Today's Mortgage Rates
Static examples are shown while automated rate updates are paused. Email Chestnut for current options.
Conventional 30-Year Fixed
Sorted by interest rate, lowest to highest. Rates calculated based on one discount point being paid.
🏆 Chestnut
Interest Rate: 5.482%
APR: 5.560%
Guaranteed Rate
Interest Rate: 5.872%
APR: 6.143%
US Bank
Interest Rate: 5.873%
APR: 6.047%
Chase
Interest Rate: 5.875%
APR: 5.980%
Truist
Interest Rate: 5.875%
APR: 6.067%
Citi
Interest Rate: 5.906%
APR: 6.080%
Better
Interest Rate: 6.055%
APR: 6.262%
Wells Fargo
Interest Rate: 6.075%
APR: 6.237%
Bank of America
Interest Rate: 6.089%
APR: 6.267%
Citizens
Interest Rate: 6.125%
APR: 6.224%
New American Funding
Interest Rate: 6.250%
APR: 6.554%
Mutual of Omaha
Interest Rate: 6.625%
APR: 6.719%
How Mortgage Rates Work
Two things determine your rate: the market and your financial profile. You can't control the first, but you can strengthen the second. Here's what matters.
Market Factors You Cannot Control
- ✓Federal Reserve policy and the federal funds rate
- ✓Inflation expectations and economic data
- ✓Bond market activity (10-year Treasury yield)
- ✓Housing market supply and demand
Personal Factors You Can Improve
- ✓Credit score (higher score = lower rate)
- ✓Down payment size (more down = lower rate)
- ✓Debt-to-income ratio
- ✓Loan term (15-year rates are lower than 30-year)
One more factor: your lender. Chestnut's AI cuts rates ~0.5% below traditional lenders.
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