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Compare Mortgage & Loan Rates
Across All 50 States

Rate data from lenders nationwide — updated weekly. Compare state-by-state, explore second mortgage options, and run the numbers with our free calculators.

6.51%30-yr Fixed 5.85%15-yr Fixed
6.5%5/1 ARM
6.32%FHA 30-yr 6.62%VA 30-yr
National averages · Freddie Mac PMMS · Updated weekly  ·  Refinance rates
Updated Weekly Fresh
Primary mortgage rates sourced from Freddie Mac PMMS every Thursday. HELOC and home equity rates updated monthly from Curinos.
All 50 States
State-specific rate data for every US state — because mortgage rates and market conditions vary significantly by location.
Second Mortgages Included
HELOC and home equity loan rates alongside primary mortgage rates. Compare every borrowing option in one place.
No Lender Bias
We are not a lender. No loan applications, no commissions, no sponsored rates. Pure comparison data and free calculators.
Second Mortgage & Home Equity Rates
Tap your equity without replacing your existing mortgage — updated monthly from Curinos
7.21%HELOC (variable)Avg APR · Curinos
7.36%Home Equity LoanFixed APR · Curinos
6.75%Prime RateCurrent benchmark
80–90%Max CLTVTypical lender limit
HELOC Rates — All 50 StatesVariable rates by state + borrowing calculator Home Equity Loan Rates — All 50 StatesFixed second mortgage rates + payment calculator HELOC vs Home Equity Loan CalculatorSide-by-side with 3 Fed rate scenarios Cash-Out Refi vs HELOC CalculatorCritical if you have a low existing mortgage rate
Mortgage Rates by State
Alabama6.54% APRCheck AL rates › Alaska6.6% APRCheck AK rates › Arizona6.53% APRCheck AZ rates › Arkansas6.43% APRCheck AR rates › California6.65% APRCheck CA rates › Colorado6.6% APRCheck CO rates › Connecticut6.67% APRCheck CT rates › Delaware6.57% APRCheck DE rates › Florida6.45% APRCheck FL rates › Georgia6.5% APRCheck GA rates › Hawaii6.85% APRCheck HI rates › Idaho6.55% APRCheck ID rates › Illinois6.55% APRCheck IL rates › Indiana6.46% APRCheck IN rates › Iowa6.45% APRCheck IA rates › Kansas6.46% APRCheck KS rates › Kentucky6.44% APRCheck KY rates › Louisiana6.52% APRCheck LA rates › Maine6.6% APRCheck ME rates › Maryland6.65% APRCheck MD rates › Massachusetts6.7% APRCheck MA rates › Michigan6.5% APRCheck MI rates › Minnesota6.52% APRCheck MN rates › Mississippi6.44% APRCheck MS rates › Missouri6.48% APRCheck MO rates › Montana6.57% APRCheck MT rates › Nebraska6.46% APRCheck NE rates › Nevada6.52% APRCheck NV rates › New Hampshire6.62% APRCheck NH rates › New Jersey6.68% APRCheck NJ rates › New Mexico6.5% APRCheck NM rates › New York6.72% APRCheck NY rates › North Carolina6.48% APRCheck NC rates › North Dakota6.46% APRCheck ND rates › Ohio6.48% APRCheck OH rates › Oklahoma6.47% APRCheck OK rates › Oregon6.63% APRCheck OR rates › Pennsylvania6.55% APRCheck PA rates › Rhode Island6.65% APRCheck RI rates › South Carolina6.46% APRCheck SC rates › South Dakota6.47% APRCheck SD rates › Tennessee6.47% APRCheck TN rates › Texas6.58% APRCheck TX rates › Utah6.58% APRCheck UT rates › Vermont6.63% APRCheck VT rates › Virginia6.58% APRCheck VA rates › Washington6.62% APRCheck WA rates › West Virginia6.45% APRCheck WV rates › Wisconsin6.5% APRCheck WI rates › Wyoming6.55% APRCheck WY rates ›
Compare Rates by Loan Type
30-Year Fixed
6.51% APR
See your state's rate ›
15-Year Fixed
5.85% APR
See your state's rate ›
FHA Loans
6.32% APR
See your state's rate ›
VA Loans
6.62% APR
See your state's rate ›
Refinance Rates
6.77% APR
See your state's rate ›
HELOC Rates
7.21% APR
See your state's rate ›
Home Equity Loans
7.36% APR
See your state's rate ›
Personal Loans
11–24% APR
See your state's rate ›
Mortgage & Investment Calculators

Real Estate vs S&P 500 — Which Builds More Wealth?

Run your numbers and see whether buying property or investing in index funds wins over your time horizon.

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Mortgage Calculator
Monthly payment, total interest, full amortization. Includes tax & insurance for true PITI.
Most used
Rent vs Buy Calculator
Find your exact break-even year with opportunity cost, appreciation & transaction costs.
Most shared
Affordability Calculator
How much house can you qualify for? Uses 28/36 DTI rule with your income and debts.
First-time buyers
DTI Calculator
Will you qualify? Check your debt-to-income ratio against actual lender thresholds.
Qualification check
Closing Cost Calculator
Every closing fee itemized — the number that surprises most first-time buyers.
Often overlooked
Refinance Break-Even
Find the exact month your savings exceed closing costs — based on your numbers.
Rate drop alert
HELOC vs Home Equity Loan
Variable or fixed second mortgage? Models 3 Fed rate scenarios including worst case.
Home equity
PMI Removal Calculator
Putting down less than 20%? See exactly when PMI drops off — with & without appreciation.
Under 20% down
Early Payoff Calculator
How many years do extra payments save? The numbers usually surprise people.
Save thousands
FHA vs Conventional
Which loan type saves more over time? Finds the exact crossover point.
Loan choice
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