Refinance Rates Decline This Week: 15 Year Refinance Rates at 3.36%

Refinance rates are lower this week driven lower by a decrease in 10 year bond yields. Today's refinance rates on 30 year loans are averaging 4.09%, a decline from last week’s average 30 year refinance rate of 4.11%. Current rates on 15 year loans are averaging 3.36%, down from last week’s average 15 year refinance rate of 3.42%.

Compare refinance rates today from many lenders by using our refinance rate table here: Refinance Rates. Unlike most websites, no personal information is needed to view a list of refinance rates.

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 Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.230
4.125
USD
Ally Bank Logo
NMLS # 181005
at 0.100 pts
45 day lock rate
Est payment: $1,453.95
Fees in APR: $3,450
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.223
3.990
USD
E-Click Lending Logo
NMLS # 227765
State Lic # MC-5920
(877) 387 - 3899
at 1.000 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $5,283
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.094
3.990
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
at 0.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $3,431
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from First Midwest Bank
First Midwest Bank
https://www.brimg.net/system/img/inst/10612_logo.gif
300000
Refinance
4.052
3.990
USD
First Midwest Bank Logo
NMLS # 423112
at 0.750 pts
60 day lock rate
Est payment: $1,430.52
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from First Midwest Bank
First Midwest Bank
https://www.brimg.net/system/img/inst/10612_logo.gif
300000
Refinance
4.125
4.125
USD
First Midwest Bank Logo
NMLS # 423112
at 0.000 pts
60 day lock rate
Est payment: $1,453.95
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.427
4.375
USD
E-Click Lending Logo
NMLS # 227765
State Lic # MC-5920
(877) 387 - 3899
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,825
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.380
4.375
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $194
Thanks for the inquiry! 
 
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
4.258
4.250
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $299
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.240
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
at 0.000 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $2
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from First Midwest Bank
First Midwest Bank
https://www.brimg.net/system/img/inst/10612_logo.gif
300000
Refinance
3.863
3.750
USD
First Midwest Bank Logo
NMLS # 423112
at 1.375 pts
60 day lock rate
Est payment: $1,389.35
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.256
3.875
USD
E-Click Lending Logo
NMLS # 227765
State Lic # MC-5920
(877) 387 - 3899
at 2.000 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $7,446
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
3.928
3.740
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
at 1.100 pts
30 day lock rate
Est payment: $1,387.65
Fees in APR: $3,515
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.529
4.500
USD
Fulton Bank, NA
4.529%
4/16/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.328
4.250
USD
Virginia Credit Union
4.328%
4/16/2019
4.250%
at 0.375 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.432
4.375
USD
State Department Federal Credit Union
4.432%
4/15/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.415
4.375
USD
Citizens Bank, NA
4.415%
4/12/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.155
4.125
USD
LincolnWay Community Bank
4.155%
4/16/2019
4.125%
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.295
4.250
USD
Bank of Oak Ridge
4.295%
4/18/2019
4.250%
at 0.250 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.278
4.250
USD
TD Bank, NA
4.278%
4/19/2019
4.250%
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.557
4.500
USD
Santander Bank, N.A.
4.557%
4/19/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.316
4.250
USD
Northwest Federal Credit Union
4.316%
4/17/2019
4.250%
at 0.750 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.343
4.250
USD
Bank of America
4.343%
4/17/2019
4.250%
at 0.671 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.345
4.250
USD
Apple Federal Credit Union
4.345%
4/17/2019
4.250%
at 1.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $352
 
 

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.






Refinance rates currently on 30 year jumbo loans are averaging 4.48%, a decrease from last week’s average 30 year jumbo refinancing rate of 4.61%. Refinance rates currently on 15 year jumbo loans are averaging 3.68%, down slightly from last week’s average 15 year jumbo refi rate of 3.89%.

Refinance Rates


Conforming Adjustable Loan – Refinance Rates Today


1 year adjustable refinance rates today are averaging 3.74%, down from last week’s average 1 year adjustable jumbo refinance rate of 3.79%.

3 year adjustable refinance rates current are averaging 2.74%, an increase from last week’s average 3 year adjustable refinance rate of 2.60%.

5 year adjustable refinancing rates are averaging 2.73%, a decrease from the prior week’s average 5 year adjustable refinance rate of 2.78%.

Current 7 year adjustable refi rates are averaging 3.03%,  a decline from the previous week’s average 7 year adjustable refinancing  rate of 3.12%.

10 year adjustable refi rates currently are averaging 3.53%, down from last week’s average 10 year adjustable rate of 3.60%.

Adjustable Jumbo Loans – Today's Refinance Rates


Current 1 year jumbo adjustable refinance rates are at 4.50%, unchanged from last week’s average adjustable jumbo refinance rate.

3 year adjustable jumbo refinance rates today are averaging lower at 3.46%, up from last week’s average 3 year jumbo adjustable refinance rate of 3.42%.

5 year adjustable jumbo refinance rates currently are averaging 2.94%, down last week’s average jumbo adjustable refinance loans rate of 3.03%.

7 year jumbo adjustable refinance home loan rates today are averaging 3.44%, down change from last week’s average 7 year adjustable refinance home rate of 3.57%.

10 year jumbo home refinance rates are averaging 3.95%, down from the prior week’s average 10 year jumbo refinance rates of 3.97%.

Conventional Adjustable Interest Only Adjustable Loans – Current Refinance Rates


3 year interest only adjustable refinance rates and are averaging 2.87%, up from last week’s average interest only refinance rate of 2.85%.

5 year IO adjustable loan refinance rates today are averaging 2.84%, a decline from last week’s average five year interest only  home refinance rate of 2.93%.

7 year interest only adjustable loan refinance rates are averaging 3.16%, a decline from last week’s average 7 year interest-only refinance rates of 3.44%.

Adjustable Interest Only Jumbo – Refinance Rates Todays


Today’s 3 year jumbo refinancing rates are averaging 3.65%, up from last week’s average jumbo adjustable interest only refinance rate of 3.58%.

Current 5 year adjustable jumbo interest only refinance rates are averaging 3.38%, down from last week’s average IO home refinance rate of 3.43%.

Today’s 7 year jumbo interest only adjustable refinance rates are averaging 3.65%, down from last week’s average jumbo 7 year home refinance loan rate of 3.79%.

 
 
Author: Brian McKay
November 8th, 2011