-Year Fixed

7.375%

$8,000

Includes 1.000 points for $4,000

Lender Fees: $4,000

$3,680 /mo

Next >

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.

Current 15 year jumbo home mortgage rates and refinance rates  are averaging at 4.60 percent, up from the prior week’s average jumbo mortgage loan rate of 4.23 percent. Current 15 year jumbo mortgage loan rates and mortgage refinance rates in California are higher averaging 4.75 percent.

Use our free mortgage calculator and free mortgage refinance calculator to calculate your monthly mortgage payments.

Mortgage Rates & Refinance Rates

Today's Conforming Adjustable Mortgage Rates and Refinance Rates

1 year adjustable current refinancing rates and mortgage rates today are averaging 3.10 percent, up from last week’s average 1 year adjustable home mortgage refinance rate and mortgage loan rate of 3.05 percent.

3 year adjustable mortgage rates and current refinancing mortgage rates are averaging 3.26 percent, down from last week’s average 3 year adjustable mortgage loan rate of 3.37 percent.

5 year adjustable mortgage loan rates today are averaging 3.33 percent, up from the prior week’s average mortgage rate of 3.16 percent. Current refinance rates are also averaging 3.33 percent.

7 year adjustable mortgage loan interest rates today are averaging 3.66 percent, up from the previous week’s average 7 year home mortgage rate of 3.49 percent. Current refinance mortgage rates are also higher, averaging 3.66 percent.

10 year adjustable mortgage loan rates today are averaging 4.30 percent this week, up from last week’s average 10 year adjustable mortgage rate of 3.98 percent. Mortgage refinance rates for 10 year home loans are also averaging 4.30 percent.

Adjustable Jumbo Mortgage Refinance Rates and Home Mortgage Rates Current

1 year jumbo adjustable loan rates are averaging 3.32 percent, down considerably from the prior week’s average 1 year jumbo adjustable loan mortgage interest rate of 4.92 percent. Today refinance rates on 1 year jumbo refinance loan mortgage rates today are also lower 3.32 percent.

3 year adjustable jumbo mortgage rates today are higher averaging 4.21 percent, up from last week’s average 3 year jumbo adjustable loan rate of 4.06 percent. Today's refinance interest rates on 3 year jumbo adjustable mortgage loans are also higher averaging 4.21 percent.

5 year adjustable jumbo mortgage rates today are averaging 3.76 percent, up from last week’s average mortgage rate of 3.62 percent. Today's refi mortgage rates on 5 year jumbo home loans are also averaging 3.76 percent.

7 year jumbo adjustable mortgage rates today are averaging 4.46 percent, up from last week’s average 7 year home mortgage loan rate of 4.41 percent. 7 year jumbo refinance mortgage rates today are also higher at 4.46 percent.

10 year jumbo loan interest rates are averaging 5.16 percent, up from the prior week’s average 10 year jumbo home mortgage rate of 4.99 percent. 10 year jumbo home loan refinance interest rates today are also higher, averaging 5.16 percent.

Conforming Interest Only Adjustable Refinance Rates and Interest Only Adjustable Mortgage Rates

3 year interest only adjustable mortgage loan rates today are averaging 3.49 percent, up from last week’s average interest only mortgage loan rate of 3.40 percent. 3 year interest only adjustable refinance mortgage rates are also higher at 3.49 percent.

5 year interest only adjustable loan rates are averaging 3.51 percent, up from last week’s average five year interest only mortgage loan rate of 3.32 percent. Current 5 year interest only adjustable refinance mortgage rates are also averaging 3.51 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.91 percent, up from last week’s average 7 year interest-only mortgage interest rate of 3.71 percent. 7 year adjustable refinance rate mortgages today are averaging 3.91 percent.

Interest Only Adjustable Jumbo Refinance Mortgage Rates and Jumbo Interest Only Mortgage Rates Today

3 year jumbo interest only adjustable mortgage rates today are averaging 4.73 percent, up from last week’s average jumbo adjustable interest only mortgage rate of 4.54 percent. 3 year interest only adjustable jumbo refinance rates today are also higher, averaging 4.73 percent.

5 year adjustable jumbo loan interest only mortgage rates today are averaging 4.23 percent, up from last week’s average IO home mortgage interest rate of 4.13 percent. 5 year jumbo adjustable IO loan rates are also averaging higher at 4.23 percent.

7 year jumbo interest only adjustable mortgage rates are averaging 4.78 percent, up from an average jumbo 7 year home mortgage rate of 4.70 percent last week. Current 7 year jumbo adjustable interest-only mortgage rates today are also averaging 4.78 percent.

Current Home Equity Loan Rates

Current 10 year home equity loan rates are averaging 6.686 percent, down from last week’s average home equity rate of 6.700 percent.

Today’s 15 year home equity rates are averaging 7.072 percent, down from last week’s average home equity rate of 7.088 percent.

HELOC Rates Today

Home equity line of credit rates are averaging 5.15 percent, unchanged from last week’s average HELOC rate.