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    ELEMENTS FINANCIAL mortgage rates

    ELEMENTS FINANCIAL's lowest publicly advertised 30-year fixed rate today is 7.041% APR — the national average is 7.147%. That's about $10,290 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 ELEMENTS FINANCIAL's rates every weekday, starting around 11 a.m. Central.

    We last read ELEMENTS FINANCIAL's rates page on Nov 2, 2026. ELEMENTS FINANCIAL dates its published rate sheet Nov 2, 2026.

    Today's rates from ELEMENTS FINANCIAL

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.041%-0.375Nov 2, 2026Visit
    20 Year Fixed6.875%6.928%-0.125Nov 2, 2026Visit
    15 Year Fixed6.5%6.566%0Nov 2, 2026Visit
    10 Year Fixed6.5%6.592%0Nov 2, 2026Visit
    3 Year ARM7.25%7.015%0Nov 2, 2026Visit
    5 Year ARM7%6.434%0Nov 2, 2026Visit
    7 Year ARM7.125%7.044%0Nov 2, 2026Visit
    FHA 30 Year Fixed6.75%7.515%-0.375Nov 2, 2026Visit
    FHA 15 Year Fixed6.5%7.344%0.625Nov 2, 2026Visit
    VA 30 Year Fixed7%7.232%-0.375Nov 2, 2026Visit
    VA 15 Year Fixed6.125%6.676%1.125Nov 2, 2026Visit
    USDA 30 Year Fixed6.875%7.36%-0.25Nov 2, 2026Visit
    10 Year Fixed Refinance6.5%6.592%0Nov 2, 2026Visit
    15 Year Fixed Refinance6.5%6.566%0Nov 2, 2026Visit
    20 Year Fixed Refinance7%7.053%0Nov 2, 2026Visit
    3 Year ARM Refinance7.25%7.015%0Nov 2, 2026Visit
    30 Year Fixed Refinance7.125%7.166%-0.25Nov 2, 2026Visit
    5 Year ARM Refinance6.875%6.916%0Nov 2, 2026Visit
    7 Year ARM Refinance7.125%7.048%0Nov 2, 2026Visit
    FHA 15 Year Fixed Refinance6.5%7.344%0.625Nov 2, 2026Visit
    FHA 30 Year Fixed Refinance6.75%7.515%-0.25Nov 2, 2026Visit
    VA 15 Year Fixed Refinance6.125%6.679%1.125Nov 2, 2026Visit
    VA 30 Year Fixed Refinance7%7.234%-0.375Nov 2, 2026Visit
    Visit ELEMENTS FINANCIAL'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 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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