15 Year Fixed Mortgage Rates: HSH Editorial Survey
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.
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All information is Copyright © 2011 HSH Associates, Financial Publishers, Pompton Plains NJ. All rights reserved.
| Lender | State | Phone | Lending Area | % down |
Rate % |
Points |
Maximum Loan $1,000 |
| B B & T MORTGAGE | GA | 404-897-7680 | ALL GEORGIA | 20 | 3.75 | 0 | 650 |
| BANK OF AMERICA | NC | 336-544-0933 | ALL NORTH CAROLINA | 30 | 3.375 | 1 | 1000 |
| BANK OF AMERICA MORTGAGE | MO | 314-284-3800 | ALL MISSOURI,KS,TN | 5 | 3.625 | 0 | 417 |
| BANK OF AMERICA MORTGAGE | MO | 314-284-3800 | ALL MISSOURI,KS,TN | 20 | 3.5 | 0 | 650 |
| BANK OF AMERICA MORTGAGE | VA | 703-750-4031 | NORTH VIRGINIA,WASH DC,MD | 20 | 3.375 | 0 | 1000 |
| BANK OF AMERICA MORTGAGE | VA | 703-750-4031 | NORTH VIRGINIA,WASH DC,MD | 20 | 3.125 | 0 | 417 |
| BREMER BANK | MN | 651-770-8441 | ALL MINNESOTA | 20 | 3.875 | 1 | 650 |
| FIRST-CITIZENS BANK | FL | 954-771-6948 | MIAMI METROPOLITAN AREA | 20 | 3.25 | 0 | 417 |
| FIRST-CITIZENS BANK | NC | 336-631-2400 | ALL NORTH CAROLINA | 20 | 3.125 | 0 | 417 |
| GLEN ROCK SAVINGS BANK | NJ | 973-636-5888 | NORTHERN NEW JERSEY | 20 | 3.25 | 0 | 417 |
| GOLDEN MORTGAGE CORP | NJ | 908-927-9100 | ALL NEW JERSEY | 20 | 3.625 | 0 | 750 |
| GOLDEN MORTGAGE CORP | NJ | 908-927-9100 | ALL NEW JERSEY | 25 | 3.475 | 0 | 625 |
| HUNTINGTON MORTGAGE COMPANY | OH | 216-447-4424 | NORTHERN OHIO | 5 | 3.125 | 0 | 417 |
| HUNTINGTON MORTGAGE COMPANY | OH | 614-480-6505 | ALL OHIO | 5 | 3.125 | 0 | 417 |
| INVESTORS SAVINGS BANK | NJ | 800-965-3006 | ALL NEW JERSEY | 20 | 3.5 | 0 | 750 |
| RBC BANK USA | NC | 919-687-3718 | ALL NORTH CAROLINA | 20 | 3.25 | 1 | 417 |
| SOVEREIGN BANK | PA | 215-451-1626 | EASTERN PA | 20 | 3.625 | 0 | 1000 |
| SOVEREIGN BANK | NJ | 609-924-4498 | ALL NEW JERSEY | 20 | 3.625 | 0 | 1000 |
| STERLING SAVINGS BANK | OR | 888-287-1597 | ALL OREGON | 20 | 3.125 | 1 | 417 |
| SUMMIT CREDIT UNION | WI | 608-243-5000 | ALL WISCONSIN | 20 | 3.125 | 0 | 417 |
| 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.
