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    Home state: Delaware
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    AMERICAN SPIRIT mortgage rates

    AMERICAN SPIRIT's lowest publicly advertised 30-year fixed rate today is 7.052% APR — the national average is 7.147%. That's about $9,224 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read AMERICAN SPIRIT's rates every weekday, starting around 11 a.m. Central.

    We last read AMERICAN SPIRIT's rates page on Nov 2, 2026.

    Today's rates from AMERICAN SPIRIT

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%7.052%2.21Nov 2, 2026Visit
    20 Year Fixed7.125%7.23%0Nov 2, 2026Visit
    15 Year Fixed6.875%7.005%0Nov 2, 2026Visit
    10 Year Fixed6.875%7.057%0Nov 2, 2026Visit
    5 Year ARM6.725%7.415%1.5Nov 2, 2026Visit
    7 Year ARM6.5%7.23%1.78Nov 2, 2026Visit
    10 Year ARM6.975%7.482%2.51Nov 2, 2026Visit
    FHA 30 Year Fixed6.875%7.581%0Nov 2, 2026Visit
    FHA 15 Year Fixed6.5%7.312%0.74Nov 2, 2026Visit
    VA 30 Year Fixed7%7.266%0Nov 2, 2026Visit
    VA 15 Year Fixed6.5%7.126%1.21Nov 2, 2026Visit
    30 Year Fixed Jumbo7.375%7.42%0.25Nov 2, 2026Visit
    15 Year Fixed Jumbo6.5%6.531%0Nov 2, 2026Visit
    Visit AMERICAN SPIRIT's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join AMERICAN SPIRIT

    Membership is open to individuals who live, work, worship, or attend school in Newark, Dover, or Middletown, Delaware. Employees of sponsor companies and family or household members of current or eligible members are also eligible to join.

    Association / SEG
    DelPart FCU, First State Federal Credit Union
    City
    Newark, DE, Dover, DE, Middletown, DE

    Where AMERICAN SPIRIT writes mortgages

    AMERICAN SPIRIT publishes mortgage lending in 1 state.

    Delaware

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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