Discover mortgage refinance rates at Citizens to access cash, reduce payments, Today's mortgage refinance rates await you. 30-Year Fixed Rate. Monthly Average Commitment Rate And Points On 30-Year Fixed-Rate Mortgages Since 1971. 2022, 2021, 2020, 2019, 2018. Rate, Pts, Rate, Pts, Rate. With Mortgage First,3 offered by Schwab Bank's home loan provider Rocket Mortgage, Discount applies to ARMs, Jumbo 15-yr and Jumbo 30-yr fixed (excludes.