AmeriSave lowered its posted 30-Year Fixed rate 0.125 points to 5.5% on Tuesday, while the other lenders RateZip tracks left their published rates unchanged.
| Lender | Product | Today | Day change |
|---|---|---|---|
| AmeriSave | 30-Year Fixed | 5.5% (6.011% APR) | −0.125 |
| New American Funding | 30-Year Fixed | 6.625% (6.74% APR) | — |
| Rocket Mortgage | 30-Year Fixed | 6.875% (7.154% APR) | — |
| FourLeaf Federal Credit Union | HELOC (variable) | 6.75% | — |
Rates are each lender's own published rate as of 9:44 a.m. ET, collected from their public rate pages. Posted rates reflect each lender's assumptions about credit, points, and loan size — the APR shown alongside is the better cross-lender comparison.
The gap between the cheapest and most expensive posted 30-year rate in our tracked set is 1.375 points (AmeriSave at 5.5% vs Rocket Mortgage at 6.875%). On a $400,000 loan that spread is about $357 a month — on any given morning, the difference between lenders is far larger than the day-to-day movement of any one of them.
For a borrower financing $400,000, today's 0.125-point move at AmeriSave is worth about $31 a month. Real money over thirty years — but not by itself a reason to rush a decision that should turn on the house and the household.
Where borrower demand is heading: RateZip's Mortgage Demand Index tracks which products equity-tapping and purchase demand are rotating toward — see the latest reading.