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Compare Current Mortgage Rates Today from Lenders Below. Our List of Mortgage Rates is Updated Every Day
 

Mortgage Rates

| Compare Current Mortgage Rates Today

Search for today's mortgage rates for home loans to buy a home or refinance a mortgage. You can compare rates today from several lenders by searching in your state below. The current mortgage rates displayed are for a refinance loan in the amount of $250,000. Change the search form to get your own mortgage loan quotes from several different lenders without providing any personal information. When comparing rates you will also see the annual percentage rate (APR) which is higher than the interest rate because fees and points are calculated into the rate. Your FICO score and the down payment on a home purchase or percent equity in your home on a refinance will also determine the rates you are quoted.

Mortgage Rates Updated Wed Sep 19, 2018
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 23223, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.554
4.490
USD
at 0.100 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $1,950
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.749
4.625
USD
at 0.100 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $3,967
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
4.454
4.375
USD
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,475
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.472
4.375
USD
Northpointe Bank Logo
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,124
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.679
4.500
USD
First Mortgage Direct Logo
at 1.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $3,214
 
 
Next button
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.468
4.375
USD
Lenda, Inc. Logo
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,971
All online. No annoying phone calls. No paper. No hassles. 
 
Next button
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.459
4.335
USD
Sol Mortgage Logo
at 0.100 pts
30 day lock rate
Est payment: $1,490.79
Fees in APR: $4,048
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.462
4.375
USD
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,746
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.571
4.500
USD
Capital Bank N.A. Logo
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $2,180
 
 
Next button
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.465
4.365
USD
at 0.100 pts
30 day lock rate
Est payment: $1,496.09
Fees in APR: $3,221
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.474
4.375
USD
at 0.100 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $3,191
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.652
4.550
USD
at 0.100 pts
45 day lock rate
Est payment: $1,528.98
Fees in APR: $3,260
Thank you for your inquiry! We look forward to working with you. 
 
Next button
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.542
4.375
USD
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,824
 
Next button
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.618
4.500
USD
HomeDirect Mortgage Logo
at 1.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $1,107
 
 
Next button
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.843
4.750
USD
at 0.100 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $2,895
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.469
4.375
USD
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,014
 
 
Next button
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.371
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,990
 
 
Next button
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.644
4.625
USD
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $676
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.646
4.625
USD
Capital Bank N.A. Logo
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $732
 
 
Next button
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.750
4.750
USD
First Mortgage Direct Logo
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: None
 
 
Next button
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
4.625
4.625
USD
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.625
4.625
USD
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
5.026
4.990
USD
at 0.000 pts
30 day lock rate
Est payment: $1,608.63
Fees in APR: $1,215
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.625
4.625
USD
Lenda, Inc. Logo
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
All online. No annoying phone calls. No paper. No hassles. 
 
Next button
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.625
4.625
USD
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: None
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.654
4.625
USD
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $995
 
Next button
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.625
4.625
USD
Sol Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from MortgageRight
MortgageRight
https://www.brimg.net/system/img/inst/10453_logo.gif
300000
Refinance
4.625
4.625
USD
MortgageRight Logo
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.625
4.625
USD
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
Next button
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
300000
Refinance
4.651
4.625
USD
Republic Bank Logo
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $895
 
 
Next button
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.750
4.750
USD
HomeDirect Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: None
 
 
Next button
30 yr fixed Mortgage Loan from Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.539
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $1,378
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.901
4.875
USD
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $879
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.759
4.750
USD
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $299
 
 
Next button
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.615
4.615
USD
at 0.000 pts
30 day lock rate
Est payment: $1,540.62
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.625
4.625
USD
Northpointe Bank Logo
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Aurora Financial
Aurora Financial
https://www.brimg.net/system/img/inst/4284_logo.gif
300000
Refinance
4.515
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $544
 
 
Next button
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.501
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $29
 
 
Next button
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.627
4.250
USD
at 2.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $7,010
 
Next button
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.399
4.250
USD
at 1.100 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,961
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.681
4.500
USD
at 1.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $2,969
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.386
4.250
USD
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,501
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Optimum First Mortgage Inc.
Optimum First Mortgage Inc.
https://www.brimg.net/system/img/inst/7604_logo.gif
300000
Refinance
4.297
4.125
USD
at 1.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,783
 
 
Next button
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
300000
Refinance
4.396
4.250
USD
Lenda, Inc. Logo
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,840
All online. No annoying phone calls. No paper. No hassles. 
 
Next button
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.410
4.250
USD
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,325
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
4.471
4.375
USD
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $68
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.534
4.350
USD
at 1.100 pts
45 day lock rate
Est payment: $1,493.44
Fees in APR: $3,112
Thank you for your inquiry! We look forward to working with you. 
 
Next button
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.393
4.250
USD
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,724
 
 
Next button
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.378
4.210
USD
Sol Mortgage Logo
at 1.100 pts
30 day lock rate
Est payment: $1,468.80
Fees in APR: $2,609
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.322
4.115
USD
at 1.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $3,998
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
30 yr fixed mtg refi Mortgage Loan from Langley FCU
Langley FCU
300000
Refinance
4.889
4.875
USD
Langley FCU

4.889%
9/13/2018
4.875%
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $495
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.796
4.750
USD
Bank of Oak Ridge

4.796%
9/13/2018
4.750%
at 0.250 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.656
4.625
USD
LincolnWay Community Bank

4.656%
9/18/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.557
4.500
USD
State Department Federal Credit Union

4.557%
9/17/2018
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.915
4.875
USD
Fulton Bank, NA

4.915%
9/11/2018
4.875%
at 0.125 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.725
4.625
USD
Bank of America

4.725%
9/12/2018
4.625%
at 0.727 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
5.038
5.000
USD
Raymond James Bank, NA

5.038%
9/18/2018
5.000%
at 0.000 pts
45 day lock rate
Est payment: $1,610.46
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.824
4.750
USD
Citizens Bank, NA

4.824%
9/14/2018
4.750%
at 0.375 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.848
4.750
USD
Apple Federal Credit Union

4.848%
9/19/2018
4.750%
at 1.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.560
4.500
USD
TD Bank, NA

4.560%
9/14/2018
4.500%
at 0.375 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from The Fidelity Bank
The Fidelity Bank
300000
Refinance
4.900
4.875
USD
The Fidelity Bank

4.900%
9/14/2018
4.875%
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $863
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.835
4.750
USD
Bank of America

4.835%
9/19/2018
4.750%
at 0.547 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.934
4.875
USD
Santander Bank, N.A.

4.934%
9/19/2018
4.875%
at 0.000 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.722
4.625
USD
Apple Federal Credit Union

4.722%
9/12/2018
4.625%
at 1.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.796
4.750
USD
Northwest Federal Credit Union

4.796%
9/19/2018
4.750%
at 0.500 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.798
4.750
USD
Virginia Credit Union

4.798%
9/11/2018
4.750%
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $1,650
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.




Triumph Bank Home Loan rates are very competitive right now, and more importantly, the bank doesn’t charge any lender fees on mortgage loans.  Some lenders will charge hundreds, if not thousands, of dollars in lender fees which drives up the overall annual percentage rate on a mortgage.

Tip: Searching for the lowest mortgage rates today plus finding lenders with low or no fees can save you tens of thousands of dollars over the life of a mortgage.

Triumph Bank Home LoansTriumph Bank Home Loan Rates is part of Triumph Bank, which is based in Collierville, Tennessee. The bank makes loans in all States except NY, CA, AZ, NM, NV, MT, ID, WA, OR, AK and HI. 

Current Triumph Bank Home Loan Rates

Listed below are a sample of today’s mortgage rates at Triumph Bank Home Loans. You can see how these rates compare with the current average mortgage rates listed on the right. Current Average Mortgage Rates Feb 26 - 2018

  • 30 Year Fixed – 4.125% with 0.375 points
  • 30 Year Fixed – 4.25% with zero points
  • 15 Year Fixed – 3.50% with 1 mortgage point
  • 15 Year Fixed – 3.75% with zero points

There are many different factors lenders use to determine what mortgage rates to offer borrowers. The Triumph Bank Home Loan mortgage rates that were quoted are rates based on the following criteria:

  • Home Purchase Loan – A loan to buy a home instead of a refinance loan which is to refinance a current loan
  • Conforming Loan – A loan that conforms to GSE (Fannie Mae and Freddie Mac) guidelines
  • 20 percent down payment 
  • Credit score of 740 and above

You can see this lender’s current rates by going to their website and clicking on “Check Rates.” Another option would be to compare this lender’s rates with other lender’s rates by searching our mortgage rate list for your state. You will see dozens of mortgage lenders listed all with different mortgage rates, points and fees. Therefore, you will likely get a better rate.

Mortgage rates and refinance rates are moving higher. Now is a good time to lock in a rate because a higher mortgage rate means higher monthly payments. In addition, you will pay more of your monthly mortgage payments towards interest instead of towards principal. 

Author: Brian McKay
February 26th, 2018

Mortgage rates continued the relentless decline this week, hitting yet another new low for 2017. Back in January of this year, forecasts for average 30 year mortgage rates by this time were in the range of 4.75 percent. Average 30 year mortgage rates closed yesterday at 3.67 percent, more than 100 basis points lower than the forecast. 30 year rates are now only about 30 basis points above the all-time record low set in 2012.

15 year mortgage rates also fell this week, hitting a new low for 2017 and falling below 3.00 percent for the first time this year. Average 15 year mortgage rates are at 2.94 percent, down from last week’s average rate of 3.01 percent. 15 year mortgage rates were forecast to be around 3.75 percent by the third quarter of 2017.

5 year adjustable mortgage rates were slightly higher this week, averaging 3.15 percent, up from last week’s average rate of 3.14 percent. In the chart below, you can see the steady decline for mortgage rates this year.

30 year jumbo mortgage rates  declined this week to 4.20 percent, down from last week’s average 30 year jumbo rate of 4.26 percent. Average 15 year jumbo rates fell to 3.83 percent, down from the prior week’s average 15 year rate of 3.87 percent. 5 year jumbo adjustable rates are currently at 3.62 percent, up from last week’s average of 3.60 percent.

Author: Brian McKay
September 21st, 2017

Mortgage rates were widely forecast to move higher in 2017 but that hasn’t happened. In fact, mortgage rates have actually declined since the beginning of 2017. Now we are in the month of June, halfway through the year, and rates are still moving lower.

Back in January 2017, 30 year mortgage rates were above 4.00 percent, averaging around 4.25 percent. By the end of May, 30 year mortgage rates were back under 4.00 percent, averaging 3.90 percent. 30 year mortgage rates today are even lower, averaging 3.75 percent.

RatesORama.com, along with most mortgage related websites, forecast higher mortgage rates. One of the premier organizations in the mortgage business, the Mortgage Bankers Association, also forecast higher mortgage rates. Naturally, their forecast for average rates has declined each month as rates moved lower.


MBA Mortgage Rate Forecasts

January 19th Forecast

  • 30 year rates averaging 4.40% by the 2nd quarter
  • 30 year rates averaging 4.70% by the 4th quarter

April 18th Forecast

  • 30 year rates averaging 4.30% by the 2nd quarter
  • 30 year rates averaging 4.60% by the 4th quarter

June 12th Forecast

  • 30 year rates averaging 4.10% by the 2nd quarter
  • 30 year rates averaging 4.40% by the 4th quarter

The MBA’s forecasts will certainly come down again next month since the 2nd quarter of 2017 is almost over and average 30 year rates are at 3.75 percent.

Future Direction of Mortgage Rates

RatesORama.com now forecast average fixed mortgage rates to hover around current levels for the rest of 2017. That would mean 30 year rates will remain around 3.75 percent and 15 year mortgage rates will remain near 3.00 percent.

Shorter term adjustable mortgage rates are more susceptible to short term bond yields moving higher. The Fed is expected to increase the fed funds rate once more in 2017. The increase will be 25 basis points, which will likely force short term mortgage rates up 25 basis points.

Current average 5 year adjustable mortgage rates are at 3.15 percent. A 25 basis point increase will put 5 year adjustable rates around 3.40 percent. 7 year adjustable rates currently averaging 3.35 percent will move towards 3.60 percent.

Author: Brian McKay
June 29th, 2017

The general consensus is that mortgage rates will move higher in 2017 but that hasn’t happened yet and the year is almost half over. When Trump surprised everyone and won the election, 10 year bond yields and mortgage rates moved higher. 10 year yields increased from roughly 1.80 percent to 2.60 percent and average 30 year mortgage rates increased from 3.40 percent to 4.00 percent.

Since then, both bond yields and mortgage rates are lower and in fact, both are lower overall in 2017. This wasn’t supposed to happen because the Federal Reserve is in tightening mode and has increased rates twice since December 2016.

While the Federal Reserve doesn’t set mortgage rates, their rate changes do affect mortgage rates and the housing market. Mortgage rates tend to move in the same direction as 10 year bond yields because the 10 year note serves as a benchmark for mortgages and many forms of credit.

When the fed funds rate is increased, bond yields move higher and mortgage rates also move higher. The same process happens but in the opposite direction when the fed funds rate is lowered.

The Fed is expected to increase the fed funds rate two more times in 2017 and those rate increases will put more upward pressure on bond yields and mortgage rates. Will two more rate hikes actually produce higher mortgage rates?

We believe so. Don’t be alarmed though -mortgage rates won’t move much higher from current levels. 30 year mortgage rates today are still under 4.00 percent, averaging 3.92 percent.

At the beginning of the year, 30 year mortgage rates were forecast to hit 5.00 percent by the end 2017. We think this is highly unlikely at this point. A more realistic forecast is for 30 year rates to move up to 4.50 percent by the end of the year, which is only 50 basis points higher than today’s average rate.

Author: Brian McKay
May 24th, 2017

Mortgage rates and bond yields have surged higher over the past three months. The increase in rates and yields accelerated since Donald Trump won the Presidential Election. The month before the election, average 30 year conforming mortgage rates were at 3.54 percent. 30 year mortgage rates today are above 4.00 percent, averaging 4.18 percent.

During the same time, 10 year U.S. Treasury yields rose from around 1.60 percent to today’s yield of 2.60 percent, a 100 basis point increase. We expect even higher rates and yields in 2017 because the Federal Open Market Committee is expected to increase rates.

The FOMC anticipates increasing the fed funds rate by 0.75 percent in 2017 and may possibly increase the rate more if needed. This will put upward pressure on Treasury yields, which in turn will put upward pressure on mortgage rates. 10 year Treasury yields could hit 3.50 percent and average 30 year mortgage rates might hit 5.00 percent by the end of 2017.

15 year mortgage rates are also moved sharply higher over the past three months. In late September of this year, average 15 year mortgage rates were around 2.75 percent. 15 year mortgage rates today are much higher, averaging 3.33 percent, an increase of 58 basis points. 15 year mortgage rates will likely hit 4.00 percent by the end of 2017.

On a percentage basis, the current increase for both 30 year rates and 15 year rates are even higher. Average 30 year mortgage rates increased by 18 percent and average 15 year mortgage rates increased by 21 percent in 3 months. You can see an archive of average mortgage rates for 2016 at Freddie Mac Mortgage Rate Archive.

Unfortunately, for homeowners financing their purchase, higher mortgage rates are here and will continue to move higher. If you’re a potential homebuyer, now is time to lock in a mortgage rate before rates increase. The higher the mortgage rates, the higher your monthly mortgage payment will be and the less home you can afford.

The rates mentioned above are average rates but you can still find lenders quoting mortgage rates below the average. If you’re comparing mortgage rates, you can see a list of lenders listed in your state by searching our rate lists at Mortgage Rates.

Author: Brian McKay
December 19th, 2016

Mortgage rates moved considerably higher this week, after hovering just above record lows the past couple of weeks. Average 30 year conforming mortgage rates increased 12 basis points this week from 3.36 percent to 3.48 percent. Despite the recent increase, 30 year rates are only 17 basis points higher than the record low set in the 4th quarter of 2012.

The future trend for mortgage rates will be higher in the coming months and years. The first catalyst for higher rates will be the Federal Open Market Committee’s December meeting. The FOMC is predicted to increase the fed funds in December and the increase is widely expected to be 25 basis points.

The fed funds rate increase will likely only have a slight impact on mortgage rates. Any increases in mortgage rates will happen before the meeting because markets will drive 10 year rates higher in anticipation of a rate increase. Regardless, the future trend for higher mortgage rates will start in December.

Fixed mortgage rates and long term bond yields trend higher together because most lenders set fixed mortgage rates based on long term U.S. Treasury yields.

Current Mortgage Rates

  • Current mortgage rates on 15 year loans are averaging 2.69 percent, an increase from the previous week’s average 15 year rate of 2.63 percent.
  • 30 year jumbo mortgage rates are averaging  4.17 percent, up from last week’s average 30 year jumbo rate of 4.12 percent.
  • Mortgage rates today on 15 year jumbo loans are averaging 3.50 percent, up from last week’s average 15 year jumbo rate of 3.45 percent.
  • 5/1 conforming adjustable mortgage rates are averaging 2.95 percent, up from the prior week’s average 5/1 adjustable rate of 2.89 percent.
  • 5/1 jumbo adjustable mortgage rates are averaging 3.52 percent, an increase from last week’s average 5/1 jumbo ARM of 3.47 percent.

To see a list of today’s mortgage rates search our rate lists at MortgageRates.RatesORama.com.

Author: Brian McKay
October 16th, 2016

30 year mortgage rates today made a new low for 2016 by falling 15 basis points. Average 30 year mortgage rates declined to 3.36 percent, down from last week’s average rate of 3.51 percent. 30 year rates are now only 5 basis points from an all-time record low set in 2012, according to MonitorBankRates.com.

Today’s employment report was weaker than expected and may drive mortgage rates to a new record low next week. Lenders are already quoting 30 year refinance rates with points below the record average low. The best 30 year refinance rate on our rate list is at 3.125 percent with 1.10 points from Better Mortgage.

Today’s mortgage rates on 15 year conforming loans are averaging 2.63 percent, a decline from the previous week’s average rate of 2.69 percent. The lowest 15 year conforming refinance rate available on our rate list is also below the average at 2.375 percent with 1 point.

5/1 adjustable mortgage rates are back under 3.00 percent, falling this week to 2.92 percent. Last week 5/1 adjustable rates were averaging 3.04 percent. The lowest 5 year adjustable refinance rate on our rate list is well below the average at 2.375 percent with 1.10 points.

Current mortgage rates on 30 year jumbo loans are averaging 4.35 percent, down 16 basis points from last week’s average 30 year jumbo rate of 4.51 percent. The best 30 year jumbo refinance rates on our rate list are much lower than the average at 3.25 percent with 2 mortgage points from Capital One.

15 year jumbo mortgage rates are currently averaging 2.67 percent, down from the prior week’s average 15 year rate of 2.78 percent. The lowest 15 year refinance rate on our rate list is at 2.625 percent with two mortgage points.

5/1 jumbo adjustable mortgage rates are averaging 3.85 percent, a decline from 3.97 percent last week. The best 15 year jumbo refi rate on our rate list is at 2.375 percent with 2 mortgage points from Midwest Equity Mortgage.

You can search for the lowest mortgage refinance rates in the state you live in by searching our rate list at MortgageRates.RatesORama.com.

Author: Brian McKay
October 7th, 2016

If you haven’t heard the news, the Federal Open Market Committee declined to raise the fed funds rate list week. This is good news for those looking to buy a home or refinance a mortgage, as current mortgage rates will stay near record lows for now.

Mortgage rates are not directly tied to the federal funds rate but indirectly tied. When the federal funds rate is increased, bond yields usually increase. Lenders tie mortgage rates to 10 year bond yields, as 10 year bond yields rise, lenders adjust mortgage rates higher.

30 year fixed conforming mortgage rates are currently at 3.51 percent, up from last week’s average mortgage rate of 3.46 percent. 30 year rate moved higher last week but are only about 25 basis points above all-time record lows set a few years ago.

A decade ago, 30 year mortgage rates were in the 6 to 7 percent range. Back in the early 1980’s the all-time record high for 30 year mortgage rates was just above 17 percent.

Average 30 year rates are at 3.51 percent today but there are lenders quoting 30 year rates well below the average. The best 30 year refinance rates on our rate list right now are at 3.00 percent with points. The best rates without points are still below the average at 3.25 percent.

Mortgage points allow the borrower to get a lower mortgage rate by paying money up front. Each mortgage point is equal to 1 percent of the loan amount.

To see how low mortgage rates are in your area search our rate lists at MortgageRates.RatesoRama.com.

Author: Brian McKay
September 25th, 2016

Mortgage rates moved higher this week, following 10 year bond yields higher as a result of a strong July employment report. Last Friday, July’s Nonfarm Payroll numbers showed 255,000 jobs were created in July, 75,000 more jobs than were expected. 

10 year bond yields shot back above 1.50 percent on the strong report and went as high as 1.60 percent. Last Friday, 30 year conforming mortgage rates were averaging 3.38 percent. Today 30 year conforming rates are higher, averaging 3.56 percent.

Even with the 18 basis point increase, average 30 rates are not much higher than the all-time low of 3.31 percent set late in 2012. Right now, there are a few lenders on our mortgage rates list quoting 30 year refinance rates below the all-time low of 3.31 percent.

The lowest 30 year refinance rate on our rate list for California is quoted at 3.125 percent with 1 mortgage point from HomePlus. The lowest 30 year rate without points on our rate list is also from HomePlus at 3.375 percent, just above the all-time record low of 3.31 percent.

15 year mortgage rates today are currently averaging 2.69 percent, up from the previous week’s average 15 year rate of 2.66 percent. Checking on our 15 year rate list for California, HomePlus is also offering the lowest 15 year refinance rates at 2.375 percent with 1 mortgage point. The lowest 15 year rate without points is also from HomePlus at 2.625 percent.

30 year jumbo mortgage rates are currently averaging 3.86 percent, up 5 basis points from last week’s average rate of 3.81 percent. The best 30 year jumbo refinance rates on our rate list for Colorado are much lower at 3.25 percent with 1 mortgage point from Sebonic Financial. The lowest 30 year jumbo rate without points is from Regent Bank at 3.75 percent.

15 year jumbo mortgage rates are averaging 3.36 percent, an increase from last week’s average 15 year jumbo rate of 3.29 percent. The best 15 year jumbo mortgage rates on our rate list for New York are currently at 2.625 percent with no points from Teachers Federal Credit Union.

You can search for and compare mortgage rates in your state from many lenders by searching our rate lists at MortgageRates.RatesORama.com.

Author: Brian McKay
August 9th, 2016

As we expected, average mortgage rates are down again this week and are just above record lows set in 2012. The catalyst for sending mortgage rates near record lows was the Brexit vote to leave the European Union. Just after the vote, we wrote an article entitled Brexit Will Send U.S. Mortgage Rates to New Lows, predicting mortgage rates will head down to all-time lows on the vote and we are just about there.

Average 30 year mortgage rates were at 3.55 percent right after the vote and are now at 3.44 percent. The all-time record low for average 30 year mortgage rates is 3.31 percent set in the fourth quarter of 2012. You can already find lenders quoting 30 year rates with points below the all-time low of 3.31 percent below and lower than today’s average of 3.44 percent and below.

The lowest 30 year refinance rates for California is from Sebonic Financial at 2.875 percent with 1.10 mortgage points. The lowest quoted rate without points on our rate list for CA is at 3.25 percent, still below the current average rate and below all-time record low of 3.31 percent.

Average 15 year mortgage rates are down considerably since the Brexit vote. The current average 15 year mortgage rate is at 2.68 percent, down 8 basis points from last week’s average rate of 2.76 percent. As with 30 year rates, lenders are quoting 15 year mortgage rates well below the current average rate.

Sebonic Financial is also offering the lowest 15 year rates. This lender is currently quoting 15 year refinance rates at 2.125 percent with 1.10 points. Sebonic Financial is also offering 15 year rates at 2.25 percent with 0.10 points and at 2.50 percent with no points.

You can search for and compare mortgage rates for home purchases and refinance rates by using our rate lists. No contact information is required to see a list of mortgage rates, unlike most comparison mortgage rate websites.

Author: Brian McKay
July 11th, 2016