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 | 4.990% | 5.902% |
| Lender Fees | $0 | Varies |
| Discount Points | None | Varies |
| Origination Fees | $0 | Varies |
| Minimum Down Payment | 3% | Varies |
Updated March 2, 2026 · 30-year fixed · 780+ credit score · ≤80% LTV · CA
Opendoor: Interest rate shown is for a 30-year fixed conventional mortgage with $0 lender fees, no discount points, and no origination fees. Rate assumes 780+ credit score and ≤80% LTV in CA. Not all borrowers will qualify. Rates vary by state, credit score, down payment, and loan amount. Rates shown are for informational purposes only and do not constitute a loan commitment, rate lock, or guarantee. Your actual rate, APR, and loan terms may differ based on your specific financial situation. Homebuyer.com is operated by Opendoor Home Loans LLC (NMLS #2810193). NMLS Consumer Access. Equal Housing Lender.
Market Average: Sourced from the Optimal Blue Mortgage Market Indices via FRED (Federal Reserve Economic Data). Represents the average rate across multiple lenders for similar loan parameters. Does not reflect any single lender's offer.
Opendoor Mortgage Rates vs Other Mortgage Lenders
Over the past 30 days, Opendoor's $0 lender fee, 0 discount point rate has averaged 0.787% 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).
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 | 4.990% | 5.902% |
| Down Payment | $12,000 | $12,000 |
| Monthly P&I Payment | $2,080 | $2,302 |
| Monthly Savings | $222/mo | — |
Principal and interest only. Does not include taxes, insurance, or PMI. With 3% down, private mortgage insurance (PMI) will apply until you reach 20% equity. Not all borrowers will qualify. Your actual rate may differ. NMLS #2810193.
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 and no discount points.
Down Payment: ≤80% (20%+ down)
| Credit Score | Opendoor | Market (Optimal Blue) |
|---|---|---|
| 780+ | 4.990% | 5.902% |
| 740-779 | 5.125% | 5.951% |
| 720-739 | 5.250% | 6.085% |
| 700-719 | 5.250% | 6.080% |
| 680-699 | 5.375% | 6.161% |
Down Payment: >80% (less than 20% down)
| Credit Score | Opendoor | Market (Optimal Blue) |
|---|---|---|
| 780+ | 5.000% | 5.966% |
| 740-779 | 5.250% | 6.075% |
| 720-739 | 5.250% | 6.138% |
| 700-719 | 5.375% | 6.222% |
| 680-699 | 5.375% | 6.190% |
Interest rates shown are for informational purposes only. Opendoor rates reflect $0 lender fees, no discount points, and no origination fees. Optimal Blue rates are market averages via FRED. Not all borrowers will qualify. Your actual rate may differ. NMLS #2810193.
Opendoor Mortgage Rates FAQ
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Why is Opendoor's rate lower than the market average?
What is the minimum down payment for an Opendoor mortgage?
What is Optimal Blue and why is it used as a benchmark?
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Disclosure: Homebuyer.com is operated by Opendoor Home Loans LLC (NMLS #2810193), 1295 W Washington St, Suite 115, Tempe, AZ 85288. 480-618-6760. NMLS Consumer Access. Rates are for illustrative purposes and do not constitute a loan commitment or rate lock agreement. Not all borrowers will qualify. Equal Housing Opportunity.
Last updated: 2026-03-03
