Current Rates


Please note that the rates quoted are fully effective rates.  This means the ongoing fees associated with the loan (such as the CDC, SBA, and central servicing agent fees) are already factored into the interest rate.  Additionally, each year, SBA recalculates the “borrower fee,” which is also part of the fully effective rate.  Therefore, the fully effective rate at the time of funding could differ from the information below, depending on what fiscal year your loan was approved.

December 2024

25 year - 6.09% 20 year - 6.16% 10 year - 6.46% 25 year (Refinance) - 6.12% 20 year (Refinance) - 6.19% 10 year (Refinance) - 6.49%

November 2024

25 year - 6.28% 20 year - 6.35% 10 year - 6.46% 25 year (Refinance) - 6.31% 20 year (Refinance) - 6.38% 10 year (Refinance) - 6.49%

October 2024

25 year - 6.03% 20 year - 6.10% 10 year - 5.82% 25 year (Refinance) - 6.06% 20 year (Refinance) - 6.13% 10 year (Refinance) - 5.85%

September 2024

25 year - 5.76% 20 year - 5.83% 10 year - 5.87% 25 year (Refinance) - 5.79% 20 year (Refinance) - 5.86% 10 year (Refinance) - 5.90%

August 2024

25 year - 6.04% 20 year - 6.11% 10 year - 6.48% 25 year (Refinance) - 6.07% 20 year (Refinance) - 6.14% 10 year (Refinance) - 6.51%

July 2024

25 year - 6.20% 20 year - 6.27% 10 year - 6.48% 25 year (Refinance) - 6.23% 20 year (Refinance) - 6.30% 10 year (Refinance) - 6.51%

June 2024

25 year - 6.35% 20 year - 6.44% 10 year - 6.91% 25 year (Refinance) - 6.38% 20 year (Refinance) - 6.47% 10 year (Refinance) - 6.94%

May 2024

25 year - 6.55% 20 year - 6.65% 10 year - 6.91% 25 year (Refinance) - 6.58% 20 year (Refinance) - 6.67% 10 year (Refinance) - 6.94%

April 2024

25 year - 6.70% 20 year - 6.77% 10 year - 6.59% 25 year (Refinance) - 6.72% 20 year (Refinance) - 6.78% 10 year (Refinance) - 6.62%

March 2024

25 year - 6.28% 20 year - 6.36% 10 year - 6.59% 25 year (Refinance) - 6.31% 20 year (Refinance) - 6.39% 10 year (Refinance) - 6.62%

February 2024

25 year - 6.38% 20 year - 6.49% 10 year - 6.53% 25 year (Refinance) - 6.41% 20 year (Refinance) - 6.52% 10 year (Refinance) - 6.56%

January 2024

25 year - 6.36% 20 year - 6.42% 10 year - 6.53% 25 year (Refinance) - 6.39% 20 year (Refinance) - 6.45% 10 year (Refinance) - 6.56%

December 2023

25 year - 6.59% 20 year - 6.61% 10 year - 7.20% 25 year (Refinance) - 6.61% 20 year (Refinance) - 6.64% 10 year (Refinance) - 7.22%

November 2023

25 year - 7.02% 20 year - 7.02% 10 year - 7.20% 25 year (Refinance) - 7.05% 20 year (Refinance) - 7.05% 10 year (Refinance) - 7.24%

October 2023

25 year - 7.22% 20 year - 7.28% 10 year - 7.07% 25 year (Refinance) - 7.24% 20 year (Refinance) - 7.29% 10 year (Refinance) - 7.08%

September 2023

25 year - 6.81% 20 year - 6.87% 10 year - 7.07% 25 year (Refinance) - 6.83% 20 year (Refinance) - 6.89% 10 year (Refinance) - 7.08%

August 2023

25 year - 6.55% 20 year - 6.61% 10 year - 7.10% 25 year (Refinance) - 6.57% 20 year (Refinance) - 6.63% 10 year (Refinance) - 7.10%

July 2023

25 year - 6.58% 20 year - 6.64% 10 year - 7.10% 25 year (Refinance) - 6.60% 20 year (Refinance) - 6.65% 10 year (Refinance) - 7.10%

June 2023

25 year - 6.33% 20 year - 6.38% 10 year - 6.05% 25 year (Refinance) - 6.34% 20 year (Refinance) - 6.35% 10 year (Refinance) - 6.08%

May 2023

25 year - 6.03% 20 year - 6.08% 10 year - 6.05% 25 year (Refinance) - 6.04% 20 year (Refinance) - 6.10% 10 year (Refinance) - 6.08%

April 2023

25 year - 5.88% 20 year - 5.96% 10 year - 6.78% 25 year (Refinance) - 5.90% 20 year (Refinance) - 5.98% 10 year (Refinance) - 6.80%

March 2023

25 year - 6.33% 20 year - 6.34% 10 year - 6.78% 25 year (Refinance) - 6.35% 20 year (Refinance) - 6.35% 10 year (Refinance) - 6.80%

February 2023

25 year - 6.01% 20 year - 5.98% 10 year - 6.16% 25 year (Refinance) - 6.03% 20 year (Refinance) - 6.00% 10 year (Refinance) - 6.18%

January 2023

25 year - 6.31% 20 year - 6.29% 10 year - 6.46% 25 year (Refinance) - 6.33% 20 year (Refinance) - 6.30% 10 year (Refinance) - 6.47%

December 2022

25 year - 6.11% 20 year - 6.04% 10 year - 6.27% 25 year (Refinance) - 6.13% 20 year (Refinance) - 6.04% 10 year (Refinance) - 6.29%

November 2022

25 year - 6.53% 20 year - 6.23% 10 year - 6.27% 25 year (Refinance) - 6.54% 20 year (Refinance) - 6.24% 10 year (Refinance) - 6.29%

October 2022

25 year - 6.22% 20 year - 6.13% 10 year - 5.33% 25 year (Refinance) - 6.23% 20 year (Refinance) - 6.15% 10 year (Refinance) - 5.35%

September 2022

25 year - 5.44% 20 year - 5.34% 10 year - 5.33% 25 year (Refinance) - 5.45% 20 year (Refinance) - 5.36% 10 year (Refinance) - 5.35%

August 2022

25 year - 4.98% 20 year - 4.89% 10 year - 4.97% 25 year (Refinance) - 4.99% 20 year (Refinance) - 4.90% 10 year (Refinance) - 4.98%

July 2022

25 year - 5.11% 20 year - 5.05% 10 year - 4.97% 25 year (Refinance) - 5.12% 20 year (Refinance) - 5.06% 10 year (Refinance) - 4.98%

June 2022

25 year - 5.19% 20 year - 5.13% 10 year - 4.93% 25 year (Refinance) - 5.20% 20 year (Refinance) - 5.15% 10 year (Refinance) - 4.95%

May 2022

25 year - 5.12% 20 year - 5.06% 10 year - 4.93% 25 year (Refinance) - 5.13% 20 year (Refinance) - 5.08% 10 year (Refinance) - 4.95%

April 2022

25 year - 4.68% 20 year - 4.62% 10 year - 3.82% 25 year (Refinance) - 4.69% 20 year (Refinance) - 4.63% 10 year (Refinance) - 3.83%

March 2022

25 year - 3.93% 20 year - 3.77% 10 year - 3.82% 25 year (Refinance) - 3.94% 20 year (Refinance) - 3.78% 10 year (Refinance) - 3.83%

February 2022

25 year - 3.60% 20 year - 3.45% 10 year - 3.07% 25 year (Refinance) - 3.61% 20 year (Refinance) - 3.47% 10 year (Refinance) - 3.10%

January 2022

25 year - 3.22% 20 year - 3.07% 10 year - 3.07% 25 year (Refinance) - 3.23% 20 year (Refinance) - 3.09% 10 year (Refinance) - 3.10%

December 2021

25 year - 3.03% 20 year - 2.88% 10 year - 2.63% 25 year (Refinance) - 3.04% 20 year (Refinance) - 2.89% 10 year (Refinance) - 2.81%

November 2021

25 year - 2.92% 20 year - 2.78% 10 year - 2.63% 25 year (Refinance) - 2.94% 20 year (Refinance) - 2.79% 10 year (Refinance) - 2.81%

October 2021

25 year - 2.91% 20 year - 2.77% 10 year - 2.37% 25 year (Refinance) - 2.93% 20 year (Refinance) - 2.78% 10 year (Refinance) - 2.39%

September 2021

25 year - 2.98% 20 year - 2.86% 10 year - 2.69% 25 year (Refinance) - 3.02% 20 year (Refinance) - 2.90% 10 year (Refinance) - 2.74%

August 2021

25 year - 2.87% 20 year - 2.75% 10 year - 2.60% 25 year (Refinance) - 2.91% 20 year (Refinance) - 2.80% 10 year (Refinance) - 2.66%

July 2021

25 year - 2.81% 20 year - 2.70% 10 year - 2.60% 25 year (Refinance) - 2.86% 20 year (Refinance) - 2.74% 10 year (Refinance) - 2.66%

June 2021

25 year - 2.89% 20 year - 2.77% 10 year - 2.62% 25 year (Refinance) - 2.93% 20 year (Refinance) - 2.81% 10 year (Refinance) - 2.67%

May 2021

25 year - 2.94% 20 year - 2.85% 10 year - 2.62% 25 year (Refinance) - 2.98% 20 year (Refinance) - 2.89% 10 year (Refinance) - 2.67%

April 2021

25 year - 3.08% 20 year - 3.02% 10 year - 2.70% 25 year (Refinance) - 3.12% 20 year (Refinance) - 3.06% 10 year (Refinance) - 2.70%

March 2021

25 year - 3.05% 20 year - 3.00% 10 year - 2.70% 25 year (Refinance) - 3.09% 20 year (Refinance) - 3.05% 10 year (Refinance) - 2.70%

February 2021

25 year - 2.76% 20 year - 2.72% 10 year - 2.45% 25 year (Refinance) - 2.80% 20 year (Refinance) - 2.76% 10 year (Refinance) - 2.45%

January 2021

25 year - 2.70% 20 year - 2.66% 10 year - 2.45% 25 year (Refinance) - 2.74% 20 year (Refinance) - 2.70% 10 year (Refinance) - 2.45%

December 2020

25 year - 2.47% 20 year - 2.43% 10 year - 2.23% 25 year (Refinance) - 2.47% 20 year (Refinance) - 2.43% 10 year (Refinance) - 2.23%

November 2020

25 year - 2.40% 20 year - 2.36% 10 year - 2.23% 25 year (Refinance) - 2.40% 20 year (Refinance) - 2.36% 10 year (Refinance) - 2.23%

October 2020

25 year - 2.43% 20 year - 2.40% 10 year - 2.28% 25 year (Refinance) - 2.43% 20 year (Refinance) - 2.40% 10 year (Refinance) - 2.28%

September 2020

25 year - 2.41% 20 year - 2.37% 10 year - 2.28% 25 year (Refinance) - 2.41% 20 year (Refinance) - 2.37% 10 year (Refinance) - 2.28%

August 2020

25 year - 2.27% 20 year - 2.21% 10 year - 2.40% 25 year (Refinance) - 2.27% 20 year (Refinance) - 2.22% 10 year (Refinance) - 2.40%

July 2020

25 year - 2.41% 20 year - 2.35% 10 year - 2.40% 25 year (Refinance) - 2.41% 20 year (Refinance) - 2.35% 10 year (Refinance) - 2.40%

June 2020

25 year - 2.60% 20 year - 2.53% 10 year - 2.85% 25 year (Refinance) - 2.60% 20 year (Refinance) - 2.53% 10 year (Refinance) - 2.85%

May 2020

25 year - 2.76% 20 year - 2.68% 10 year - 2.64% 25 year (Refinance) - 2.76% 20 year (Refinance) - 2.68% 10 year (Refinance) - 2.64%

April 2020

25 year - 3.03% 20 year - 2.96% 10 year - 2.85% 25 year (Refinance) - 3.03% 20 year (Refinance) - 2.96% 10 year (Refinance) - 2.85%

March 2020

25 year - 2.88% 20 year - 2.81% 10 year - 2.85% 25 year (Refinance) - 2.88% 20 year (Refinance) - 2.81% 10 year (Refinance) - 2.85%

February 2020

25 year - 3.46% 20 year - 3.39% 10 year - 3.80% 25 year (Refinance) - 3.47% 20 year (Refinance) - 3.39% 10 year (Refinance) - 3.81%

January 2020

25 year - 3.71% 20 year - 3.64% 10 year - 3.80% 25 year (Refinance) - 3.72% 20 year (Refinance) - 3.65% 10 year (Refinance) - 3.81%

December 2019

25 year - 3.64% 20 year - 3.58% 10 year - 3.93% 25 year (Refinance) - 3.70% 20 year (Refinance) - 3.64% 10 year (Refinance) - 3.97%

November 2019

25 year - 3.80% 20 year - 3.74% 10 year - 3.93% 25 year (Refinance) - 3.83% 20 year (Refinance) - 3.78% 10 year (Refinance) - 3.97%

October 2019

25 year - 3.54% 20 year - 3.46% 10 year - 3.56% 25 year (Refinance) - 3.57% 20 year (Refinance) - 3.50% 10 year (Refinance) - 3.60%

September 2019

25 year - 3.46% 20 year - 3.36% 10 year - 3.56% 25 year (Refinance) - 3.49% 20 year (Refinance) - 3.39% 10 year (Refinance) - 3.60%

August 2019

25 year - 3.63% 20 year - 3.53% 10 year - 3.94% 25 year (Refinance) - 3.66% 20 year (Refinance) - 3.57% 10 year (Refinance) - 3.98%

July 2019

25 year - 4.01% 20 year - 3.91% 10 year - 3.94% 25 year (Refinance) - 4.04% 20 year (Refinance) - 3.95% 10 year (Refinance) - 3.98%

June 2019

25 year - 4.09% 20 year - 3.98% 10 year - 4.37% 25 year (Refinance) - 4.12% 20 year (Refinance) - 4.02% 10 year (Refinance) - 4.40%

May 2019

25 year - 4.39% 20 year - 4.27% 10 year - 4.37% 25 year (Refinance) - 4.42% 20 year (Refinance) - 4.30% 10 year (Refinance) - 4.40%

April 2019

25 year - 4.53% 20 year - 4.37% 10 year - 4.63% 25 year (Refinance) - 4.56% 20 year (Refinance) - 4.39% 10 year (Refinance) - 4.42%

March 2019

25 year - 4.74% 20 year - 4.59% 10 year - 4.63% 20 year (Refinance) - 4.62% 10 year (Refinance) - 4.66%

February 2019

25 year - 4.77% 20 year - 4.65% 10 year - 4.65% 20 year (Refinance) - 4.79% 10 year (Refinance) - 4.68%

January 2019

25 year - 4.88% 20 year - 4.76% 10 year - 5.06% 20 year (Refinance) - 4.81% 10 year (Refinance) - 5.11%

December 2018

25 year - 4.99% 20 year - 4.93% 10 year - 5.25% 20 year (Refinance) - 5.04% 10 year (Refinance) - 5.30%

November 2018

25 year - 5.64% 20 year - 5.59% 10 year - 5.59% 20 year (Refinance) - 5.64% 10 year (Refinance) - 5.64%

October 2018

25 year - 5.53% 20 year - 5.49% 10 year - 5.25% 20 year (Refinance) - 5.54% 10 year (Refinance) - 5.30%

September 2018

25 year - 5.29% 20 year - 5.25% 10 year - 5.25% 20 year (Refinance) - 5.30% 10 year (Refinance) - 5.30%

August 2018

25 year - 5.35% 20 year - 5.30% 10 year - 5.30% 20 year (Refinance) - 5.35% 10 year (Refinance) - 5.35%

July 2018

25 year - 5.32% 20 year - 5.26% 10 year - 5.30% 20 year (Refinance) - 5.30% 10 year (Refinance) - 5.36%

June 2018

20 year - 5.32% 10 year - 5.28% 20 year (Refinance) - 5.36%

May 2018

20 year - 5.22% 10 year - 5.28% 20 year (Refinance) - 5.26%

April 2018

20 year - 5.03% 10 year - 5.11% 20 year (Refinance) - 5.08%

March 2018

20 year - 4.92% 10 year - 5.11% 20 year (Refinance) - 4.97%

February 2018

20 year - 4.94% 10 year - 4.66% 20 year (Refinance) - 4.99%

January 2018

20 year - 4.64% 10 year - 4.66% 20 year (Refinance) - 4.69%

December 2017

20 year - 4.50% 10 year - 4.47% 20 year (Refinance) - 4.55%

November 2017

20 year - 4.57% 10 year - 4.47% 20 year (Refinance) - 4.61%

October 2017

20 year - 4.63% 10 year - 4.15% 20 year (Refinance) - 4.68%

September 2017

20 year - 4.38% 10 year - 4.15% 20 year (Refinance) - 4.42%

August 2017

20 year - 4.53% 10 year - 4.49% 20 year (Refinance) - 4.58%

July 2017

20 year - 4.76% 10 year - 4.49% 20 year (Refinance) - 4.80%

June 2017

20 year - 4.60% 10 year - 4.51% 20 year (Refinance) - 4.64%

May 2017

20 year - 4.66% 10 year - 4.51% 20 year (Refinance) - 4.70%

April 2017

20 year - 4.62% 10-year - 4.41%

March 2017

20 year - 4.83% 10 year - 4.81% 20 year (Refinance) - 4.87%

February 2017

20 year - 4.60% 10 year - 4.59% 20 year (Refinance) - 4.64%

January 2017

20 year - 4.58% 10 year - 4.59% 20 year (Refinance) - 4.63%

December 2016

20 year - 4.59% 10 year - 4.34% 20 year (Refinance) - 4.65%

November 2016

20 year - 4.35% 10 year - 4.34% 20 year (Refinance) - 4.4%

October 2016

20 year - 4.26% 10 year - 4.28% 20 year (Refinance) - 4.30%

September 2016

20 year - 4.08% 10 year - 4.28%

August 2016

20 year - 4.09% 10 year - 4.115%

July 2016

20 year - 4.08% 10 year - 4.10%

June 2016

20-year - 4.23% 10 year - 4.20%

May 2016

20 year - 4.31% 10 year - 4.18%

April 2016

20-year - 4.31% 10-year - 4.33%

March 2016

20-year - 4.55% 10-year - 4.31%

February 2016

20-year - 4.55% 10-year - 4.31%

January 2016

20-year - 4.83% 10-year - 4.27%

December 2015

20-year - 4.87% 10-year - 4.13%

November 2015

20-year - 4.74% 10-year - 4.13%

October 2015

20-year - 4.76% 10-year - 4.22%

September 2015

20-year - 4.90% 10-year - 4.22%

August 2015

20-year - 4.90% 10-year - 4.32%

July 2015

20-year - 4.96% 10-year - 4.32%

June 2015

20-year - 5.06% 10-year - 4.38%

May 2015

20-year - 4.85% 10-year - 4.38%

April 2015

20-year - 4.59% 10-year - 4.40%

March 2015

20-year - 4.80% 10-year - 4.40%

February 2015

20-year - 4.54% 10-year - 4.41%

January 2015

20-year - 4.60% 10-year - 4.41%