20-year ARM mortgage rates — United States
6.99%
Estimated median purchase rate · P25–P75 6.09%–7.49%
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These numbers come from public HMDA filings, which don’t include credit scores — so every median here mixes every credit profile together. Adding your mortgage — anonymously, in under a minute — is the only thing that can break these out by credit band.
Share your rate- Loans in benchmark
- 73
- Evidence
- Strong evidenceBased on 73 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $4,210
- As of
- 2025-07-14
7.41%
Estimated median refinance rate · P25–P75 6.98%–7.72%
Add yours, and we can publish rates by credit score
These numbers come from public HMDA filings, which don’t include credit scores — so every median here mixes every credit profile together. Adding your mortgage — anonymously, in under a minute — is the only thing that can break these out by credit band.
Share your rate- Loans in benchmark
- 95
- Evidence
- Strong evidenceBased on 95 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $7,180
- As of
- 2025-07-14
5.50%
Estimated median cash-out refinance rate · P25–P75 5.49%–6.62%
Add yours, and we can publish rates by credit score
These numbers come from public HMDA filings, which don’t include credit scores — so every median here mixes every credit profile together. Adding your mortgage — anonymously, in under a minute — is the only thing that can break these out by credit band.
Share your rate- Loans in benchmark
- 225
- Evidence
- Strong evidenceBased on 225 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $3,420
- As of
- 2025-07-14
Rate is a points-normalized estimate (each loan adjusted toward its zero-point equivalent using a standard ~0.25%/point buydown assumption), shown alongside typical closing costs so rate and cost are weighed together — a lower rate often comes with higher points or fees. From crowdsourced and public HMDA data, for comparison only. Not an offer, quote, or savings estimate.