Today's Mortgage Rates
Compare Opendoor's mortgage rates against the market. Updated daily.
30-Year Fixed-Rate Conventional Mortgage
| Opendoor | Market Average | |
|---|---|---|
| Interest Rate | 5.625% | 6.178% |
| APR | 5.645% | 6.198% |
| Lender Fees | $0 | Varies |
| Origination Fees | $0 | Varies |
| Minimum Down Payment | 3% | Varies |
Updated March 23, 2026 · 30-year fixed · 780+ credit score · ≤80% LTV · CA
Available only to qualified buyers on eligible Opendoor properties. 30-year fixed-rate conventional loan. For illustrative purposes only, an example loan at the above Opendoor rate and 5.645% APR: On a $350,000 loan with 20% down, 0% origination fee and $0 in lender fees, and a 720 FICO score, the estimated monthly principal and interest payment would be $2,014.80. Taxes and insurance not included; actual payment obligation will be greater. Rate as of 03/23/2026. The National Average is from Optimal Blue via FRED and is for comparison only. Based on Optimal Blue loan-level lock data (February 2026, conventional conforming 30-year fixed-rate purchase loans), the average borrower paid approximately 0.8 discount points. The Opendoor rate shown above includes 0% origination fee and $0 in lender fees. Equal Housing Lender.
All mortgage services from Opendoor are provided by Opendoor Home Loans LLC; Company NMLS ID #2810193 (www.nmlsconsumeraccess.org); 1295 West Washington Street, Suite 115, Tempe, AZ 85288; (480) 618-6760. This is not an offer for extension of credit or a commitment to lend. Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at the time of your interest rate lock-in, commitment or closing. All loans must satisfy company underwriting guidelines. Interest rates and Annual Percentage Rates (APRs) are: based on recent market rates, for informational purposes only, and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other factors. Terms and conditions apply. Additional loan programs may be available. Opendoor Home Loans LLC is currently licensed to originate mortgage loans in Colorado. Where Opendoor Home Loans is not licensed, information is provided for educational and comparison purposes only and does not constitute an offer to lend.
Opendoor Mortgage Rates vs Other Mortgage Lenders
Over the past 45 days, Opendoor's mortgage rate with no origination fee has averaged 0.738% lower than the market average.
Average mortgage rates for borrowers with 780+ credit and 20%+ down. Opendoor rates may vary by state, credit score, and loan amount. Not all borrowers will qualify. Your rate may be different. Optimal Blue data from FRED (Federal Reserve Economic Data).
Available only to qualified buyers on eligible Opendoor properties. 30-year fixed-rate conventional loan. For illustrative purposes only, an example loan at the above Opendoor rate and 5.645% APR: On a $350,000 loan with 20% down, 0% origination fee and $0 in lender fees, and a 720 FICO score, the estimated monthly principal and interest payment would be $2,014.80. Taxes and insurance not included; actual payment obligation will be greater. Rate as of 03/23/2026. The National Average is from Optimal Blue via FRED and is for comparison only. Based on Optimal Blue loan-level lock data (February 2026, conventional conforming 30-year fixed-rate purchase loans), the average borrower paid approximately 0.8 discount points. The Opendoor rate shown above includes 0% origination fee and $0 in lender fees. Equal Housing Lender.
All mortgage services from Opendoor are provided by Opendoor Home Loans LLC; Company NMLS ID #2810193 (www.nmlsconsumeraccess.org); 1295 West Washington Street, Suite 115, Tempe, AZ 85288; (480) 618-6760. This is not an offer for extension of credit or a commitment to lend. Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at the time of your interest rate lock-in, commitment or closing. All loans must satisfy company underwriting guidelines. Interest rates and Annual Percentage Rates (APRs) are: based on recent market rates, for informational purposes only, and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other factors. Terms and conditions apply. Additional loan programs may be available. Opendoor Home Loans LLC is currently licensed to originate mortgage loans in Colorado. Where Opendoor Home Loans is not licensed, information is provided for educational and comparison purposes only and does not constitute an offer to lend.
Opendoor Interest Rates and Home Affordability
A lower rate means a lower monthly payment. Click the home price to see the difference at different price points.
| 3% down on a home | With Opendoor | At Market Rate |
|---|---|---|
| Rate | 5.625% | 6.178% |
| APR | 5.643% | 6.196% |
| Down Payment | $12,000 | $12,000 |
| Monthly P&I Payment | $2,234 | $2,371 |
| Monthly Savings | $137/mo | — |
Available only to qualified buyers on eligible Opendoor properties. 30-year fixed-rate conventional loan. For illustrative purposes only, an example loan at the above Opendoor rate and 5.643% APR: On a $388,000 loan with 3% down, 0% origination fee and $0 in lender fees, and a 720 FICO score, the estimated monthly principal and interest payment would be $2,233.55. Taxes and insurance not included; actual payment obligation will be greater. Rate as of 03/23/2026. The National Average is from Optimal Blue via FRED and is for comparison only. Based on Optimal Blue loan-level lock data (February 2026, conventional conforming 30-year fixed-rate purchase loans), the average borrower paid approximately 0.8 discount points. The Opendoor rate shown above includes 0% origination fee and $0 in lender fees. Equal Housing Lender.
All mortgage services from Opendoor are provided by Opendoor Home Loans LLC; Company NMLS ID #2810193 (www.nmlsconsumeraccess.org); 1295 West Washington Street, Suite 115, Tempe, AZ 85288; (480) 618-6760. This is not an offer for extension of credit or a commitment to lend. Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at the time of your interest rate lock-in, commitment or closing. All loans must satisfy company underwriting guidelines. Interest rates and Annual Percentage Rates (APRs) are: based on recent market rates, for informational purposes only, and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other factors. Terms and conditions apply. Additional loan programs may be available. Opendoor Home Loans LLC is currently licensed to originate mortgage loans in Colorado. Where Opendoor Home Loans is not licensed, information is provided for educational and comparison purposes only and does not constitute an offer to lend.
See Opendoor Mortgage Rates at Different Credit Scores
See how Opendoor's rates compare to the market average across credit score tiers — with $0 lender fees.
Down Payment: ≤80% (20%+ down)
| Credit Score | Opendoor | Market (Optimal Blue) |
|---|---|---|
| 780+ | 5.625% | 6.178% |
| 740-779 | 5.625% | 6.185% |
| 720-739 | 5.625% | 6.325% |
| 700-719 | 5.625% | 6.407% |
| 680-699 | 5.625% | 6.344% |
Down Payment: >80% (less than 20% down)
| Credit Score | Opendoor | Market (Optimal Blue) |
|---|---|---|
| 780+ | 5.625% | 6.248% |
| 740-779 | 5.625% | 6.318% |
| 720-739 | 5.625% | 6.369% |
| 700-719 | 5.625% | 6.400% |
| 680-699 | 5.625% | 6.472% |
Available only to qualified buyers on eligible Opendoor properties. 30-year fixed-rate conventional loan. For illustrative purposes only, an example loan at the above Opendoor rate and 5.645% APR: On a $350,000 loan with 20% down, 0% origination fee and $0 in lender fees, and a 720 FICO score, the estimated monthly principal and interest payment would be $2,014.80. Taxes and insurance not included; actual payment obligation will be greater. Rate as of 03/23/2026. The National Average is from Optimal Blue via FRED and is for comparison only. Based on Optimal Blue loan-level lock data (February 2026, conventional conforming 30-year fixed-rate purchase loans), the average borrower paid approximately 0.8 discount points. The Opendoor rate shown above includes 0% origination fee and $0 in lender fees. Equal Housing Lender.
All mortgage services from Opendoor are provided by Opendoor Home Loans LLC; Company NMLS ID #2810193 (www.nmlsconsumeraccess.org); 1295 West Washington Street, Suite 115, Tempe, AZ 85288; (480) 618-6760. This is not an offer for extension of credit or a commitment to lend. Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at the time of your interest rate lock-in, commitment or closing. All loans must satisfy company underwriting guidelines. Interest rates and Annual Percentage Rates (APRs) are: based on recent market rates, for informational purposes only, and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other factors. Terms and conditions apply. Additional loan programs may be available. Opendoor Home Loans LLC is currently licensed to originate mortgage loans in Colorado. Where Opendoor Home Loans is not licensed, information is provided for educational and comparison purposes only and does not constitute an offer to lend.
Opendoor Mortgage Rates FAQ
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Last updated: 2026-03-23
