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    STATE DEPARTMENT mortgage rates

    STATE DEPARTMENT's lowest publicly advertised 30-year fixed rate today is 6.625% — the national average is 6.88%. That's about $24,411 saved over the life of a $400,000, 30-year loan. We track STATE DEPARTMENT daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from STATE DEPARTMENT

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.625%6.674%0.5Sep 11, 2026Visit
    20 Year Fixed6.375%6.407%0.25Sep 11, 2026Visit
    15 Year Fixed6%6.059%0.375Sep 11, 2026Visit
    10 Year Fixed6.125%6.153%0.125Sep 11, 2026Visit
    5 Year ARM6%6.338%0.375Sep 11, 2026Visit
    7 Year ARM6.375%6.508%0.125Sep 11, 2026Visit
    10 Year ARM6.5%6.614%0.75Sep 11, 2026Visit
    15 Year ARM6%6.273%0.625Sep 11, 2026Visit
    30 Year Fixed Jumbo7%7.025%0.25Sep 11, 2026Visit
    15 Year Fixed Jumbo6.25%6.309%0.375Sep 11, 2026Visit
    30 Year Fixed Super Conforming6.75%6.762%0.125Sep 11, 2026Visit
    15 Year Fixed Super Conforming6.125%6.164%0.25Sep 11, 2026Visit
    5 Year ARM Jumbo6.25%6.425%0.25Sep 11, 2026Visit
    Visit STATE DEPARTMENT's rates page

    Rate history

    Lowest daily rate STATE DEPARTMENT advertised for each product, past 90 days.

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

    Where STATE DEPARTMENT writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with STATE DEPARTMENT.

    Virginia

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

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