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U.S. mortgage applications fall on higher rates, storms: MBA Overall mortgage application. rate changes," said Mike Fratantoni, mba senior vice president and chief economist. "Borrowing costs have recently drifted higher because of ebbing geopolitical.

Most other lenders’ 15 year mortgage rates that low require you to pay points upfront. 20 year mortgage rates from Bank of Oak Ridge, which is a less popular mortgage term, are offered at 4.25 percent with 0.25 points and the same $853 in fees. The best mortgage rate for you depends on how much you are looking to borrow.

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