Today's Mortgage Rates
Get your rate, and you could lock it in for up to 60 days.†
These rates and monthly payments are based on a $300,000 mortgage. Lending limitations such as property state and loan amount may apply.
30-Year Fixed Rate
Rate: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=RATE#
APR: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=APR#
Points: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=POINTS#
Estimated Monthly Payment: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=MONTHLY_PAYMENT#
15-Year Fixed Rate
Rate: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=RATE#
APR: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=APR#
Points: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=POINTS#
Estimated Monthly Payment: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=MONTHLY_PAYMENT#
Save more with rate discounts
Rates shown include 0.125% autopay and paperless discount†
Save even more when you set up automatic payments from any checking account and enroll in electronic Mortgage billing statements.†
More information on rates and repayments
The APR (annual percentage rate) includes your interest rate but also other fees and upfront costs of getting the loan, including points, closing costs and lender fees. APR is a more comprehensive view of the total cost of the loan and can be a more useful tool for comparing different loan offers from different lenders because it provides a more complete picture of the overall cost of the loan.
This payment example assumes no subordinate financing.
Rates listed above are for conforming refinance loans, are effective as of 06/09/2025 8:57 AM CT and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.
The information provided assumes the purpose of the loan is to refinance the existing mortgage, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Columbus, OH and is within Franklin county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 6.125% interest rate, the APR for this loan type is 6.244%. The monthly payment schedule would be:
179 payments of $2,551.87 at an interest rate of 6.125%
1 payment of $2,552.79 at an interest rate of 6.125%
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes, homeowner's insurance premiums and, hazard insurance premiums where applicable.
This payment example assumes no subordinate financing.
Rates listed above are for conforming refinance loans, are effective as of 06/09/2025 8:57 AM CT and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.
What type of Mortgage is right for you?
Benefits of a Citizens Home Mortgage
Competitive Rates
Save even more with a 0.125% rate discount when you set up automatic payments from your Citizens checking account or consumer checking account plus enroll in electronic billing statements for your new home loan.†
Don't have a checking account with Citizens?
Extra Ways to Save
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Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval. Offers may be withdrawn without notice. 
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