Today’s mortgage rates
Find mortgage rate by state
How to read our rates
The current mortgage rates listed below assume a few basic things about you, including, you have very good credit (a FICO credit score of 740+) and you're buying a single-family home as your primary residence.
Check out the mortgage rates charts below to find 30-year and 15-year mortgage rates for each of the different mortgage loans U.S. Bank offers. If you decide to purchase mortgage discount points at closing, your interest rate may be lower than the rates shown here. To learn more about rates and to see what you may qualify for, contact a mortgage loan officer.
Conventional fixed-rate mortgages
Learn more about interest rates and APR.1
| Term | Rate | APR |
|---|---|---|
| 30-year fixed | 2.99% | 3.058% |
| 20-year fixed | 2.625% | 2.72% |
| 15-year fixed | 2.125% | 2.247% |
| 10-year fixed | 1.99% | 2.168% |
Adjustable-rate mortgages
Learn more about interest rates and APR.1
| Term | Rate | APR |
|---|---|---|
| 10-year ARM | 2.625% | 2.792% |
| 5-year ARM | 2.375% | 2.771% |
FHA mortgages
Learn more about interest rates and APR.1
| Term | Rate | APR |
|---|---|---|
| 30-year fixed - FHA | 3.25% | 4.31% |
| 15-year fixed - FHA | 3.0% | 4.078% |
VA mortgages
Learn more about interest rates and APR.1
| Term | Rate | APR |
|---|---|---|
| 30-year fixed - VA | 3.125% | 3.376% |
| 15-year fixed - VA | 3.0% | 3.457% |
Jumbo mortgages
Learn more about interest rates and APR.1
| Term | Rate | APR |
|---|---|---|
| 30-year fixed - jumbo | 3.0% | 3.068% |
| 20-year fixed - jumbo | 3.0% | 3.096% |
| 15-year fixed - jumbo | 2.75% | 2.874% |
Contact us now to lock in your rate.
Our trusted mortgage loan officers will work with you to meet your lending needs. U.S. Bank offers competitive products and a proven stability that’s backed by industry-leading financial metrics.
Find a mortgage loan officerMortgage interest rates vs. APR
The Annual Percentage Rate (APR) represents the true yearly cost of your loan. It includes the actual interest you pay to the lender, plus any fees or costs. That’s why a mortgage APR is typically higher than the interest rate – and why it’s such an important number when comparing loan offers.
Learn more about APR and interest rates