20-year Conventional mortgage rates — United States
6.12%
Estimated median purchase rate · P25–P75 5.79%–6.54%
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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
- 962
- Typical closing costs
- $6,260
- As of
- 2026-09-07
5.75%
Estimated median refinance rate · P25–P75 5.49%–6.03%
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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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- 2,489
- Typical closing costs
- $2,890
- As of
- 2026-09-07
6.47%
Estimated median cash-out refinance rate · P25–P75 5.99%–7.00%
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
- 484
- Typical closing costs
- $4,120
- As of
- 2026-09-07
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.