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    Home state: Minnesota
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    Lends in 5 states

    SOUTHPOINT FINANCIAL mortgage rates

    SOUTHPOINT FINANCIAL's lowest publicly advertised 30-year fixed rate today is 6.856% APR — the national average is 7.147%. That's about $28,144 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 SOUTHPOINT FINANCIAL's rates every weekday, starting around 11 a.m. Central.

    We last read SOUTHPOINT FINANCIAL's rates page on Nov 2, 2026.

    Today's rates from SOUTHPOINT FINANCIAL

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.856%—Nov 2, 2026Visit
    15 Year Fixed6.75%7.017%—Nov 2, 2026Visit
    5 Year ARM6.875%7.04%—Nov 2, 2026Visit
    7 Year ARM6.875%7.04%—Nov 2, 2026Visit
    10 Year ARM6.875%7.04%—Nov 2, 2026Visit
    VA 30 Year Fixed6.75%6.801%—Nov 2, 2026Visit
    USDA 30 Year Fixed6.75%6.963%—Nov 2, 2026Visit
    30 Year Fixed Jumbo7.375%7.418%—Nov 2, 2026Visit
    10 Year ARM Refinance6.875%7.04%—Nov 2, 2026Visit
    15 Year Fixed Refinance6.75%7.017%—Nov 2, 2026Visit
    30 Year Fixed Jumbo Refinance7.375%7.418%—Nov 2, 2026Visit
    30 Year Fixed Refinance7%7.167%—Nov 2, 2026Visit
    5 Year ARM Refinance6.875%7.04%—Nov 2, 2026Visit
    7 Year ARM Refinance6.875%7.04%—Nov 2, 2026Visit
    VA 30 Year Fixed Refinance6.75%6.801%—Nov 2, 2026Visit
    Visit SOUTHPOINT 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 SOUTHPOINT FINANCIAL

    Anyone can join SouthPoint Financial Credit Union nationwide by making a one-time $5 Patron donation to the SouthPoint Financial Credit Union Foundation. Membership is also open to former members, immediate family (spouse, parent, sibling, child, grandparent) of existing members, and anyone who lives, works, worships, attends school, or has a business in 30 southern Minnesota counties including Blue Earth, Dakota, Scott, Stearns, and Wright.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Family of a member
    spouse, parent, sibling, child, grandparent
    County
    Blue Earth, MN, Brown, MN, Carver, MN, Chippewa, MN, Cottonwood, MN, Dakota, MN, Faribault, MN, Freeborn, MN, Goodhue, MN, Kandiyohi, MN, Lac qui Parle, MN, Le Sueur, MN…

    Where SOUTHPOINT FINANCIAL writes mortgages

    SOUTHPOINT FINANCIAL publishes mortgage lending in 5 states.

    FloridaMinnesotaOhioOregonWisconsin

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

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