Current Mortgage Rates

Rates Updated: 1/27/2023 10:32:30 AM

Type of Loan Rate % Points APR %
Conforming 30-year Fixed 6.250 0.750 5.981
FHA 30-year Fixed 5.250 0.875 7.267
Conforming 15-year Fixed 4.750 1.000 4.960

The Annual Percentage Rate, or APR, is the cost of your credit expressed as an annual rate. Because you may be paying closing costs, also known as prepaid finance charges (origination fee, discount points, mortgage insurance, interest), the APR on the disclosure is often higher than the interest rate on your loan. This APR can be compared to the APR of other loan programs to give you a consistent means of comparing rates and programs.


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