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).

List of Areas List of Areas

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All information is Copyright © 2009 HSH Associates, Financial Publishers, Pompton Plains NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
BANK OF AMERICA HOME LOANS CA 415-436-5156 ALL CALIFORNIA 20 4.5 0 417
BANK OF AMERICA HOME LOANS CA 818-502-8713 ALL CALIFORNIA 20 4.5 0 417
BANK OF AMERICA HOME LOANS CO 720-200-6000 ALL COLORADO 20 4.5 0 417
BANK OF AMERICA NC 336-805-3870 ALL NORTH CAROLINA 30 5.125 1 1000
BANK OF AMERICA HOME LOANS GA 404-602-3000 ALL GEORGIA 20 5.375 0 650
BANK OF AMERICA HOME LOANS NJ 732-254-6131 ALL NEW JERSEY 10 4.5 0 417
BANK OF AMERICA MORTGAGE NY 914-286-5474 ALL NEW YORK 20 4.75 0 417
BRANCH BANKING & TRUST NC 910-487-7500 ALL NORTH CAROLINA 20 4.875 0 1000
CHASE BANK GA 678-354-6278 ALL GEORGIA 20 6.25 0 1000
CHASE HOME FINANCE TX 281-897-3730 DALLAS,HOUSTON 20 5.75 0 650
CHASE HOME LOANS VA 703-641-6200 ALL VIRGINIA,WASH DC,MD 20 4.625 0 417
CITIBANK, FSB CT 203-321-4600 ALL CONNECTICUT 20 4.625 0 417
CITIBANK, FSB IL 312-977-5131 ALL ILLINOIS 20 4.625 0 417
CITIBANK CA 925-254-1701 ALL CALIFORNIA 20 4.75 0 417
DIME SVGS OF WILLIAMSBURGH NY 718-782-6200 ALL NEW YORK,NJ(50 MILE RAD) 5 4.33 1 417
KEY BANK NY 845-365-4816 ALL NEW YORK 5 4.5 0 417
NATIONAL CITY MORTGAGE CO MA 508-473-3404 ALL MASSACHUSETTS 10 4.5 0 417
SOVEREIGN BANK CT 860-244-9958 ALL CONNECTICUT 5 4.5 0 417
SOVEREIGN BANK MA 508-732-1900 ALL MASSACHUSETTS 5 4.5 0 417
US BANK IL 312-455-6115 ALL ILLINOIS 20 5.375 0 650

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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