Mortgage Rates Higher Today

Mortgage rates moved higher today following the sharp increase in U.S. Treasury yields on Thursday. Average 30-year mortgage rates increased to 3.75 percent, up from an average rate of 3.70 percent on December 10th. 15-year mortgage rates today are currently averaging 3.19 percent, an increase from an average rate of 3.15 percent set earlier this week.

Treasury yields moved 11 basis points (bps) higher on the news the U.S. might trim existing tariffs on Chinese goods and delay tariffs set to kick in on Sunday. We expect mortgage rates to move higher from current levels over the weekend, but the increases will be less than 5 bps, unless a trade deal is actually reached, which is unlikely.

Average Mortgage Rates Today

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 #2473786

5.045%

15-Year Fixed

4.875%

$4,523

Includes 0.857 points for $3,428

Lender Fees: $1,095

$3,138 /mo

Next >

NMLS #1085173

5.056%

15-Year Fixed

4.875%

$4,870

Includes 0.875 points for $3,500

Lender Fees: $1,370

$3,138 /mo

Next >

NMLS #757416

5.141%

15-Year Fixed

4.990%

$3,988

Includes 0.997 points for $3,988

Lender Fees: $0

$3,162 /mo

Next >

NMLS #1067

5.151%

15-Year Fixed

5.000%

$3,988

Includes 0.997 points for $3,988

Lender Fees: $0

$3,164 /mo

Next >

NMLS #1701910

5.179%

15-Year Fixed

4.990%

$4,990

Includes 0.875 points for $3,500

Lender Fees: $1,490

$3,162 /mo

Next >

NMLS #613839

5.192%

15-Year Fixed

4.990%

$5,351

Includes 0.866 points for $3,464

Lender Fees: $1,887

$3,162 /mo

Next >

NMLS #2059741

5.193%

15-Year Fixed

4.990%

$5,360

Includes 0.840 points for $3,360

Lender Fees: $2,000

$3,162 /mo

Next >

NMLS #1312186

5.365%

15-Year Fixed

5.250%

$3,000

Includes 0.750 points for $3,000

Lender Fees: $0

$3,216 /mo

Next >

NMLS #2473786

5.466%

5-Year ARM

5.375%

$4,067

Includes 0.743 points for $2,972

Lender Fees: $1,095

$2,240 /mo

Next >

NMLS #1025894

5.503%

15-Year Fixed

5.375%

$3,348

Includes 0.662 points for $2,648

Lender Fees: $700

$3,242 /mo

Next >

NMLS #1312186

5.837%

5-Year ARM

5.750%

$3,792

Includes 0.948 points for $3,792

Lender Fees: $0

$2,335 /mo

Next >

NMLS #2561451

5.858%

30-Year Fixed

5.750%

$4,738

Includes 0.997 points for $3,988

Lender Fees: $750

$2,335 /mo

Next >

NMLS #1085173

5.866%

5-Year ARM

5.750%

$5,146

Includes 0.944 points for $3,776

Lender Fees: $1,370

$2,335 /mo

Next >

NMLS #2473786

5.947%

30-Year Fixed

5.875%

$3,135

Includes 0.510 points for $2,040

Lender Fees: $1,095

$2,367 /mo

Next >

NMLS #757416

5.954%

30-Year Fixed

5.875%

$3,436

Includes 0.859 points for $3,436

Lender Fees: $0

$2,367 /mo

Next >

NMLS #1067

5.955%

30-Year Fixed

5.875%

$3,480

Includes 0.870 points for $3,480

Lender Fees: $0

$2,367 /mo

Next >

NMLS #1085173

5.963%

30-Year Fixed

5.875%

$3,870

Includes 0.625 points for $2,500

Lender Fees: $1,370

$2,367 /mo

Next >

NMLS #2059741

6.001%

30-Year Fixed

5.875%

$5,476

Includes 0.869 points for $3,476

Lender Fees: $2,000

$2,367 /mo

Next >

NMLS #613839

6.086%

30-Year Fixed

5.990%

$4,143

Includes 0.564 points for $2,256

Lender Fees: $1,887

$2,396 /mo

Next >

NMLS #1025894

6.200%

30-Year Fixed

6.125%

$3,196

Includes 0.624 points for $2,496

Lender Fees: $700

$2,431 /mo

Next >

NMLS #1312186

6.207%

30-Year Fixed

6.125%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$2,431 /mo

Next >

NMLS #399799

6.213%

30-Year Fixed

6.125%

$3,900

Includes 0.643 points for $2,572

Lender Fees: $1,328

$2,431 /mo

Next >

NMLS #1701910

6.411%

30-Year Fixed

6.375%

$1,490

Includes 0.000 points for $0

Lender Fees: $1,490

$2,496 /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.

Conventional Mortgage Rates

• Today's mortgage rates on 30-year home loans are averaging 3.75 percent, up from an average 30-year rate of 3.70 percent.
• Current mortgage rates on 15-year fixed rate loans are at 3.19 percent, an increase from an average 15-year rate of 3.15 percent.
• 5-year adjustable mortgage rates are currently averaging 4.00 percent, higher from an average 5-year adjustable rate of 3.96 percent set earlier this week.

Jumbo Mortgage Rates

• Current 30-year jumbo mortgage rates are averaging 4.02 percent, up from an average 30-year jumbo rate of 4.01 percent.
• Today's 15-year jumbo mortgage rates are averaging 3.91 percent, up 2 basis points from 15-year jumbo rate of 3.89 percent.
• 5-year jumbo adjustable mortgage rates today are averaging 3.86 percent, a sharp increase from an average 5-year jumbo rate of 3.81 percent.

To make sure you're getting the best deal on loan for a home purchase or refinance, search for and compare current mortgage rates online.