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15 Year Fixed Mortgage Rates: current mortgage rates from lenders in the HSH editorial survey

15-Year Fixed

Mortgage Rates for May 22 - 29 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.95% 0.17 3.95%
15-Year Fixed 3.26% 0.14 3.26%
5/1 ARM 2.98% 0.11 2.98%
*weekly rolling averages

Hide graph data
11/14 12/14 1/15 2/15 3/15 4/15 5/15
15-Year Fixed 3.38 3.34 3.26 3.20 3.25 3.13 3.20
  • Rate changes: Never; fully fixed for entire term
  • Benefits: Stable payments; builds equity faster; lower total interest costs than 30-year term
  • Alternative Strategy: Consider 30-year term and prepaying loan to preserve cash-flow flexibility
  • Useful for: Refinancing to lower total interest cost; retiring mortgage more quickly; building or rebuilding equity more quickly
  • Consider if: Buying second home; refinancing to build equity; paying off mortgage before life event (retirement, etc)
  • When shopping, ask about: If 15-year term makes the payment too high, whether 20-year term is available

  • 2.75% Mortgage Rates
  • Lower Refinance Rates, Find New Quotes
  • (2.83% APR)
  • VA Loans = No Mortgage Insurance
  • 100% Financing, No Down Payment
  • Active or Retired VA Status Ok

Mortgage Refinance rates in Virginia

3.000% Rate

15 Yr. Fixed

3.221% APR

$1,381 / month (est)

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Updated 5/29/2015

National LenderFHA Approved LenderVA Approved LenderOffers HARP LoansExtended Support Hours
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3.000% Rate

15 Yr. Fixed

3.392% APR

$1,381 / month (est)

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Updated 5/29/2015

Immediate Rate LockLow FeesExtended Support HoursOffers HARP LoansNational Lender
  • Get a customized quote in minutes
  • Free 60-day rate lock and no application fee
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2.750% Rate

15 Yr. Fixed

3.034% APR

$1,357 / month (est)

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Updated 5/29/2015

National LenderVA Approved LenderFHA Approved LenderOffers HARP LoansExtended Support Hours
  • Learn how we transformed home lending into an enjoyable experience.
  • We changed the process to make it better, faster and easier for you.
  • You're updated every step of the way. No surprises.
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Mortgage Rates From 2.88% (3.05% APR)
  • $200k Loan for Under $830/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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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, the below mortgage rates are not advertisements. HSH contacts over lenders across the country every week -- the same objective survey we've conducted for over 30 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).

List of Areas List of Areas

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.

All information is Copyright© 2015, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Maximum Loan
1ST BANCORP MORTGAGE OH 513-965-0015 SOUTH OHIO 20 3.25 0 417
ASSURED MORTGAGE, INC WI 262-796-0662 MILWAUKEE METRO 20 3.625 0 650
BANK OF AMERICA NC 336-544-0933 ALL NORTH CAROLINA 25 3.125 1 1000
BANK OF AMERICA MORTGAGE MO 636-305-3370 ALL MISSOURI 20 3.125 0.128 417
BANK OF AMERICA MORTGAGE MO 636-305-3370 ALL MISSOURI 20 3.25 0.275 650
FIFTH THIRD BANK GA 770-973-0229 ALL GEORGIA 20 3.125 0 417
FIRST COUNTY BANK CT 203-323-3165 ALL CONNECTICUT 25 3.125 0 417
FIRST NATIONAL BANK OH 216-631-8900 CLEVELAND METRO 20 3.125 0 417
FIRST- CITIZENS BANK GA 678-338-3400 ALL GEORGIA 20 3.25 0 417
FIRST- CITIZENS BANK GA 678-338-3400 ALL GEORGIA 20 3.625 0 650
ION BANK CT 203-729-5291 NEW HAVEN,LITCHFIELD 20 3 0 417
JOHNSON BANK WI 414-304-7000 ALL WISCONSIN 20 3.1 0 417
NATIONAL BANK OF ARIZONA AZ 520-219-1218 ALL ARIZONA 20 3.5 0 1000
SANTANDER BANK PA 610-526-6379 EASTERN PA 5 2.99 0 417
SANTANDER BANK NJ 609-924-4498 ALL NEW JERSEY 20 3.125 0 1000
US BANK HOME MORTGAGE AZ 480-515-7760 ALL ARIZONA 20 3.25 0 417


Be sure to see our other loan samples:
30-Year FRMs1-Year ARMs5/1-Year Hybrid ARMs


  • 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.