Current loan rates

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Current loan rates

July 13th, 2025 by Samee Foster

AI Overview
Current mortgage rates for a 30-year fixed loan are around 6.75%, while 15-year fixed loans are around 5.75%. However, rates can vary based on loan type (e.g., FHA, VA, Jumbo) and lender. For example, Bank of America's current refinance rates for a 30-year fixed loan are 6.75% with an APR of 6.939%, while their 15-year fixed refinance rate is 5.75% with an APR of 6.081% according to Bank of America.

Here's a more detailed breakdown:

30-Year Fixed:

National average: Around 6.75% according to Bankrate.
Bank of America: 6.75% (APR 6.939%) according to Bank of America.

Wells Fargo: 6.75% (APR 6.893%) according to wellsfargo.com.

15-Year Fixed:

National average: Around 5.75% according to Bankrate.

Bank of America: 5.75% (APR 6.081%) according to Bank of America.

Other Loan Types:

20-year fixed: 6.625% (APR 6.860%) according to Bank of America.

10-year ARM: 6.625% (APR 6.991%) according to Bank of America.

7-year ARM: 6.375% (APR 6.928%) according to Bank of America.

5-year ARM: 6.375% (APR 7.019%) according to Bank of America.

Important Notes:

APR vs. Interest Rate:
.
The Annual Percentage Rate (APR) reflects the total cost of borrowing, including interest and other fees.

Points:
.
Some lenders offer lower interest rates in exchange for paying points (a percentage of the loan amount) upfront.

Loan Type:
.
Different loan types (FHA, VA, Jumbo) will have different rates.

Lender:
.
Rates can vary significantly between lenders, so it's crucial to compare offers.

Categories: Uncategorized

Current loan rates

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