15-Year Fixed Mortgage Rates
Track daily mortgage rates and find the best lender for your new home.
15-Year Fixed Mortgage Rates
National Average
Data source: Federal Reserve Bank of St. Louis (FRED).
Last updated: January 15, 2026
Personalize Rates
Rates shown are national averages. State-level personalization is not yet available.*
Historical Rates (Past 12 Weeks)
15-Year Fixed Rate Mortgage
APR RANGE
5.3% – 6.8%
AMOUNT
$75,000 – $3,000,000
TERM TYPE
15Y FIXED
CREDIT SCORE
640
15-Year Fixed Rate Mortgage
Member FDIC
APR RANGE
5.3% – 6.9%
AMOUNT
$75,000 – $3,000,000
TERM TYPE
15Y FIXED
CREDIT SCORE
640
15-Year Fixed Rate Mortgage
APR RANGE
5.4% – 6.7%
AMOUNT
$75,000 – $5,000,000
TERM TYPE
15Y FIXED
CREDIT SCORE
640
15-Year Fixed Rate Mortgage
APR RANGE
5.4% – 7%
AMOUNT
$100,000 – $2,000,000
TERM TYPE
15Y FIXED
CREDIT SCORE
660
15-Year Fixed Rate Mortgage
APR RANGE
5.4% – 6.9%
AMOUNT
$75,000 – $2,000,000
TERM TYPE
15Y FIXED
CREDIT SCORE
640
15-Year Fixed Rate Mortgage
APR RANGE
5.4% – 6.9%
AMOUNT
$100,000 – $2,500,000
TERM TYPE
15Y FIXED
CREDIT SCORE
640
15-Year Fixed Rate Mortgage
Member FDIC
APR RANGE
5.4% – 6.8%
AMOUNT
$100,000 – $2,000,000
TERM TYPE
15Y FIXED
CREDIT SCORE
660
15-Year Fixed Rate Mortgage
APR RANGE
5.5% – 7.1%
AMOUNT
$75,000 – $3,000,000
TERM TYPE
15Y FIXED
CREDIT SCORE
620
15-Year Fixed Rate Mortgage
Member FDIC
APR RANGE
5.5% – 7%
AMOUNT
$75,000 – $2,500,000
TERM TYPE
15Y FIXED
CREDIT SCORE
660
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