Home Mortgage Rates Increase 7/24: Current 30 Year Mortgage Interest Rates at 4.76%, 15 Year Rates at 4.20%

Mortgage rates have resumed their uptrend after decreasing yesterday. 30 year mortgage rates today are averaging 4.76 percent, up from Friday's average 30 year mortgage rate of 4.69 percent. Mortgage rates headed higher late in the week following 10 year U.S Treasury yields higher. 10 year bond yields are approaching 3.00 percent again, closing on Friday at 2.99 percent .

Freddie Mac's recent Primary Mortgage Market Survey released on Thursday showed 30 year mortgage rates and 15 year mortgage rates hitting all-time lows. Mortgage rates will be higher in next week's survey if bond yields continue to go higher.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 06101, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.227
4.125
USD
Northpointe Bank Logo
NMLS # 447490
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $3,350
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.354
4.250
USD
Ally Bank Logo
NMLS # 181005
at 0.100 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $3,395
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.049
4.000
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 0.100 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $1,484
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.079
3.990
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # ML-66247
(877) 388 - 9170
at 0.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $2,885
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.784
4.700
USD
CIT Bank Logo
NMLS # 541760
(877) 366 - 5354
at 0.100 pts
45 day lock rate
Est payment: $1,555.91
Fees in APR: $2,582
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.267
4.125
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,046
 
 
30 yr fixed Mortgage Loan from Citibank, N. A.
Citibank, N. A.
https://www.brimg.net/system/img/inst/8189_logo.gif
300000
Refinance
4.796
4.750
USD
Citibank, N. A. Logo
NMLS # 412915
(877) 385 - 1690
at 0.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $1,590
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.512
4.500
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $415
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.125
4.125
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 0.000 pts
45 day lock rate
Est payment: $1,453.95
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.242
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # ML-66247
(877) 388 - 9170
at 0.000 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $56
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.375
4.375
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.250
4.250
USD
Northpointe Bank Logo
NMLS # 447490
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: None
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Better Mortgage Inc
Better Mortgage Inc
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.069
4.000
USD
Better Mortgage Inc Logo
NMLS # 330511
State Lic # ML-330511
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $2,482
Thank you for your quote. 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
3.903
3.750
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 1.100 pts
45 day lock rate
Est payment: $1,389.35
Fees in APR: $2,261
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.004
3.865
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # ML-66247
(877) 388 - 9170
at 1.100 pts
30 day lock rate
Est payment: $1,409.00
Fees in APR: $1,712
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
9.489
9.125
USD
CIT Bank Logo
NMLS # 541760
(877) 366 - 5354
at 1.100 pts
45 day lock rate
Est payment: $2,440.90
Fees in APR: $6,132
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed mtg refi Mortgage Loan from The Washington Trust Company
The Washington Trust Company
300000
Refinance
4.280
4.250
USD
The Washington Trust Company
4.280%
2/19/2019
4.250%
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,083
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.405
4.375
USD
TD Bank, NA
4.405%
2/20/2019
4.375%
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,043
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.373
4.250
USD
Bank of America
4.373%
2/18/2019
4.250%
at 0.998 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,351
 
 
30 yr fixed mtg refi Mortgage Loan from First National Bank of Omaha
First National Bank of Omaha
300000
Refinance
4.815
4.750
USD
First National Bank of Omaha
4.815%
2/21/2019
4.750%
at 0.500 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $752
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.406
4.375
USD
LincolnWay Community Bank
4.406%
2/19/2019
4.375%
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from United Bank
United Bank
300000
Refinance
4.401
4.375
USD
United Bank
4.401%
2/19/2019
4.375%
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $911
 
 
30 yr fixed mtg refi Mortgage Loan from The Guilford Savings Bank
The Guilford Savings Bank
300000
Refinance
4.542
4.500
USD
The Guilford Savings Bank
4.542%
2/22/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $719
 
 
30 yr fixed mtg refi Mortgage Loan from Savings Bank of Danbury
Savings Bank of Danbury
300000
Refinance
4.523
4.500
USD
Savings Bank of Danbury
4.523%
2/22/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $790
 
 
30 yr fixed mtg refi Mortgage Loan from Liberty Bank
Liberty Bank
300000
Refinance
4.419
4.375
USD
Liberty Bank
4.419%
2/22/2019
4.375%
at 0.250 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $814
 
 
30 yr fixed mtg refi Mortgage Loan from Union Savings Bank
Union Savings Bank
300000
Refinance
4.524
4.500
USD
Union Savings Bank
4.524%
2/22/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $852
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.550
4.500
USD
Citizens Bank, NA
4.550%
2/22/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $998
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.683
4.625
USD
Santander Bank, N.A.
4.683%
2/22/2019
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from UniBank for Savings
UniBank for Savings
300000
Refinance
4.786
4.750
USD
UniBank for Savings
4.786%
2/22/2019
4.750%
at 0.250 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $500
 
 

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.






Current 30 year jumbo mortgage rates have also headed higher this morning. 30 year jumbo mortgage rates are averaging 5.25 percent, an increase from an average 30 year mortgage interest rate of 5.20.

Today's 15 year conforming mortgage rates are also higher today. The current average 15 year mortgage rate is at 4.20 percent, up from an average 15 year mortgage rate of 4.13 percent. 15 year mortgage rates were on the verge of breaking 4.00 percent earlier this week but have gone higher later in the week.

15 year jumbo mortgage rates today are slighlty higher. Current 15 year jumbom mortgage rates are averaging 4.82 percent up from an average 15 year jumbo rate of 4.81 percent. 

Mortgage Rates 7/24


Mortgage Rates Conventional



  • 30 Year Fixed Conforming Mortgage Rates 4.76%

  • 15 Year Fixed Conforming Mortgage Rates 4.20%


Mortgage Rates Jumbo



  • 30 Year Jumbo Fixed Mortgage Rates 5.25%

  • 15 Year Jumbo Fixed Mortgage Rates 4.82%


Adjustable Mortgage Rates Conventional



  • 1 Year Adjustable Rates 3.54%

  • 3 Year Adjustable Rates 4.09%

  • 5 Year Adjustable Rates 3.57%


Jumbo Adjustable Mortgage Rates



  • 1 Year Adjustable Rates 5.95%

  • 3 Year Adjustable Rates 4.55%

  • 5 Year Adjustable Rates 4.07%


Following is a more in-depth weekly average mortgage rates survey report released by MonitorBankRates.com.

Mortgage Rates


30 year mortgage rates are averaging 4.72 percent this week, up from the previous week’s average 30 year mortgage rate of 4.67 percent. Current 30 year refinance mortgage rates are also averaging 4.67 percent this week.

15 year mortgage rates currently are averaging 4.21 percent this week, an increase from last week’s average 15 year mortgage interest rate of 4.18 percent. 15 year mortgage refinance rates currently are also are higher averaging 4.21 percent this week.

Jumbo Mortgage Rates


Current 30 year jumbo mortgage rates are averaging 5.33 percent this week, an increase from last week’s average 30 year jumbo mortgage interest rate of 5.25 percent.  The current average 30 year jumbo mortgage refinance rate is also at 5.33 percent.

15 year jumbo mortgage rates today are averaging 4.71 percent, down from last week’s average jumbo mortgage rate of 4.79 percent. Current 15 year jumbo refinance mortgage rates today are also lower, averaging 4.71 percent.

Adjustable Mortgage Rates


1 year conforming adjustable mortgage rates today are averaging 3.54 percent, down from last week’s average 1 year adjustable interest mortgage rate of 3.56 percent. 1 year conforming adjustable refinance mortgage interest rates today are also averaging 3.54.

Currently, 3 year adjustable conventional mortgage rates are at 4.09 percent this week, up from the previous week’s average 3 year adjustable rate mortgage of 4.01 percent. Current 3 year mortgage refinance rates today are also higher, averaging 4.09 percent.

5 year adjustable mortgage loan rates today are averaging 3.58 percent, down  from the prior week’s average home loan rate of 3.62 percent. Today’s 5 year refinance home mortgage rates are also down averaging 3.58 percent.

Current 7 year adjustable mortgage rates are averaging 3.86 percent this week, down slightly from last week’s average 7 year home mortgage rate of 3.87 percent. 7 year mortgage refinance rates today are also lower averaging 3.86 percent.

Today’s 10 year adjustable mortgage interest rates are averaging 4.21 percent this week, up from the previous week’s average 10 year adjustable mortgage rate of 4.14 percent.  Current 10 year home mortgage refinance rates are also higher averaging 4.21 percent.

Jumbo Adjustable Mortgage Rates


1 year jumbo adjustable mortgage loan rates today are averaging 5.95 percent, unchanged from the previous week’s average 1 year adjustable jumbo mortgage rate. 1 year jumbo refinance mortgage rates today are also averaging 5.95 percent.

Current 3 year jumbo adjustable mortgage interest rates are averaging 4.57 percent, down from last week’s average jumbo interest mortgage rate of 4.61 percent. Today’s 3 year jumbo refinance mortgage rates are also lower, averaging 4.57 percent.

5 year jumbo adjustable home mortgage rates today are averaging 4.07 percent this week, up from last week’s average mortgage rate of 4.06 percent. Current 5 year jumbo refinance rates today are also up slightly averaging 4.07 percent.

Today’s 7 year jumbo adjustable mortgage rates current are averaging 4.66 percent, down from last week’s average 7 year home mortgage rate of 4.68 percent. 7 year jumbo refinance mortgage rates today are also down to 4.66 percent.

10 year jumbo mortgage rates are averaging 5.28 percent, up from the previous week’s average 10 year jumbo home mortgage rates of 5.26 percent. Today’s 10 year jumbo home loan refinance rates are also higher averaging 5.28 percent.

Conventional Interest Only Adjustable Mortgage Rates


3 year interest only adjustable mortgage rates today are averaging 4.27 percent, up from last week’s average interest only mortgage loan rate of 4.42 percent. Current 3 year interest only adjustable refinance mortgage rates are also higher averaging 4.27 percent.

Current 5 year interest only adjustable mortgage rates today are averaging 3.75 percent, down rom last week’s average five year interest only mortgage loan rate of 3.67 percent. Today’s 5 year interest only adjustable refinance mortgage rates are also averaging 3.75 percent.

7 year interest only home adjustable mortgage rates currently are averaging 4.09 percent, up from last week’s average 7 year IO mortgage rate of 4.02 percent. Today’s 7 year adjustable refinance rate mortgages are also averaging 4.02 percent.

Interest Only Jumbo Adjustable Mortgage Rates


Current 3 year jumbo interest only loan adjstuable mortgage rates are averaging 5.16 percent, unchanged from last week’s average jumbo adjustable interest only mortgage rate of 5.26 percent. Today’s jumbo IO adjustable refinance rates are also averaging 5.16 percent.

Today’s 5 year adjustable jumbo interest only home loan rates are at 4.54 percent, up from an average IO home mortgage rate of 4.52 percent the previous week. 5 year jumbo adjustable IO loan rates are also averaging 4.54 percent.

7 year jumbo IO adjustable mortgage rates today are averaging 4.98 percent, up from an average jumbo 7 year home mortgage rate of 4.95 percent last week. 7 year jumbo adjustable interest-only mortgage rates are also at 4.98 percent.

Home Equity Loan Rates


Current 10 year home equity loan rates are averaging 7.115 percent, unchanged from last week’s average home equity loan rate.

Today’s 15 year home equity rates are averaging 7.433 percent this week, no change from last week’s average home equity loan rate.

Home Equity Line of Credit Rates


Current average home equity line of credit rates (HELOC) are at 4.777 percent this week, unchanged from last week’s average HELOC rate.
 
 
Author: Brian McKay
July 24th, 2010
Posted in: Bank Mortgage Rates