15-year FHA mortgage rates — United States
5.90%
Estimated median purchase rate · P25–P75 5.62%–6.23%
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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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- 7
- Evidence
- Limited evidenceBased on 7 loans — with this few, one loan can shift the estimate by several hundredths of a percentage point.
- Typical closing costs
- $10,900
- As of
- 2025-07-14
5.92%
Estimated median refinance rate · P25–P75 5.25%–6.02%
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
- 16
- Evidence
- Limited evidenceBased on 16 loans — with this few, one loan can shift the estimate by several hundredths of a percentage point.
- Typical closing costs
- $9,990
- As of
- 2025-07-14
6.13%
Estimated median cash-out refinance rate · P25–P75 5.76%–6.42%
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
- 134
- Evidence
- Strong evidenceBased on 134 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $11,260
- 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.