30-year ARM mortgage rates — United States
5.94%
Estimated median purchase rate · P25–P75 5.49%–6.33%
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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.
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- 8,197
- Evidence
- Strong evidenceBased on 8,197 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $6,000
- As of
- 2025-07-14
5.92%
Estimated median refinance rate · P25–P75 5.56%–6.45%
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
- 2,837
- Evidence
- Strong evidenceBased on 2,837 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $3,330
- As of
- 2025-07-14
7.51%
Estimated median cash-out refinance rate · P25–P75 6.08%–8.07%
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
- 1,711
- Evidence
- Strong evidenceBased on 1,711 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $3,680
- 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.