Compare Today's Mortgage and Refinance Rates in Torrington
On Wednesday, July 2, 2025, the national average 30-year fixed mortgage APR is 6.866%. The average 15-year fixed mortgage APR is 5.706%. .
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Mortgage rate trends (APR)
- 30-year fixed
- 15-year fixed
- 5-year ARM
NerdWallet’s mortgage rate insight
6.866%
30-year fixed-rate“
On Wednesday, July 2, 2025, the average APR on a 30-year fixed-rate mortgage rose 4 basis points to 6.866%. The average APR on a 15-year fixed-rate mortgage rose 4 basis points to 5.706% and the average APR for a 5-year adjustable-rate mortgage (ARM) remained at 7.310%, according to rates provided to NerdWallet by Zillow. The 30-year fixed-rate mortgage is same as one week ago and 17 basis points lower than one year ago.
A basis point is one one-hundredth of one percent. Rates are expressed as annual percentage rate, or APR.
- About this lenderPros
- Among the best when it comes to online convenience.
- Offers a full selection of mortgage types and products, including jumbo, home equity, and government loans.
- Claims to offer preapproval within 24 hours of loan application.
Cons- You'll have to complete a loan application to see mortgage interest rates.
- Bank branch locations limited to the Midwest.
- Does not offer home equity lines of credit.
- About this lenderPros
- Displays customized rates, with fee estimates, without requiring contact information.
- Offers home equity loans and lines of credit.
- Mortgage origination fees are on the low side compared to other lenders, according to the latest federal data.
Cons- Doesn’t offer government-backed FHA or USDA loans, or adjustable-rate mortgages.
- Home renovation loans are not available.
- Mortgage rates are on the high side compared to other lenders, according to the latest federal data.
- About this lenderPros
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
Cons- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
- About this lenderPros
- Loan origination process can be completed online.
- Offers government-backed FHA and VA loans.
- Offers module that compares mortgage rates among other lenders.
Cons- Offers loans in many states and Washington, D.C., but not nationwide.
- Does not offer home equity loans or lines of credit.
About These Rates: The lenders whose rates appear on this table are NerdWallet’s advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender’s site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner’s assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.
Torrington, WY mortgage and refinance rates today (APR)
| Product | Interest Rate | APR |
|---|---|---|
| 30-year fixed-rate | 6.861% | 6.866% |
| 20-year fixed-rate | 6.478% | 6.481% |
| 15-year fixed-rate | 5.698% | 5.706% |
| 10-year fixed-rate | 5.750% | 5.794% |
| 7-year ARM | 7.453% | 7.301% |
| 5-year ARM | 7.234% | 7.310% |
| 30-year fixed-rate FHA | 5.990% | 6.721% |
| 30-year fixed-rate VA | 6.129% | 6.465% |
Data source: ©Zillow, Inc. 2006 - 2021. Use is subject to the Terms of Use
Today's rate
6.866%
30-year fixed-rate“
Today’s mortgage rates in Torrington, WY are 6.866% for a 30-year fixed, 5.706% for a 15-year fixed, and 7.310% for a 5-year adjustable-rate mortgage (ARM).