Today’s 30-year mortgage rates

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Bankrate's lowest 30-year rates for July 31, 2021

Today's national 30-year mortgage rate trends

For today, Friday, July 30, 2021, the average APR for the benchmark 30-year fixed mortgage is 3.25%, unchanged from a week ago. If you're looking to refinance your current mortgage, the national average 30-year fixed refinance APR is 3.18%, an increase of 1 basis point from a week ago.

Whether you're buying or refinancing, Bankrate often has offers well below the national average to help you finance your home for less. Find and compare rates here, then click "Next" to get started in finding your personalized quotes.

We’ve determined the national averages for mortgage and refinance rates from our most recent survey of the nation’s largest mortgage lenders. Our own mortgage and refinance rates are calculated at the close of the business day, and include annual percentage rates and/or annual percentage yields. The rate averages tend to be volatile, and are intended to help consumers identify day-to-day movement.

Note: The rates quoted above are Bankrate's overnight average rates, which are collected from some of the nation's top lenders after the close of each business day. These averages tend to be volatile, but help consumers see the movement of rates day to day.

Here's how it works:

We've helped millions find a mortgage

Founded in 1976, Bankrate has a long track record of helping people make smart financial decisions. Along your homebuying journey, we'll pinpoint your best mortgage offers and provide next steps — all while protecting your privacy, personal information and credit score.

The trusted name in personal finance

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Our editorial integrity

Our goal is to give you the best advice to help you make smart financial decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers, so while this post may contain references to products from our partners, our commitment to editorial integrity ensures you can trust that you’re getting credible and dependable information. Here's an explanation for how we make money.

Today’s 30-year mortgage rates

Written by Zach Wichter
Reviewed by Greg McBride, CFA

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money.

By Zach Wichter, Reviewed by Greg McBride, CFA

On , the national average 30-year fixed mortgage APR is 3.220%. The average 30-year refinance APR is 3.160%, according to Bankrate’s latest survey of the nation’s largest mortgage lenders.

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money.

Today's national 30-year mortgage rate trends

For today, Friday, July 30, 2021, the average APR for the benchmark 30-year fixed mortgage is 3.25%, unchanged from a week ago. If you're looking to refinance your current mortgage, the national average 30-year fixed refinance APR is 3.18%, an increase of 1 basis point from a week ago.

Whether you're buying or refinancing, Bankrate often has offers well below the national average to help you finance your home for less. Find and compare rates here, then click "Next" to get started in finding your personalized quotes.

We’ve determined the national averages for mortgage and refinance rates from our most recent survey of the nation’s largest mortgage lenders. Our own mortgage and refinance rates are calculated at the close of the business day, and include annual percentage rates and/or annual percentage yields. The rate averages tend to be volatile, and are intended to help consumers identify day-to-day movement.

Note: The rates quoted above are Bankrate's overnight average rates, which are collected from some of the nation's top lenders after the close of each business day. These averages tend to be volatile, but help consumers see the movement of rates day to day.

About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our "Advertisers"). Other lenders' terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a "Next" button that can be used to click-through to the Advertiser's own website or a phone number for the Advertiser.

Availability of Advertised Terms: Each Advertiser is responsible for the accuracy and availability of its own advertised terms. Bankrate cannot guaranty the accuracy or availability of any loan term shown above. However, Bankrate attempts to verify the accuracy and availability of the advertised terms through its quality assurance process and requires Advertisers to agree to our Terms and Conditions and to adhere to our Quality Control Program. Click here for rate criteria by loan product.

Loan Terms for Bankrate.com Customers: Advertisers may have different loan terms on their own website from those advertised through Bankrate.com. To receive the Bankrate.com rate, you must identify yourself to the Advertiser as a Bankrate.com customer. This will typically be done by phone so you should look for the Advertisers phone number when you click-through to their website. In addition, credit unions may require membership.

Loans Above $548,250 May Have Different Loan Terms: If you are seeking a loan for more than $548,250, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount.

Taxes and Insurance Excluded from Loan Terms: The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.

Consumer Satisfaction: If you have used Bankrate.com and have not received the advertised loan terms or otherwise been dissatisfied with your experience with any Advertiser, we want to hear from you. Please click here to provide your comments to Bankrate Quality Control.

Today's national 30-year mortgage rate trends

For today, Friday, July 30, 2021, the average APR for the benchmark 30-year fixed mortgage is 3.25%, unchanged from a week ago. If you're looking to refinance your current mortgage, the national average 30-year fixed refinance APR is 3.18%, an increase of 1 basis point from a week ago.

Whether you're buying or refinancing, Bankrate often has offers well below the national average to help you finance your home for less. Find and compare rates here, then click "Next" to get started in finding your personalized quotes.

We’ve determined the national averages for mortgage and refinance rates from our most recent survey of the nation’s largest mortgage lenders. Our own mortgage and refinance rates are calculated at the close of the business day, and include annual percentage rates and/or annual percentage yields. The rate averages tend to be volatile, and are intended to help consumers identify day-to-day movement.

Note: The rates quoted above are Bankrate's overnight average rates, which are collected from some of the nation's top lenders after the close of each business day. These averages tend to be volatile, but help consumers see the movement of rates day to day.

Here's how it works:

We've helped millions find a mortgage

Founded in 1976, Bankrate has a long track record of helping people make smart financial decisions. Along your homebuying journey, we'll pinpoint your best mortgage offers and provide next steps — all while protecting your privacy, personal information and credit score.

The trusted name in personal finance

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Our editorial integrity

Our goal is to give you the best advice to help you make smart financial decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers, so while this post may contain references to products from our partners, our commitment to editorial integrity ensures you can trust that you’re getting credible and dependable information. Here's an explanation for how we make money.

Today's 30-year mortgage rates

Lenders nationwide provide weekday mortgage rates to our comprehensive national survey to bring you the most current rates available. Here you can see the latest marketplace average rates for a wide variety of purchase loans. The interest rate table below is updated daily to give you the most current purchase rates when choosing a home loan. APRs and rates are based on no existing relationship or automatic payments. For these averages, the customer profile includes a 740 FICO score and a single family residence. To learn more, see understanding Bankrate rate averages.

Product Interest Rate APR
30-Year Fixed Rate 2.980% 3.220%
30-Year Fixed-Rate VA 2.620% 2.830%
20-Year Fixed Rate 2.830% 3.050%
15-Year Fixed Rate 2.280% 2.610%
7/1 ARM 3.020% 3.750%
5/1 ARM 2.800% 3.920%
10/1 ARM 3.280% 3.900%
30-Year Fixed-Rate FHA 2.590% 3.480%
30-Year Fixed-Rate Jumbo 2.990% 3.120%
15-Year Fixed-Rate Jumbo 2.280% 2.370%
7/1 ARM Jumbo 3.200% 3.550%
5/1 ARM Jumbo 2.850% 3.530%

Top 5 Bankrate 30-year mortgage lenders

  • Better.com – Best online lender
  • AmeriSave Mortgage Corporation – Best for refinancing
  • Zillow Home Loans – Best for first-time homebuyers
  • Cardinal Financial Company – Best for low-credit score borrowers
  • Homeside Financial (Lower) – Best overall

Methodology

Bankrate helps thousands of borrowers find mortgage and refinance lenders every day. To determine the top mortgage lenders, we analyzed proprietary data across more than 150 lenders to assess which on our platform received the most leads within a three-month period. We then assigned superlatives based on factors such as fees, products offered, convenience and other criteria. These top lenders are updated regularly.

Better.com – Best online lender

Better.com (Better Mortgage) is an online mortgage lender, available in the majority of states in the U.S., and one of Bankrate’s best mortgage lenders overall.

Strengths: Better.com can preapprove you in as little as three minutes, and closings take, on average, just 21 days. The lender doesn’t charge fees, and its proprietary technology automatically applies other discounts, too, if you’re eligible. Since Better is completely digital, you can get the process started anytime online, and have access to support 24/7.

Weaknesses: If you’re interested in a VA or USDA loan, you’ll need to shop elsewhere, as Better doesn’t offer these types of mortgages at this time. The lender doesn’t maintain branch locations, either, if you’d prefer an in-person experience.

Read Bankrate's Better.com mortgage review

AmeriSave Mortgage Corporation – Best for refinancing

AmeriSave Mortgage Corporation is an online mortgage lender operating in every state except New York. The lender offers a range of purchase and refinance options, and was named one of Bankrate’s best FHA lenders this year.

Strengths: If you’re looking to take out a 30-year mortgage (either to buy a home or refinance your current loan), AmeriSave Mortgage Corporation can offer competitive rates and fast closings. In fact, 50 percent of borrowers have closed in as little as 25 days, according to the lender.

Weaknesses: There’s a $500 non-refundable application fee.

Read Bankrate's AmeriSave Mortgage Corporation review

Zillow Home Loans – Best for first-time homebuyers

Zillow Home Loans, the mortgage lender affiliated with Zillow Group, offers resources for first-time homebuyers related to everything from budget to documents needed. The lender is licensed in most states, but not all, so check before applying.

Strengths: Zillow Home Loans has an A+ rating from the Better Business Bureau, and if you’re checking out properties through Zillow Offers or working with a Zillow Premier Agent, you could potentially save money on your 30-year mortgage through the lender.

Weaknesses: Zillow Home Loans doesn’t advertise rates on its website, and doesn’t offer jumbo loans or USDA loans.

Read Bankrate's Zillow Home Loans review

Cardinal Financial Company – Best for low-credit score borrowers

Cardinal Financial Company, also doing business as Sebonic Financial, is licensed in all 50 states, with both in-person and online service.

Strengths: Cardinal Financial can accept credit scores as low as 620 for a conventional loan, 580 for an FHA or USDA loan, 550 for a VA loan and 660 for a jumbo loan. The lender has closed in as little as one week, although the average timeframe is 30 days.

Weaknesses: If you’re looking for interest rate and fee information, you’ll have to inquire directly with the lender; this information isn’t showcased on Cardinal Financial’s website.

Read Bankrate's Cardinal Financial Company mortgage review

Homeside Financial (Lower) – Best overall

Homeside Financial, which also does business as Lower (or Lower.com), offers 30-year mortgages and other types of loans in 42 states and Washington, D.C. It has closed more than 34,000 mortgages and funded more than $7 billion in loans to date.

Strengths: Homeside Financial offers not only conventional and jumbo loans but also FHA, VA and USDA loans. The lender has options for seamless communication throughout the process, either by call, email or text, if you have questions about your 30-year mortgage.

Weaknesses: Homeside Financial isn’t available in all 50 states at this time, and it can be tricky to find mortgage rates advertised on its website — you’ll have to contact the lender directly for current rates. (If you’re browsing Lower.com, however, you might be able to see daily rates.)

30-year mortgage FAQ

Other mortgage tools:

Written by: Zach Wichter, mortgage reporter for Bankrate

Zach Wichter is a mortgage reporter at Bankrate. He previously worked on the Business desk at The New York Times where he won a Loeb Award for breaking news, and covered aviation for The Points Guy.

Read more from Zach Wichter

Reviewed by: Greg McBride, chief financial analyst for Bankrate

Greg McBride, CFA, is Senior Vice President, Chief Financial Analyst, for Bankrate.com. He leads a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience.

Read more from Greg McBride

Learn more about specific loan type rates
Loan Type Purchase Rates Refinance Rates
The table above links out to loan-specific content to help you learn more about rates by loan type.
30-Year Loan 30-Year Mortgage Rates 30-Year Refinance Rates
20-Year Loan 20-Year Mortgage Rates 20-Year Refinance Rates
15-Year Loan 15-Year Mortgage Rates 15-Year Refinance Rates
10-Year Loan 10-Year Mortgage Rates 10-Year Refinance Rates
FHA Loan FHA Mortgage Rates FHA Refinance Rates
30-Year FHA Loan 30-Year FHA Loan Rates 30-Year FHA Refinance Rates
VA Loan VA Mortgage Rates VA Refinance Rates
ARM Loan ARM Mortgage Rates ARM Refinance Rates
5/1 ARM 5/1 ARM Rates 5/1 Refinance Rates
7/1 ARM 7/1 ARM Rates 7/1 Refinance Rates
10/1 ARM 10/1 ARM Rates 10/1 Refinance Rates
Jumbo Loan Jumbo Mortgage Rates Jumbo Refinance Rates
30-Year Jumbo Loan 30-Year Jumbo Loan Rates 30-Year Jumbo Refinance Rates

Calculators