Mortgage Rates

30 year mortgage rates increase on higher Treasury yields in the most recent mortgage survey released by Freddie Mac. 30 year mortgage rates are averaging 4.55% with 0.8 mortgage discount points for the week ending July 28, 2011. 30 year mortgage rates averaged 30 year mortgage rate of 4.52% in the previous week's mortgage survey.

Compare today’s mortgage rates by searching our mortgage rate tables here: Today's Mortgage Rates. Unlike most websites, no personal information is needed to view a list of mortgage rates.

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 #2006915

License: 60DBO-149268

5.582%

15-Year Fixed

5.375%

$5,417

Includes 0.868 points for $3,472

Lender Fees: $1,945

$3,242 /mo

Next >

NMLS #1067

5.643%

15-Year Fixed

5.500%

$3,716

Includes 0.929 points for $3,716

Lender Fees: $0

$3,269 /mo

Next >

NMLS #1835285

5.645%

15-Year Fixed

5.500%

$3,772

Includes 0.943 points for $3,772

Lender Fees: $0

$3,269 /mo

Next >

NMLS #401822

5.661%

15-Year Fixed

5.375%

$7,500

Includes 0.875 points for $3,500

Lender Fees: $4,000

$3,242 /mo

Next >

NMLS #1025894

5.667%

15-Year Fixed

5.490%

$4,616

Includes 0.979 points for $3,916

Lender Fees: $700

$3,267 /mo

Next >

NMLS #2326098

License: 60DBO-181478

5.674%

15-Year Fixed

5.500%

$4,725

Includes 0.693 points for $2,772

Lender Fees: $1,953

$3,269 /mo

Next >

NMLS #2059741

5.728%

15-Year Fixed

5.500%

$5,960

Includes 0.990 points for $3,960

Lender Fees: $2,000

$3,269 /mo

Next >

NMLS #757416

5.746%

15-Year Fixed

5.625%

$3,136

Includes 0.784 points for $3,136

Lender Fees: $0

$3,295 /mo

Next >

NMLS #2627028

5.782%

15-Year Fixed

5.625%

$4,171

Includes 0.720 points for $2,880

Lender Fees: $1,291

$3,295 /mo

Next >

NMLS #1701910

5.808%

15-Year Fixed

5.750%

$1,490

Includes 0.000 points for $0

Lender Fees: $1,490

$3,322 /mo

Next >

NMLS #2006915

License: 60DBO-149268

6.379%

5-Year ARM

6.250%

$5,449

Includes 0.876 points for $3,504

Lender Fees: $1,945

$2,463 /mo

Next >

NMLS #2326098

License: 60DBO-181478

6.505%

5-Year ARM

6.375%

$5,641

Includes 0.922 points for $3,688

Lender Fees: $1,953

$2,496 /mo

Next >

NMLS #1835285

6.560%

30-Year Fixed

6.500%

$2,500

Includes 0.625 points for $2,500

Lender Fees: $0

$2,529 /mo

Next >

NMLS #757416

6.589%

30-Year Fixed

6.500%

$3,696

Includes 0.924 points for $3,696

Lender Fees: $0

$2,529 /mo

Next >

NMLS #1835285

6.590%

5-Year ARM

6.500%

$3,740

Includes 0.935 points for $3,740

Lender Fees: $0

$2,529 /mo

Next >

NMLS #2561451

6.600%

30-Year Fixed

6.490%

$4,655

Includes 0.665 points for $2,660

Lender Fees: $1,995

$2,526 /mo

Next >

NMLS #2006915

License: 60DBO-149268

6.606%

30-Year Fixed

6.500%

$4,445

Includes 0.625 points for $2,500

Lender Fees: $1,945

$2,529 /mo

Next >

NMLS #2059741

6.628%

30-Year Fixed

6.490%

$5,772

Includes 0.943 points for $3,772

Lender Fees: $2,000

$2,526 /mo

Next >

NMLS #1067

6.696%

30-Year Fixed

6.625%

$2,924

Includes 0.731 points for $2,924

Lender Fees: $0

$2,562 /mo

Next >

NMLS #2627028

6.717%

30-Year Fixed

6.625%

$3,891

Includes 0.650 points for $2,600

Lender Fees: $1,291

$2,562 /mo

Next >

NMLS #1025894

6.727%

30-Year Fixed

6.625%

$4,204

Includes 0.876 points for $3,504

Lender Fees: $700

$2,562 /mo

Next >

NMLS #399799

6.728%

30-Year Fixed

6.625%

$4,416

Includes 0.772 points for $3,088

Lender Fees: $1,328

$2,562 /mo

Next >

NMLS #2326098

License: 60DBO-181478

6.740%

30-Year Fixed

6.625%

$4,941

Includes 0.747 points for $2,988

Lender Fees: $1,953

$2,562 /mo

Next >

NMLS #401822

6.758%

30-Year Fixed

6.625%

$5,495

Includes 0.875 points for $3,500

Lender Fees: $1,995

$2,562 /mo

Next >

NMLS #1701910

6.786%

30-Year Fixed

6.750%

$1,490

Includes 0.000 points for $0

Lender Fees: $1,490

$2,595 /mo

Next >

NMLS #330511

6.831%

30-Year Fixed

6.750%

$3,344

Includes 0.836 points for $3,344

Lender Fees: $0

$2,595 /mo

Next >

NMLS #3030

6.889%

15-Year Fixed

6.750%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$3,540 /mo

Next >

NMLS #3030

7.602%

30-Year Fixed

7.500%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$2,797 /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 mortgage rates on 15 year home loans are averaging 3.66% with 0.7 mortgage discount points for the week ending July 28, 2011. 15 year mortgage rates are unchanged from the prior week's average.

5 year Treasury indexed adjustable mortgage rates are averaging 3.25% with 0.6 mortgage discount points, a decline from the previous week's average 5 year adjustable rate of 3.27%.

1 year Treasury indexed adjustable mortgage rates are averaging 2.95% with 0.5 mortgage discount points, down from the prior week's average 1 year adjustable mortgage rate of 2.97%.

Following is a more in-depth mortgage rate report released by MonitorBankRates this past Monday:

Conforming Adjustable Mortgage Rates

1 year adjustable mortgage rates are averaging 3.55%, down from last week’s average 1 year adjustable jumbo mortgage rate of 3.66%.

3 year adjustable mortgage refinance rates and adjustable mortgage rates today are averaging 3.01%, up from last week’s average 3 year adjustable mortgage rate of 2.89%.

5 year adjustable mortgages are averaging 3.26%, down from the prior week’s average rate of 3.39%.

7 year adjustable mortgage rates are averaging 3.41%, down from the previous week’s average 7 year loan rate of 3.43%.

10 year adjustable mortgage rates are averaging 3.89%, down from last week’s average 10 year adjustable rate of 3.91%.

Adjustable Jumbo Mortgage Rates

1 year jumbo adjustable mortgage rates are averaging 4.05%, up from last week’s average adjustable jumbo mortgage rate of 4.00%.

3 year adjustable jumbo rates are averaging higher at 3.41%, up from last week’s average 3 year jumbo adjustable rate of 3.38%.

5 year adjustable jumbo rates today are averaging 3.29%, a decrease from last week’s average jumbo adjustable rate of 3.42%.

Current 7 year jumbo adjustable loan rates are averaging 3.93%, up from last week’s average 7 year adjustable home loan rate of 3.53%.

10 year jumbo loan rates are averaging 4.37%, down from the prior week’s average 10 year jumbo home loan rate of 4.52%. 

Conventional Interest Only Adjustable Mortgage Rates

3 year interest only adjustable mortgage loan rates are averaging 3.13%, up from last week’s average interest only mortgage loan rate of 3.05%.

5 year IO adjustable loan rates are averaging 3.15%, down last week’s average five year interest only mortgage loan rate of 3.19%.

7 year interest only adjustable mortgage loan rates are averaging 3.51%, down from last week’s average 7 year interest-only mortgage interest rate of 3.53%. 

Interest Only Jumbo Mortgage Rates

3 year jumbo interest only adjustable loan rates are averaging 3.47%, a decline from last week’s average jumbo adjustable interest only rate of 3.93%.

5 year adjustable jumbo interest only rates are averaging 3.67%, up from last week’s average IO home mortgage interest rate of 3.65%.

7 year jumbo interest only adjustable rates are averaging 4.02%, down from last week’s average jumbo 7 year home loan rate of 4.07%.

Home Equity Loan Rates

10 year home equity loan rates are averaging 6.77%, unchanged from last week’s average home equity loan rate.

15 year home equity rates are averaging 6.82%, down from the prior week’s average home equity loan rate of 6.98%.

HELOC Rates

Home equity line of credit rates are averaging 4.97%, unchanged from last week’s average rate HELOC rate.