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- Home loans /
- Mortgage refinance /
- Conventional Fixed Rate Refinance /
- 15 year fixed refinance rates
Today’s 15-year fixed refinance rates
Check out today’s 15-year fixed refinance rates below.
Find refinance rates by state
This table shows rates for conventional fixed-rate mortgages through U.S. Bank.
| Term | 30-year fixed |
| Rate | |
| APR Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans. | |
| Points Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500. |
| Term | 20-year fixed |
| Rate | |
| APR Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans. | |
| Points Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500. |
| Term | 15-year fixed |
| Rate | |
| APR Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans. | |
| Points Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500. |
| Term | 10-year fixed |
| Rate | |
| APR Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans. | |
| Points Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500. |
| Term | Rate | APR Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans. | Points Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500. |
|---|---|---|---|
| 30-year fixed | |||
| 20-year fixed | |||
| 15-year fixed | |||
| 10-year fixed |
These rates assume you have a FICO® Score of 740+ and at least 25% equity, that the loan is for a single-family home as your primary residence and that you will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with a mortgage loan officer to learn more about mortgage points. See a conforming fixed-rate estimated monthly payment and APR example.1
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Get answers to common questions.
A 15-year fixed rate mortgage is a home loan with a repayment period of 15 years. It has an interest rate that does not change throughout the life of the loan.
Supporting Resources
Compare your loan options and check out the following resources to find answers to common mortgage-related questions. Or contact an experienced U.S. Bank mortgage loan officer today at 855-673-5250.
Should I refinance?
When to refinance your mortgage
What is refinancing, and is it right for you?
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- Find a mortgage loan officer
- Call 855-673-5250
- Request a call
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Prequalifying helps you see how much you might be able to borrow.
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Or if you’re ready to refinance, start your application.
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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, home equity and credit products are offered through U.S.Bank National Association. Deposit products are offered through U.S.Bank National Association. Member FDIC. 
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Conforming fixed-rate estimated monthly payment and APR example: A $225,000 loan amount with a 30-year term at an interest rate of 3.875% with borrower-equity of 20% and no discount points purchased would result in an estimated monthly payment of $1,058.04 with an Annual Percentage Rate (APR) of 3.946%.
Estimated monthly payment and APR calculation are based on down payment of 20% and borrower-paid finance charges of 0.862% of the base loan amount. If the borrower-equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.
Return to content, Footnote 1
The rates shown above are the current rates for the refinance of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your guaranteed rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
To lock a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. An application can be made by calling 888-291-2334, by starting it online or by meeting with a mortgage loan officer.
Minnesota properties: To guarantee a rate, you must receive written confirmation as required by Minnesota Statute 47.206. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.
Conforming Fixed-Rate Loans:APR calculation assumes a $464,000 loan with 25% borrower equity and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees, if applicable. If the borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts not exceeding $726,200 ($1,089,300 in AK and HI).
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