Live Market Data
Current Mortgage Rates
By State
Compare estimated mortgage rates across all 50 states to find the best deal for your physician loan.
Rates as of July 27, 2026
*Rates based on $750k loan amount, 740+ credit score
| Region | 30-Year Fixed | 15-Year Fixed | 5/1 ARM |
|---|---|---|---|
US National Average | 6.875% | 6.125% | 7.125% |
AL Alabama | 6.860% | 6.110% | 7.110% |
AK Alaska | 6.845% | 6.095% | 7.095% |
AZ Arizona | 6.860% | 6.110% | 7.110% |
AR Arkansas | 6.875% | 6.125% | 7.125% |
CA California | 6.905% | 6.155% | 7.155% |
CO Colorado | 6.875% | 6.125% | 7.125% |
CT Connecticut | 6.920% | 6.170% | 7.170% |
DE Delaware | 6.875% | 6.125% | 7.125% |
FL Florida | 6.860% | 6.110% | 7.110% |
GA Georgia | 6.860% | 6.110% | 7.110% |
HI Hawaii | 6.845% | 6.095% | 7.095% |
ID Idaho | 6.830% | 6.080% | 7.080% |
IL Illinois | 6.875% | 6.125% | 7.125% |
IN Indiana | 6.860% | 6.110% | 7.110% |
IA Iowa | 6.815% | 6.065% | 7.065% |
KS Kansas | 6.845% | 6.095% | 7.095% |
KY Kentucky | 6.875% | 6.125% | 7.125% |
LA Louisiana | 6.890% | 6.140% | 7.140% |
ME Maine | 6.830% | 6.080% | 7.080% |
MD Maryland | 6.875% | 6.125% | 7.125% |
MA Massachusetts | 6.950% | 6.200% | 7.200% |
MI Michigan | 6.875% | 6.125% | 7.125% |
MN Minnesota | 6.890% | 6.140% | 7.140% |
MS Mississippi | 6.920% | 6.170% | 7.170% |
MO Missouri | 6.875% | 6.125% | 7.125% |
MT Montana | 6.860% | 6.110% | 7.110% |
NE Nebraska | 6.875% | 6.125% | 7.125% |
NV Nevada | 6.845% | 6.095% | 7.095% |
NH New Hampshire | 6.950% | 6.200% | 7.200% |
NJ New Jersey | 6.905% | 6.155% | 7.155% |
NM New Mexico | 6.905% | 6.155% | 7.155% |
NY New York | 6.875% | 6.125% | 7.125% |
NC North Carolina | 6.965% | 6.215% | 7.215% |
ND North Dakota | 6.935% | 6.185% | 7.185% |
OH Ohio | 6.815% | 6.065% | 7.065% |
OK Oklahoma | 6.875% | 6.125% | 7.125% |
OR Oregon | 6.845% | 6.095% | 7.095% |
PA Pennsylvania | 6.935% | 6.185% | 7.185% |
RI Rhode Island | 6.935% | 6.185% | 7.185% |
SC South Carolina | 6.965% | 6.215% | 7.215% |
SD South Dakota | 6.935% | 6.185% | 7.185% |
TN Tennessee | 6.890% | 6.140% | 7.140% |
TX Texas | 6.830% | 6.080% | 7.080% |
UT Utah | 6.815% | 6.065% | 7.065% |
VT Vermont | 6.860% | 6.110% | 7.110% |
VA Virginia | 6.875% | 6.125% | 7.125% |
WA Washington | 6.905% | 6.155% | 7.155% |
WV West Virginia | 6.950% | 6.200% | 7.200% |
WI Wisconsin | 6.890% | 6.140% | 7.140% |
WY Wyoming | 6.860% | 6.110% | 7.110% |
Disclosure: The mortgage rates displayed above are estimates for informational purposes only and are subject to change without notice. Actual rates available to you may vary based on your credit history, loan amount, down payment, and other factors.
Physician loans (Doctor Loans) may have slightly different rate structures, often 0.125% - 0.25% higher than conventional rates in exchange for 0% down payment benefits.