Today's rates from ST. CLOUD FINANCIAL
| Product | Rate | APR | Points | We read | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 6.99% | 7.229% | — | Nov 2, 2026 Lender's sheet dated Nov 1, 2026 | Visit | |
| 15 Year Fixed | 6.375% | 6.603% | — | Nov 2, 2026 Lender's sheet dated Nov 1, 2026 | Visit | |
| 5 Year ARM | 5.6% | 6.909% | — | Nov 2, 2026 Lender's sheet dated Nov 1, 2026 | Visit | |
| 7 Year ARM | 5.9% | 6.864% | — | Nov 2, 2026 Lender's sheet dated Nov 1, 2026 | Visit | |
| 10 Year ARM | 6.35% | 6.959% | — | Nov 2, 2026 Lender's sheet dated Nov 1, 2026 | Visit | |
| FHA 30 Year Fixed | 6.5% | 7.735% | — | Nov 2, 2026 Lender's sheet dated Nov 1, 2026 | Visit | |
| VA 30 Year Fixed | 6.49% | 6.938% | — | Nov 2, 2026 Lender's sheet dated Nov 1, 2026 | Visit | |
| USDA 30 Year Fixed | 6.5% | 7.182% | — | Nov 2, 2026 Lender's sheet dated Nov 1, 2026 | Visit |
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 ST. CLOUD FINANCIAL
Membership is open to anyone nationwide via a donation to the TriUnity Foundation, or to those who live or work in seven Central Minnesota counties including Stearns, Benton, and Wright.
Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
Employer
US Postal Service
Association / SEG
TriUnity Foundation
County
Stearns County, MN, Benton County, MN, Sherburne County, MN, Wright County, MN, Meeker County, MN, Kandiyohi County, MN, Morrison County, MN
Where ST. CLOUD FINANCIAL writes mortgages
ST. CLOUD FINANCIAL publishes mortgage lending in 3 states.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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