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    ELEMENTS FINANCIAL mortgage rates

    ELEMENTS FINANCIAL's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track ELEMENTS FINANCIAL daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from ELEMENTS FINANCIAL

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%6.916%-0.25Sep 11, 2026Visit
    20 Year Fixed6.875%6.928%0Sep 11, 2026Visit
    15 Year Fixed6.5%6.566%0Sep 11, 2026Visit
    10 Year Fixed6.5%6.592%0Sep 11, 2026Visit
    7 Year Fixed6.5%6.627%0Sep 11, 2026Visit
    5 Year Fixed6.5%6.673%0Sep 11, 2026Visit
    3 Year ARM7.125%6.796%0Sep 11, 2026Visit
    5 Year ARM6.75%6.715%0Sep 11, 2026Visit
    7 Year ARM7%6.859%0Sep 11, 2026Visit
    FHA 30 Year Fixed6.5%7.262%-0.125Sep 11, 2026Visit
    FHA 15 Year Fixed6.125%6.943%0.5Sep 11, 2026Visit
    VA 30 Year Fixed6.625%6.852%0Sep 11, 2026Visit
    VA 15 Year Fixed6.125%6.615%0.75Sep 11, 2026Visit
    USDA 30 Year Fixed6.5%6.982%-0.125Sep 11, 2026Visit
    10 Year Fixed Refinance6.5%6.592%0Sep 11, 2026Visit
    15 Year Fixed Refinance6.5%6.566%0Sep 11, 2026Visit
    20 Year Fixed Refinance7%7.053%0Sep 11, 2026Visit
    3 Year ARM Refinance7.125%6.796%0Sep 11, 2026Visit
    30 Year Fixed Refinance7%7.041%-0.125Sep 11, 2026Visit
    5 Year ARM Refinance6.75%6.715%0Sep 11, 2026Visit
    5 Year Fixed Refinance6.5%6.673%0Sep 11, 2026Visit
    7 Year ARM Refinance7%6.863%0Sep 11, 2026Visit
    7 Year Fixed Refinance6.5%6.627%0Sep 11, 2026Visit
    FHA 15 Year Fixed Refinance6.125%6.943%0.5Sep 11, 2026Visit
    FHA 30 Year Fixed Refinance6.5%7.262%-0.125Sep 11, 2026Visit
    VA 15 Year Fixed Refinance6.125%6.617%0.75Sep 11, 2026Visit
    VA 30 Year Fixed Refinance6.625%6.854%0Sep 11, 2026Visit
    Visit ELEMENTS FINANCIAL's rates page

    Rate history

    Lowest daily rate ELEMENTS FINANCIAL advertised for each product, past 90 days.

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

    Who can join ELEMENTS FINANCIAL

    Membership is open to employees of partner companies, including Bosma Enterprises, Butler, Damar, Eli Lilly and Company, Helmer, The Heritage Group, State of Indiana, Indiana Chamber, Indy Chamber, Indianapolis Indians, IU Health, OneAmerica, Republic Airways, Roche, and Vera Bradley. Individuals can also qualify by opening an Elements checking or savings account, or applying for a loan or credit card. Immediate family or household members of an existing Elements account holder are also eligible.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    Bosma Enterprises, Butler University, Damar Services, Eli Lilly and Company, Helmer Scientific, The Heritage Group, State of Indiana, Indianapolis Indians, IU Health, OneAmerica, Republic Airways, Roche Diagnostics…
    Association / SEG
    Indiana Chamber, Indy Chamber

    Where ELEMENTS FINANCIAL writes mortgages

    ELEMENTS FINANCIAL publishes mortgage lending in 1 state.

    Indiana

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

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