Current 15-year Fixed Rate Mortgages (FRMs) from the HSH Survey

Current 15-year Fixed Rate Mortgages from HSH's editorial survey -- updated daily!

Here's a small random sample of loan rates drawn from the survey of objective information we collect every day. Our database contains current data on thousands of loans from lenders coast to coast -- including jumbo loans.

Unlike other 'surveys,' and other Web sites, these mortgage rates are not advertisements. HSH contacts over 2,000 lenders across the country every week -- the same objective survey we've conducted for over 25 years. Our data is so reliable that it's used by Fortune 500 companies, government agencies, the media, and other clients.

These are representative of loans which may be offered in your area, but we don't claim that these are the "best" available. There are many factors which make the "best" loan dependent upon your individual circumstance.

Ready to order your comprehensive list of local lenders? We can email the latest mortgage report to you for just $10 (plus $1 s/h). It includes the application fee, APR, rate-lock info, index, margin, and caps on 3 or more loans per lender. Or you can order it as part of our Homebuyer's Mortgage Kit, which is just $20 (plus $3 s/h).

To order a report for your area by Phone, just call 1-800-873-2837 (Mon-Fri, 9am-5pm Eastern time); Visa and MasterCard accepted.

Lender	State	Phone	Lending Area	% down	Rate %	Points	Maximum Loan $1,000
ACADEMY BANK	CO	303-696-3961	ALL COLORADO	5	5.75	0	417
BANK MUTUAL	WI	414-764-3400	ALL WISCONSIN	5	4.3	0	417
BANK OF AMERICA HOME LOANS	NJ	732-254-6131	ALL NEW JERSEY	10	4.25	0.5	417
BANKATLANTIC	FL	813-931-8855	ALL FLORIDA	20	4.5	0	417
CHASE BANK	OR	503-698-8191	ALL OREGON	20	4.25	1	417
CHASE HOME FINANCE	MD	410-751-2840	ALL MARYLAND,SOUTHERN PA	5	4.5	0	417
CITIBANK	CA	213-627-8274	ALL CALIFORNIA	20	4.75	0	417
CITIBANK	MD	301-961-3451	ALL MARYLAND	20	4.25	0	417
CITIZENS BANK	MA	617-282-0592	ALL MA, NEW ENGLAND	20	4.375	0	417
CITIZENS MORTGAGE CORP	NH	603-634-7000	ALL NEW HAMPSHIRE,ME	20	4.375	0	417
EVERGREEN HOME LOANS	WA	206-938-8900	ALL WASHINGTON,CA,OR,ID	10	4.375	1	417
FIRST BANCORP MORTGAGE	OH	513-965-0015	SOUTH OHIO	20	4.625	0	417
FIRST SAVINGS BANK NORTHWEST	WA	425-255-4400	KING,SNOHOMISH,PIERCE	20	4.875	1	417
FIRSTBANK OF COLORADO	CO	303-232-2000	DENVER METRO	5	4.375	1	417
NATIONAL BANK OF ARIZONA	AZ	520-571-1500	ALL ARIZONA	5	4.25	1	417
PNC MORTGAGE	TX	832-717-3010	ALL TEXAS	5	4.375	0	417
ROSS MORTGAGE CORP	MI	248-968-1800	DETROIT METRO	5	4.5	1	417
ROYAL CREDIT UNION	WI	715-833-8111	ALL WISCONSIN	5	4.375	0	417
UNION BANK	OR	503-225-3636	ALL OREGON	20	5.75	0	417
US BANK	MN	763-417-7000	ALL MINNESOTA	20	4.875	1	1000

Be sure to see our other loan samples:
30-Year FRMs	1-Year ARMs	5/1-Year Hybrid ARMs

Notes:

All interest rates and terms are subject to change without notice.
These lenders offer many different loan programs. If you want one that isn't listed, contact the lender directly.
The conforming loan limit for a one-family home is $417,000; two- to four-family homes have higher loan amounts.
Lenders which offer conforming loans almost always offer jumbo loans as well.

Column heading key

Lender: The institution. If a credit union, you'll need to contact them for membership information and details.

State: The state in which the lender is located.

Phone: The lender's contact number.

Lending Area: The area which the listed office serves.

Adjustment Period: How often the interest rate adjusts (in years).

Term:The total term of the mortgage.

Down Payment: The required down payment for the listed loan.

Interest Rate: The interest rate being charged for the listed loan.

Points: A fee, expressed as a percentage of the loan amount.
One point is equal to a 1% fee; a 1% fee on $100,000 would be a $1000 fee.

Maximum Loan: The maximum dollar amount available at the listed rates and terms.

Index Used: The name of the index used to govern rate changes.

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