Mortgage Rates (Fixed)
Effective Date: Thursday, December 4th, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Fixed Rate Loans Conforming and Government | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year Fixed | 6.375% | 6.565% |
| 20-Year Fixed | 6.000% | 6.247% |
| 15-Year Fixed | 5.750% | 6.058% |
| 30-Year USDA | 6.625% | 7.402% |
| Home Ready | 6.500% | 6.694% |
| 1-Time Construction (Other) | 6.125% | 6.316% |
| 30-Year FHA | 7.000% | 8.086% |
| 30-Year VA | 6.750% | 7.099% |
| Lot loans - Please contact our morgtage department for rates. | ||
Mortgage Rates (Adjustable)
Effective Date: Thursday, December 4th, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Adjustable-Rate Mortgages | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year 1/1 ARM | 5.500% | 5.680% |
| 15-Year 1/1 ARM | 5.375% | 5.680% |
| 30-Year 3/1 ARM | 5.750% | 5.933% |
| 15-Year 3/1 ARM | 5.500% | 5.806% |
| 30-Year 5/1 ARM | 5.875% | 6.059% |
| 15-Year 5/1 ARM | 5.625% | 5.932% |
| 30-Year 5/5 ARM | 6.250% | 6.439% |
| 15-Year 5/5 ARM | 5.750% | 6.058% |
| 30-Year 7/1 ARM | 6.500% | 6.691% |
| 15-Year 7/1 ARM | 5.750% | 6.058% |
Home Equity Rates
Effective Date: Thursday, December 4th, 2025
Subject to change. All rates shown as Annual Percentage Rate (APR).
| Loan | Amount | Annual Percentage Rate (APR) |
|---|---|---|
| Home Equity Loan | $5,000 minimum | As low as 6.74% APR |
| Home Equity Line of Credit* | $5,000 minimum | Prime rate + 0% variable rate with 5.99% floor |
| *Interest rate is adjusted annually. Early closure fee charged equal to closing fees if closed in the first two years. | ||