Find mortgage rates by state.

These rates, APRs, monthly payments and points are current as of 01/10/2025 and may change at any time. They assume you have a FICO® Score of 740+ and a specific down payment amount as noted below for each product. They also assume the loan is for a single-family home as your primary residence and you will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with a mortgage loan officer to learn more about mortgage points.

Compare a variety of mortgage types by selecting one or more of the following.

Conventional fixed-rate loans

Term
Rate
APR 1
Monthly payment
Points
30-year
7.125%
7.281%
$3,126
0.680
20-year
6.875%
7.108%
$3,562
0.928
15-year
6.375%
6.642%
$4,010
0.806
10-year
6.250%
6.633%
$5,209
0.841
Conventional fixed-rate loans
Term
30-year
Monthly payment
$3,126
Rate
7.125%
APR 1
7.281%
Points
0.680
Term
20-year
Monthly payment
$3,562
Rate
6.875%
APR 1
7.108%
Points
0.928
Term
15-year
Monthly payment
$4,010
Rate
6.375%
APR 1
6.642%
Points
0.806
Term
10-year
Monthly payment
$5,209
Rate
6.250%
APR 1
6.633%
Points
0.841

The rates and monthly payments shown are based on a loan amount of $464,000 and a down payment of at least 25%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example. Get more details.

Conforming adjustable-rate mortgage (ARM) loans

Term
Rate
APR 1
Monthly payment
Points
10/6 mo
7.375%
7.708%
$3,204
2.715
7/6 mo
7.375%
7.553%
$3,204
1.430
Conforming adjustable-rate mortgage (ARM) loans
Term
10/6 mo
Monthly payment
$3,204
Rate
7.375%
APR 1
7.708%
Points
2.715
Term
7/6 mo
Monthly payment
$3,204
Rate
7.375%
APR 1
7.553%
Points
1.430

The rates and monthly payments shown are based on a loan amount of $464,000 and a down payment of at least 25%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see an ARM estimated monthly payment and APR example. Get more details.

Jumbo adjustable-rate mortgage (ARM) loans

Term
Rate
APR 1
Monthly payment
Points
10/1 yr
6.750%
6.967%
$6,096
0.910
7/1 yr
6.625%
6.924%
$6,018
0.960
5/1 yr
6.625%
6.938%
$6,018
0.795
Jumbo adjustable-rate mortgage (ARM) loans
Term
10/1 yr
Monthly payment
$6,096
Rate
6.750%
APR 1
6.967%
Points
0.910
Term
7/1 yr
Monthly payment
$6,018
Rate
6.625%
APR 1
6.924%
Points
0.960
Term
5/1 yr
Monthly payment
$6,018
Rate
6.625%
APR 1
6.938%
Points
0.795

The rates and monthly payments shown are based on a loan amount of $940,000 and a down payment of at least 25%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see an ARM estimated monthly payment and APR example. Get more details.

Federal Housing Administration (FHA) loans

Term
Rate
APR 1
Monthly payment
Points
30-year
6.875%
7.794%
$1,894
0.995
Federal Housing Administration (FHA) loans
Term
30-year
Monthly payment
$1,894
Rate
6.875%
APR 1
7.794%
Points
0.995

The rates and monthly payments shown are based on a loan amount of $270,019 and a down payment of at least 3.5%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see an FHA estimated monthly payment and APR example. Get more details.

Veterans Affairs (VA) loans

Term
Rate
APR 1
Monthly payment
Points
30-year
6.750%
7.108%
$1,749
0.600
Veterans Affairs (VA) loans
Term
30-year
Monthly payment
$1,749
Rate
6.750%
APR 1
7.108%
Points
0.600

The rates and monthly payments shown are based on a loan amount of $270,072 and no down payment. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a VA estimated monthly payment and APR example. Get more details.

Jumbo loans

Term
Rate
APR 1
Monthly payment
Points
30-year
7.250%
7.426%
$6,412
0.865
20-year
7.375%
7.578%
$7,500
0.665
15-year
7.000%
7.290%
$8,448
0.920
Jumbo loans
Term
30-year
Monthly payment
$6,412
Rate
7.250%
APR 1
7.426%
Points
0.865
Term
20-year
Monthly payment
$7,500
Rate
7.375%
APR 1
7.578%
Points
0.665
Term
15-year
Monthly payment
$8,448
Rate
7.000%
APR 1
7.290%
Points
0.920

The rates and monthly payments shown are based on a loan amount of $940,000 and a down payment of at least 25%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a jumbo estimated monthly payment and APR example. Get more details.

Need help choosing the right mortgage option?

If you’re shopping for a home mortgage but aren’t sure about your options, it may be time to find a mortgage loan officer. A mortgage loan officer can offer you guidance on choosing the right loan for your specific needs.

Living in the Keystone State

Whatever your interest, Pennsylvania has something to offer, from the professional sports scene in cities like Philadelphia and Pittsburgh to the stunning natural beauty of the Poconos and Allegheny National Forest.

Pennsylvania first-time homebuyer programs

First-time homebuyer assistance programs in Pennsylvania and across the U.S. offer loans, grants, tax credits and down payment assistance. But availability and qualification requirements can vary. Contact your U.S. Bank mortgage loan officer for more information about programs available in Pennsylvania.

Find a mortgage loan officer in Pennsylvania.

Our local mortgage loan officers understand the specifics of the Pennsylvania market. Let us help you navigate the home-buying process, so you can focus on finding your dream home.

Ready to buy the home you love?

Step 1

Get prequalified for a basic estimate of what you may be able to borrow.

Step 2

Start your application if you’ve found a home you love.

Get answers to frequently asked questions about mortgage rates.

Start of disclosure content

Disclosures

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.

  1. Footnote 1

    Annual percentage rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

    Return to content, Footnote 1

The rates shown above are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

To lock a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. An application can be made by calling 855-332-5174, by starting it online or by meeting with a mortgage loan officer.

Minnesota properties: To guarantee a rate, you must receive written confirmation as required by Minnesota Statute 47.206. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.