Great rates can be found at Ion Bank.

Personalized service and competitive rates whether you’re purchasing or refinancing your home. That’s the difference you’ll find at Ion Bank.

Rates as of Thursday, September 23, 2021


Conventional Fixed Rate

Up to $548,250
1 Family up to 95% LTV
Condo up to 95% LTV
2-4 Family up to 80% LTV

Loan ProgramInterest RatePointsAPRPayment per $1,000Payments
30 Year3.000%0.0003.010%$4.22Calculate Payments
30 Year2.875%1.0002.963%$4.15Calculate Payments
20 Year2.750%0.0002.763%$5.43Calculate Payments
20 Year2.625%1.0002.749%$5.37Calculate Payments
15 Year2.375%0.0002.517%$6.68Calculate Payments
15 Year2.250%1.0002.535%$6.62Calculate Payments
30 Year3.000%0.0003.010%$4.22Calculate Payments
30 Year2.875%1.0002.963%$4.15Calculate Payments
20 Year2.750%0.0002.763%$5.43Calculate Payments
20 Year2.625%1.0002.749%$5.37Calculate Payments
15 Year2.375%0.0002.517%$6.68Calculate Payments
15 Year2.250%1.0002.535%$6.62Calculate Payments
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Conventional Fixed Rate Jumbo Loans

$548,250 and up
1 Family up to 95% LTV
Condo up to 95% LTV
2-4 Family up to 80% LTV

Loan ProgramInterest RatePointsAPRPayment per $1,000Payments
30 Year5.000%0.0005.011%$5.37Calculate Payments
30 Year4.875%1.0004.974%$5.30Calculate Payments
20 Year4.875%0.0004.890%$6.54Calculate Payments
20 Year4.750%1.0004.884%$6.47Calculate Payments
15 Year4.500%0.0004.518%$7.66Calculate Payments
15 Year4.375%1.0004.544%$7.60Calculate Payments
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Adjustable Rates

1 Year Variable Rate

Margin 2.75 over Treasury Bill
30 Years up to $1,000,000.00
2 – 6 Caps
1 Family up to 97% LTV
Condo up to 95% LTV
2-4 Family up to 80% LTV

Interest RatePointsAPRFully Indexed RatePayment per $1,000Payments
3.000%0.0002.894%2.875%$4.22Calculate Payments
2.875%1.0002.963%2.875%$4.15Calculate Payments
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3/1 ARM

Margin 2.75 over Treasury Bill
30 Years up to $1,000,000.00
2 – 6 Caps
1 Family up to 97% LTV
Condo up to 95% LTV
2-4 Family up to 80% LTV

Interest RatePointsAPRFully Indexed RatePayment per $1,000Payments
3.125%0.0002.939%2.875%$4.29Calculate Payments
3.000%1.0002.990%2.875%$4.22Calculate Payments
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5/1 ARM

Margin 2.75 over Treasury Bill
30 Years up to $1,000,000.00
2 – 5 Caps
1 Family up to 97% LTV
Condo up to 95% LTV
2-4 Family up to 80% LTV

Interest RatePointsAPRFully Indexed RatePayment per $1,000Payments
3.250%0.0003.014%2.875%$4.36Calculate Payments
3.125%1.0003.050%2.875%$4.29Calculate Payments
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10/1 ARM

Margin 2.75 over Treasury Bill
30 Years up to $1,000,000.00
2 – 5 Caps
1 Family up to 97% LTV
Condo up to 95% LTV
2-4 Family up to 80% LTV

Interest RatePointsAPRFully Indexed RatePayment per $1,000Payments
3.375%0.0002.921%2.875%$4.43Calculate Payments
3.250%1.0002.990%2.875%$4.36Calculate Payments
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Rates and terms described are for owner-occupied properties only and assume 20% down payment. Low down payment programs are also available. Rates are subject to change without notice. Variable and Adjustable rates may increase during the term of the loan.

All mortgages with less than 20% down payment may require PMI (Private Mortgage Insurance). The rate and point structure will be the same as mortgages with a 20% down payment.

Interest rates are subject to credit and property approval based upon secondary market guidelines. Interest rates and APRs may vary depending on loan details, such as points, loan amount, your credit and property occupancy. The rates shown are available to borrowers with a satisfactory credit history. Your rate may vary based upon your credit history and other loan details. All information provided assumes a loan amount of $150,000 with 20% down.