Daily-fresh snapshots
Mortgage Refinance Rate Snapshots by State
Compare today's 30-year fixed mortgage refinance rate and APR for your state, generated from live wholesale pricing and refreshed multiple times a day. Every number comes with its full assumptions, listed right below the table.
Rates as of October 15, 2026
Today's State Refinance Rate Snapshot
| State | 30yr rate | APR | Points | Guide |
|---|---|---|---|---|
| Alabama | 7.000% | 7.035% | 0.01 | Alabama guide |
| Florida | 6.990% | 7.015% | -0.09 | Florida guide |
| Georgia | 6.990% | 7.021% | -0.03 | Georgia guide |
| Kentucky | 6.990% | 7.021% | -0.03 | Kentucky guide |
| North Carolina | 6.990% | 7.025% | 0.00 | North Carolina guide |
| Oregon | 7.000% | 7.043% | 0.09 | Oregon guide |
| South Carolina | 7.000% | 7.032% | -0.02 | South Carolina guide |
| Tennessee | 7.000% | 7.033% | -0.01 | Tennessee guide |
| Texas | 6.990% | 7.005% | -0.19 | Texas guide |
| Utah | 7.000% | 7.038% | 0.04 | Utah guide |
Snapshot assumptions
Conventional refinance; 30-year fixed; $400,000 loan amount; 75% loan-to-value; 740 credit score; single-family home; primary residence; date generated: October 15, 2026.
Points are a cost you pay at closing for the rate shown, as a percent of the loan amount. A negative number means a lender credit that lowers your closing costs.
Estimates are based on the stated assumptions. Rates change without notice. This is not a commitment to lend or an offer of credit. Your rate depends on your scenario.