Current Mortgage Rates Higher Today as Treasury Yields Increase, Expect Lower Rates in the Coming Weeks
Average mortgage rates today on fixed conforming loans are higher today as U.S. 10 year Treasury yields increased over the past week. Current mortgage rates will move lower in the coming weeks since Treasury yields have fallen considerably today, following U.S. equity prices lower on lower company earnings from some Dow components. These same companies are warning that future earning will also be lower than expected on a slowing global economy.
Today's mortgage rates on 30 year conforming mortgage loans are averaging 3.49 percent, an increase from last week's average 30 year mortgage rate of 3.40 percent. Average 30 year conforming mortgage rates are higher from a low of 3.37 percent set just over a week ago. With today's decrease in bond yields and the FOMC's continued easing to drive mortgage rates lower we will see rates decrease in the coming weeks.
Lender
APR
Rate
Cost & Fees
Notes
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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
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
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
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
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
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
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
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
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
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
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
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
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
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. There declines in rates will probably be about 20 basis points so if you're comparing rates right now you probably should lock in a rate. Right now on our Texas refinance rates list for 30 year conforming loans we have many lenders offering rates below the average of 3.49 percent. Two lenders, Amerisave and LenderFi are both offering 30 year refinance rates at an incredibly low level of 3.00 percent with points. Average 15 year mortgage interest rates today are at 2.86 percent, an increase from an average 15 year mortgage rate of 2.80 percent set last week. Average 15 year rates have increased from a record low of 2.77 percent set about two weeks ago. Right now you can find 15 year conventional mortgage rates well below the average rates. If you live in the state of California we have lenders offering 15 year conventional refinance rates below the averages. The lowest 15 year mortgage refinance rate on our list is from Integrity First with a current refinance rate of 2.25 percent with two mortgage points. Other lenders offering 15 year California refinance rates well below the average include Home Loan Enterprise with a current rate of 2.375 percent with 0.875 points. Average 30 year jumbo mortgage rates are slightly lower this week at 4.02 percent. The average 30 year jumbo mortgage rate is down from last week's average of 4.03 percent. Just over three week's ago average 30 year jumbo mortgage rates were as low as 3.94 percent. We also have lenders offering 30 year jumbo refinance rates below the average. Currently on our jumbo refinancing rates list for Atlanta, EverBank is offering 30 year jumbo refi rates at 3.625 percent with 0.70 points. 15 year jumbo mortgage rates today are also slightly lower averaging 3.34 percent, down from an average 15 year jumbo mortgage interest rate of 3.36 percent. Right now on our 15 year jumbo refinance mortgage rates list for Pennsylvania we have lenders offering 15 year rates below the average. The lowest 15 year jumbo refi rate is from EverBank at 2.875 percent with 0.75 points. |
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