Current Mortgage Refinance Rates Higher

Current mortgage refinance rates are up today, continuing the trend of the past couple of weeks. 30 year refinance rates are back above 5.00 percent at 5.16 percent as of this morning. 30 year refinance rates are at the highest level since January 11, 2010 when 30 year rates were averaging 5.17 percent. The recent low of 4.92 percent was on March 22, 2010.

Looking for Refinance Rates? Search our Refinance Rate Tables. MortgageRates.MonitorBankRates.com.

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 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 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 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 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 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 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 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 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 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.






The current average 15 year conforming refinance rate is at 4.47 percent today, up from the prior week’s average 15 year rate of 4.35 percent. Conforming refinance rates are expected to head higher since the Fed completed their purchase of mortgage-backed securities at the end of March. Jumbo refinance rates are not expected to move that much because the Fed hasn't supported the jumbo MBS market.

Current 30 year jumbo refinance rates are averaging 5.61 percent today, up from a jumbo refinance rate of 5.57 percent. 15 year jumbo refinance rates have declined to 5.05 percent today, down from a jumbo rate of 5.16 percent yesterday.

Mortgage Refinance Rates


Adjustable Mortgage Refinance Rates – Conforming Loans


1 year adjustable mortgage refinance rates are averaging 4.63% today, up from an average 1 year loan refinance rates averaged 4.48%.

Current 3 year adjustable refi rates are averaging 4.66%,  an increase from an average mortgage loan refinance rate of 4.51%.

5 year adjustable refinance interest rates are currently averaging 3.98%, up from an mortgage refinance interest rate of 3.97%.

7 year conforming mortgage refinance rates are averaging 4.61%, an increase from an average mortgage refinance rate of 4.42%.

The average 10 year refinance mortgage rates is at 4.89% today, up from an average refinance rate of 4.82%.

Refinance Jumbo Mortgage Rates


The average 1 year jumbo adjustable refinance rate is currently at 5.59%, unchanged from yesterday's average refinance rate.

3 year jumbo adjustable refinance rates are averaging 5.15% today, an increase from an average rate of 5.14%.

The average 5 year jumbo loan refinance interest rate is at 4.65%, up from an average bank refinance rate of 4.63%.

7 year jumbo refinance home loan rates are at 5.50%, up from an average refinance home loan rate of 5.34%.

10 year home refi rates are averaging 5.91%, up from an average 10 year home refinance rate of 5.88%.
 
 
Author: Brian McKay
April 6th, 2010
Posted in: Mortgage Rates