Updated: August 10, 2026
MFP’s Community Home Purchase Mortgage Rates Survey provides a transparent look at real mortgage rates reported by homeowners nationwide. These rates reflect actual APRs received by members, broken down by credit score, lender type, and loan product.
The survey draws from 155,083 homeowners nationwide who recently requested a quote or quotes, or closed a home mortgage, covering credit unions, banks, and online lenders across all major products.
National Average Rates by Score & Lender Type
| Credit Score | |||
|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | |
| Nationally | 7.42% | 7.47% | 7.52% |
| Credit Unions | 7.02% | 7.07% | 7.22% |
| Online lenders | 7.12% | 7.17% | 7.32% |
| Banks | 7.42% | 7.47% | 7.52% |
| 30 year fixed rate | 7.42% | 7.47% | 7.52% |
| 30 year fixed rate FHA | 6.10% | 6.15% | 6.20% |
| 30 year fixed rate VA | 7.34% | 7.39% | 7.44% |
| 30 year fixed Jumbo | 7.65% | 8.03% | 8.22% |
| 20 year fixed rate | 7.39% | 7.44% | 7.49% |
| 15 year fixed rate | 6.69% | 6.74% | 6.79% |
| 10 year fixed rate | 6.85% | 6.90% | 6.95% |
| 10 year ARM | 7.44% | 7.49% | 7.54% |
| 7 year ARM | 6.81% | 6.86% | 6.91% |
| 5 year ARM | 7.10% | 7.15% | 7.20% |
| 3 year ARM | 7.47% | 7.52% | 7.57% |
| 30 Year Purchase Rates by State | |||
| Alabama | 7.47% | 7.52% | 7.57% |
| Alaska | 6.74% | 6.79% | 6.84% |
| Arizona | 7.43% | 7.48% | 7.53% |
| Arkansas | 6.96% | 7.01% | 7.06% |
| California | 7.27% | 7.32% | 7.37% |
| Colorado | 7.36% | 7.41% | 7.46% |
| Connecticut | 7.53% | 7.58% | 7.63% |
| Delaware | 7.48% | 7.53% | 7.58% |
| Florida | 7.30% | 7.35% | 7.40% |
| Georgia | 7.39% | 7.44% | 7.49% |
| Hawaii | 6.93% | 6.98% | 7.03% |
| Idaho | 7.37% | 7.42% | 7.47% |
| Illinois | 7.34% | 7.39% | 7.44% |
| Indiana | 7.31% | 7.36% | 7.41% |
| Iowa | 7.48% | 7.53% | 7.58% |
| Kansas | 7.46% | 7.51% | 7.56% |
| Kentucky | 7.21% | 7.26% | 7.31% |
| Louisiana | 7.23% | 7.28% | 7.33% |
| Maine | 7.48% | 7.53% | 7.58% |
| Maryland | 7.40% | 7.45% | 7.50% |
| Massachusetts | 7.48% | 7.53% | 7.58% |
| Michigan | 7.54% | 7.59% | 7.64% |
| Minnesota | 7.58% | 7.63% | 7.68% |
| Mississippi | 7.32% | 7.37% | 7.42% |
| Missouri | 7.49% | 7.54% | 7.59% |
| Montana | 7.12% | 7.17% | 7.22% |
| Nebraska | 7.31% | 7.36% | 7.41% |
| Nevada | 7.43% | 7.48% | 7.53% |
| New Hampshire | 7.27% | 7.32% | 7.37% |
| New Jersey | 7.30% | 7.35% | 7.40% |
| New Mexico | 7.41% | 7.46% | 7.51% |
| New York | 7.26% | 7.31% | 7.36% |
| North Carolina | 7.45% | 7.50% | 7.55% |
| North Dakota | 7.14% | 7.19% | 7.24% |
| Ohio | 7.48% | 7.53% | 7.58% |
| Oklahoma | 7.24% | 7.29% | 7.34% |
| Oregon | 7.38% | 7.43% | 7.48% |
| Pennsylvania | 7.29% | 7.34% | 7.39% |
| Rhode Island | 7.57% | 7.62% | 7.67% |
| South Carolina | 7.21% | 7.26% | 7.31% |
| South Dakota | 7.52% | 7.57% | 7.62% |
| Tennessee | 7.58% | 7.63% | 7.68% |
| Texas | 7.40% | 7.45% | 7.50% |
| Utah | 7.10% | 7.15% | 7.20% |
| Vermont | 7.22% | 7.27% | 7.32% |
| Virginia | 7.25% | 7.30% | 7.35% |
| Washington | 7.46% | 7.51% | 7.56% |
| West Virginia | 7.22% | 7.27% | 7.32% |
| Wisconsin | 7.52% | 7.57% | 7.62% |
| Wyoming | 7.29% | 7.34% | 7.39% |
Source: MFP’s Community Home Purchase Rates Survey of 154,041 members in the last 30 days. Note: Since some members get more than one product quotes the total product sample is higher than users samples.
Average Mortgage Rates by State
You can also find the same real self reported rates at the states level. You’ll find rates by lenders (credit unions, banks and online lenders) and by credit scores for all main new loan mortgage products.
Survey Methodology
The MFP Mortgage Rates Survey reflects rates collected from homeowners in every state who shopped for a new home mortgage in the last 30 days. The survey is conducted on an ongoing basis among MFP users who request home loan(s) quotes.
When homeowners indicate they have requested one or more quotes, they are invited to share the rates and fees quote(s) they received. They’re also invited to complete a short survey about their comparison and quote experience. Once they finalize a mortgage with a specific lender, they are invited to complete a follow-up survey that captures more detailed feedback about their lender selection, closing experience, satisfaction, and post-closing support. This later survey is part of the MFP Mortgage Lenders Survey
- Survey Scope: Responses collected in the last 30 days from 159,837 homeowners nationwide who recently purchased a home.
- Self-Reported Data: Homeowners reported the mortgage rates they received from lenders; no independent verification beyond user submission (except for entries clearly out of reasonable range).
- Breakdowns: Rates are presented by credit score ranges, lender type, and loan products (30-year fixed, 15-year fixed, ARMs, FHA, VA, etc.).