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 September 30, 2026
Today's State Refinance Rate Snapshot
| State | 30yr rate | APR | Points | Guide |
|---|---|---|---|---|
| Alabama | 7.250% | 7.286% | 0.01 | Alabama guide |
| Florida | 7.250% | 7.273% | -0.11 | Florida guide |
| Georgia | 7.250% | 7.278% | -0.07 | Georgia guide |
| Kentucky | 7.250% | 7.279% | -0.06 | Kentucky guide |
| North Carolina | 7.250% | 7.282% | -0.03 | North Carolina guide |
| Oregon | 7.250% | 7.295% | 0.10 | Oregon guide |
| South Carolina | 7.250% | 7.283% | -0.01 | South Carolina guide |
| Tennessee | 7.250% | 7.284% | 0.00 | Tennessee guide |
| Texas | 7.250% | 7.264% | -0.21 | Texas guide |
| Utah | 7.250% | 7.289% | 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: September 30, 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.