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Lowest advertised mortgage rate: 5.880% APR

140 offers from 3 institutions · Advertised mortgage rates and APRs as the lender publishes them, lowest first.

Lowest APR

5.880%

Randolph-Brooks Federal Credit Union

Jumbo ARM (5/5) · 360 months · 1.000 points · loans over $832,750

recorded 2026-11-01 · source ↗

140 offers3 institutionsmedian 7.12%

Spread of recorded rates

Jump to: 4 years · 5 years · 7 years · 8 years · 10 years · 11 years · 12 years · 15 years · 20 years · 30 years · No fixed term

4 years lowest 8.329% · 6 offers

01

Randolph-Brooks Federal Credit Union

Home Improvement

Mortgages · 48 months · 1.000 points · View at bank ↗

8.329 % APRrecorded 2026-11-01

02

Randolph-Brooks Federal Credit Union

Home Improvement

Mortgages · 48 months · 0.500 points · View at bank ↗

8.429 % APRrecorded 2026-11-01

03

Randolph-Brooks Federal Credit Union

Home Improvement

Mortgages · 48 months · no points · View at bank ↗

8.529 % APRrecorded 2026-11-01

04

Randolph-Brooks Federal Credit Union

Land

Mortgages · 48 months · no points · rate based on 80% LTV · View at bank ↗

8.640 % APRrecorded 2026-11-01

05

Randolph-Brooks Federal Credit Union

Land

Mortgages · 48 months · 0.500 points · rate based on 80% LTV · View at bank ↗

8.777 % APRrecorded 2026-11-01

06

Randolph-Brooks Federal Credit Union

Land

Mortgages · 48 months · 1.000 points · rate based on 80% LTV · View at bank ↗

8.916 % APRrecorded 2026-11-01

5 years lowest 5.950% · 3 offers

01

Randolph-Brooks Federal Credit Union

Promo Refinance

Mortgages · 60 months · no points · View at bank ↗

5.950 % APRrecorded 2026-11-01

02

Randolph-Brooks Federal Credit Union

Promo Refinance

Mortgages · 60 months · 0.500 points · View at bank ↗

6.032 % APRrecorded 2026-11-01

03

Randolph-Brooks Federal Credit Union

Promo Refinance

Mortgages · 60 months · 1.000 points · View at bank ↗

6.116 % APRrecorded 2026-11-01

7 years lowest 6.271% · 12 offers

01

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 84 months · no points · fixed · View at bank ↗

6.271 % APRrecorded 2026-11-01

02

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 84 months · 0.500 points · fixed · View at bank ↗

6.299 % APRrecorded 2026-11-01

03

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 84 months · 1.000 points · fixed · View at bank ↗

6.328 % APRrecorded 2026-11-01

04

Randolph-Brooks Federal Credit Union

Investment Property

Mortgages · 84 months · no points · View at bank ↗

7.162 % APRrecorded 2026-11-01

05

Randolph-Brooks Federal Credit Union

Investment Property

Mortgages · 84 months · 0.500 points · View at bank ↗

7.192 % APRrecorded 2026-11-01

06

Randolph-Brooks Federal Credit Union

Investment Property

Mortgages · 84 months · 1.000 points · View at bank ↗

7.222 % APRrecorded 2026-11-01

07

Randolph-Brooks Federal Credit Union

Home Improvement

Mortgages · 84 months · no points · View at bank ↗

8.400 % APRrecorded 2026-11-01

08

Randolph-Brooks Federal Credit Union

Home Improvement

Mortgages · 84 months · 0.500 points · View at bank ↗

8.434 % APRrecorded 2026-11-01

09

Randolph-Brooks Federal Credit Union

Home Improvement

Mortgages · 84 months · 1.000 points · View at bank ↗

8.468 % APRrecorded 2026-11-01

10

Randolph-Brooks Federal Credit Union

Land

Mortgages · 84 months · no points · rate based on 80% LTV · View at bank ↗

8.590 % APRrecorded 2026-11-01

11

Randolph-Brooks Federal Credit Union

Land

Mortgages · 84 months · 0.500 points · rate based on 80% LTV · View at bank ↗

8.622 % APRrecorded 2026-11-01

12

Randolph-Brooks Federal Credit Union

Land

Mortgages · 84 months · 1.000 points · rate based on 80% LTV · View at bank ↗

8.656 % APRrecorded 2026-11-01

8 years lowest 6.089% · 4 offers

01

Randolph-Brooks Federal Credit Union

Promo Refinance

Mortgages · 96 months · no points · View at bank ↗

6.089 % APRrecorded 2026-11-01

02

Randolph-Brooks Federal Credit Union

Promo Refinance

Mortgages · 96 months · 0.500 points · View at bank ↗

6.099 % APRrecorded 2026-11-01

03

Randolph-Brooks Federal Credit Union

Promo Refinance

Mortgages · 96 months · 1.000 points · View at bank ↗

6.109 % APRrecorded 2026-11-01

04

Connexus Credit Union

Mortgage Rapid Refinance

Mortgages · 8-year fixed/Rapid Refi · View at bank ↗

6.667 % APRrecorded 2026-11-01

10 years lowest 6.165% · 28 offers

01

Randolph-Brooks Federal Credit Union

Jumbo Fixed Rate

Mortgages · 120 months · 1.000 points · loans over $832,750 · fixed · View at bank ↗

6.165 % APRrecorded 2026-11-01

02

Randolph-Brooks Federal Credit Union

Jumbo Fixed Rate

Mortgages · 120 months · 0.500 points · loans over $832,750 · fixed · View at bank ↗

6.179 % APRrecorded 2026-11-01

03

Randolph-Brooks Federal Credit Union

Jumbo Fixed Rate

Mortgages · 120 months · no points · loans over $832,750 · fixed · View at bank ↗

6.194 % APRrecorded 2026-11-01

04

Randolph-Brooks Federal Credit Union

Jumbo One-Time Close Construction

Mortgages · 120 months · 1.000 points · loans over $832,750 · rate based on 80% LTV · View at bank ↗

6.220 % APRrecorded 2026-11-01

05

Randolph-Brooks Federal Credit Union

Jumbo One-Time Close Construction

Mortgages · 120 months · 0.500 points · loans over $832,750 · rate based on 80% LTV · View at bank ↗

6.234 % APRrecorded 2026-11-01

06

Randolph-Brooks Federal Credit Union

Jumbo One-Time Close Construction

Mortgages · 120 months · no points · loans over $832,750 · rate based on 80% LTV · View at bank ↗

6.248 % APRrecorded 2026-11-01

07

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 120 months · 1.000 points · fixed · View at bank ↗

6.261 % APRrecorded 2026-11-01

08

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 120 months · 0.500 points · fixed · View at bank ↗

6.275 % APRrecorded 2026-11-01

09

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 120 months · no points · fixed · View at bank ↗

6.289 % APRrecorded 2026-11-01

10

Randolph-Brooks Federal Credit Union

One-Time Close Construction

Mortgages · 120 months · 1.000 points · rate based on 80% LTV · View at bank ↗

6.509 % APRrecorded 2026-11-01

11

Randolph-Brooks Federal Credit Union

One-Time Close Construction

Mortgages · 120 months · 0.500 points · rate based on 80% LTV · View at bank ↗

6.522 % APRrecorded 2026-11-01

12

Randolph-Brooks Federal Credit Union

One-Time Close Construction

Mortgages · 120 months · no points · rate based on 80% LTV · View at bank ↗

6.535 % APRrecorded 2026-11-01

13

Connexus Credit Union

Mortgage Rapid Refinance

Mortgages · 10-year fixed/Rapid Refi · View at bank ↗

6.738 % APRrecorded 2026-11-01

14

Randolph-Brooks Federal Credit Union

100% Conventional Fixed Rate

Mortgages · 120 months · 1.000 points · fixed · View at bank ↗

6.873 % APRrecorded 2026-11-01

15

Randolph-Brooks Federal Credit Union

100% Medical Professional Fixed Rate

Mortgages · 120 months · 1.000 points · fixed · View at bank ↗

6.873 % APRrecorded 2026-11-01

11 years lowest 6.116% · 3 offers

01

Randolph-Brooks Federal Credit Union

Promo Refinance

Mortgages · 132 months · 1.000 points · View at bank ↗

6.116 % APRrecorded 2026-11-01

02

Randolph-Brooks Federal Credit Union

Promo Refinance

Mortgages · 132 months · 0.500 points · View at bank ↗

6.139 % APRrecorded 2026-11-01

03

Randolph-Brooks Federal Credit Union

Promo Refinance

Mortgages · 132 months · no points · View at bank ↗

6.163 % APRrecorded 2026-11-01

12 years lowest 6.818% · 1 offers

01

Connexus Credit Union

Mortgage Rapid Refinance

Mortgages · 12-year fixed/Rapid Refi · View at bank ↗

6.818 % APRrecorded 2026-11-01

15 years lowest 6.377% · 31 offers

01

Randolph-Brooks Federal Credit Union

Jumbo Fixed Rate

Mortgages · 180 months · 1.000 points · loans over $832,750 · fixed · View at bank ↗

6.377 % APRrecorded 2026-11-01

02

Connexus Credit Union

Mortgage Fixed

Mortgages · 15-year · View at bank ↗

6.383 % APRrecorded 2026-11-01

03

Randolph-Brooks Federal Credit Union

Jumbo One-Time Close Construction

Mortgages · 180 months · 1.000 points · loans over $832,750 · rate based on 80% LTV · View at bank ↗

6.416 % APRrecorded 2026-11-01

04

Randolph-Brooks Federal Credit Union

Jumbo Fixed Rate

Mortgages · 180 months · 0.500 points · loans over $832,750 · fixed · View at bank ↗

6.423 % APRrecorded 2026-11-01

05

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 180 months · 1.000 points · fixed · View at bank ↗

6.446 % APRrecorded 2026-11-01

06

Randolph-Brooks Federal Credit Union

Jumbo One-Time Close Construction

Mortgages · 180 months · 0.500 points · loans over $832,750 · rate based on 80% LTV · View at bank ↗

6.462 % APRrecorded 2026-11-01

07

Randolph-Brooks Federal Credit Union

Jumbo Fixed Rate

Mortgages · 180 months · no points · loans over $832,750 · fixed · View at bank ↗

6.470 % APRrecorded 2026-11-01

08

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 180 months · 0.500 points · fixed · View at bank ↗

6.492 % APRrecorded 2026-11-01

09

Randolph-Brooks Federal Credit Union

Jumbo One-Time Close Construction

Mortgages · 180 months · no points · loans over $832,750 · rate based on 80% LTV · View at bank ↗

6.508 % APRrecorded 2026-11-01

10

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 180 months · no points · fixed · View at bank ↗

6.538 % APRrecorded 2026-11-01

11

Connexus Credit Union

Mortgage REFI Fixed

Mortgages · 15-year fixed · View at bank ↗

6.591 % APRrecorded 2026-11-01

12

Randolph-Brooks Federal Credit Union

One-Time Close Construction

Mortgages · 180 months · 1.000 points · rate based on 80% LTV · View at bank ↗

6.623 % APRrecorded 2026-11-01

13

Randolph-Brooks Federal Credit Union

One-Time Close Construction

Mortgages · 180 months · 0.500 points · rate based on 80% LTV · View at bank ↗

6.669 % APRrecorded 2026-11-01

14

Randolph-Brooks Federal Credit Union

One-Time Close Construction

Mortgages · 180 months · no points · rate based on 80% LTV · View at bank ↗

6.714 % APRrecorded 2026-11-01

15

Randolph-Brooks Federal Credit Union

100% Conventional Fixed Rate

Mortgages · 180 months · 1.000 points · fixed · View at bank ↗

7.065 % APRrecorded 2026-11-01

20 years lowest 6.709% · 20 offers

01

Connexus Credit Union

Mortgage Fixed

Mortgages · 20-year · View at bank ↗

6.709 % APRrecorded 2026-11-01

02

Randolph-Brooks Federal Credit Union

Jumbo Fixed Rate

Mortgages · 240 months · 1.000 points · loans over $832,750 · fixed · View at bank ↗

6.937 % APRrecorded 2026-11-01

03

Randolph-Brooks Federal Credit Union

Jumbo One-Time Close Construction

Mortgages · 240 months · 1.000 points · loans over $832,750 · rate based on 80% LTV · View at bank ↗

6.969 % APRrecorded 2026-11-01

04

Connexus Credit Union

Mortgage REFI Fixed

Mortgages · 20-year fixed · View at bank ↗

6.985 % APRrecorded 2026-11-01

05

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 240 months · 0.875 points · fixed · View at bank ↗

6.996 % APRrecorded 2026-11-01

06

Randolph-Brooks Federal Credit Union

Jumbo Fixed Rate

Mortgages · 240 months · 0.500 points · loans over $832,750 · fixed · View at bank ↗

6.998 % APRrecorded 2026-11-01

07

Randolph-Brooks Federal Credit Union

Jumbo One-Time Close Construction

Mortgages · 240 months · 0.500 points · loans over $832,750 · rate based on 80% LTV · View at bank ↗

7.030 % APRrecorded 2026-11-01

08

Randolph-Brooks Federal Credit Union

Jumbo Fixed Rate

Mortgages · 240 months · no points · loans over $832,750 · fixed · View at bank ↗

7.059 % APRrecorded 2026-11-01

09

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 240 months · 0.500 points · fixed · View at bank ↗

7.073 % APRrecorded 2026-11-01

10

Randolph-Brooks Federal Credit Union

Jumbo One-Time Close Construction

Mortgages · 240 months · no points · loans over $832,750 · rate based on 80% LTV · View at bank ↗

7.091 % APRrecorded 2026-11-01

11

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 240 months · no points · fixed · View at bank ↗

7.134 % APRrecorded 2026-11-01

12

Randolph-Brooks Federal Credit Union

One-Time Close Construction

Mortgages · 240 months · 1.000 points · rate based on 80% LTV · View at bank ↗

7.157 % APRrecorded 2026-11-01

13

Randolph-Brooks Federal Credit Union

One-Time Close Construction

Mortgages · 240 months · 0.500 points · rate based on 80% LTV · View at bank ↗

7.217 % APRrecorded 2026-11-01

14

Randolph-Brooks Federal Credit Union

One-Time Close Construction

Mortgages · 240 months · no points · rate based on 80% LTV · View at bank ↗

7.278 % APRrecorded 2026-11-01

15

Randolph-Brooks Federal Credit Union

100% Conventional Fixed Rate

Mortgages · 240 months · 1.000 points · fixed · View at bank ↗

7.628 % APRrecorded 2026-11-01

30 years lowest 5.880% · 29 offers

01

Randolph-Brooks Federal Credit Union

Jumbo ARM (5/5)

Mortgages · 360 months · 1.000 points · loans over $832,750 · View at bank ↗

5.880 % APRrecorded 2026-11-01

02

Randolph-Brooks Federal Credit Union

ARM (5/5)

Mortgages · 360 months · 1.000 points · View at bank ↗

5.935 % APRrecorded 2026-11-01

03

Randolph-Brooks Federal Credit Union

Jumbo ARM (5/5)

Mortgages · 360 months · 0.500 points · loans over $832,750 · View at bank ↗

5.960 % APRrecorded 2026-11-01

04

Randolph-Brooks Federal Credit Union

ARM (5/5)

Mortgages · 360 months · 0.500 points · View at bank ↗

6.014 % APRrecorded 2026-11-01

05

Randolph-Brooks Federal Credit Union

Jumbo ARM (5/5)

Mortgages · 360 months · no points · loans over $832,750 · View at bank ↗

6.039 % APRrecorded 2026-11-01

06

Randolph-Brooks Federal Credit Union

ARM (5/5)

Mortgages · 360 months · no points · View at bank ↗

6.093 % APRrecorded 2026-11-01

07

Connexus Credit Union

Mortgage Fixed

Mortgages · 30-year · View at bank ↗

7.037 % APRrecorded 2026-11-01

08

30-year fixed rate conventional loan

Mortgages · $350,000 loan, ZIP 60629 (Chicago, IL), 1.877 discount points · 30 years · fixed · View at bank ↗

7.062 % APRrecorded 2026-11-01

09

Connexus Credit Union

Mortgage REFI Fixed

Mortgages · 30-year fixed · View at bank ↗

7.207 % APRrecorded 2026-11-01

10

Randolph-Brooks Federal Credit Union

Jumbo Fixed Rate

Mortgages · 360 months · 1.000 points · loans over $832,750 · fixed · View at bank ↗

7.273 % APRrecorded 2026-11-01

11

Randolph-Brooks Federal Credit Union

Jumbo One-Time Close Construction

Mortgages · 360 months · 1.000 points · loans over $832,750 · rate based on 80% LTV · View at bank ↗

7.297 % APRrecorded 2026-11-01

12

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 360 months · 0.750 points · fixed · View at bank ↗

7.306 % APRrecorded 2026-11-01

13

Randolph-Brooks Federal Credit Union

Jumbo Fixed Rate

Mortgages · 360 months · 0.500 points · loans over $832,750 · fixed · View at bank ↗

7.348 % APRrecorded 2026-11-01

14

Randolph-Brooks Federal Credit Union

Jumbo One-Time Close Construction

Mortgages · 360 months · 0.500 points · loans over $832,750 · rate based on 80% LTV · View at bank ↗

7.373 % APRrecorded 2026-11-01

15

Randolph-Brooks Federal Credit Union

Conventional Fixed Rate

Mortgages · 360 months · 0.375 points · fixed · View at bank ↗

7.394 % APRrecorded 2026-11-01

No fixed term lowest 7.046% · 3 offers

01

Connexus Credit Union

Mortgage ARM

Mortgages · 5/3 · View at bank ↗

7.046 % APRrecorded 2026-11-01

02

Connexus Credit Union

Mortgage ARM

Mortgages · 7/3 · View at bank ↗

7.149 % APRrecorded 2026-11-01

03

Connexus Credit Union

Mortgage ARM

Mortgages · 3/3 · View at bank ↗

7.286 % APRrecorded 2026-11-01

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Questions

What is the lowest advertised mortgage rate in the US right now?

Randolph-Brooks Federal Credit Union Jumbo ARM (5/5) (360 months · 1.000 points · loans over $832,750) at 5.880% APR, recorded 1 Nov 2026. RateSonar compared 140 offers from 3 institutions on the same basis.

Are these rates current?

Each row shows the date RateSonar last recorded it from the bank's page. Pages are captured twice a day; a row that could not be refreshed keeps its last recorded date and drops out of the ranking after three days.

Is this the rate I will get?

No. These are the rates lenders advertise. Your rate depends on your circumstances, and lenders may price individually. Use the bank's own quote.