15-year FHA mortgage rates — United States
6.00%
Estimated median purchase rate · P25–P75 5.72%–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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- 7
- Typical closing costs
- $10,900
- As of
- 2026-09-07
6.02%
Estimated median refinance rate · P25–P75 5.35%–6.12%
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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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- 16
- Typical closing costs
- $9,990
- As of
- 2026-09-07
6.23%
Estimated median cash-out refinance rate · P25–P75 5.86%–6.52%
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
- Typical closing costs
- $11,260
- 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.