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15 Year Fixed Mortgage Rates: current mortgage rates from lenders in the 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 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 © 2014 HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
BANK OF AMERICA IL 800-432-1000 ALL ILLINOIS 20 3.375 0.087 417
BANK OF AMERICA MORTGAGE TX 210-525-5440 ALL TEXAS 20 3.375 0.327 417
BMO HARRIS BANK WI 262-255-4600 ALL WISCONSIN 20 3.375 0 417
CITIZENS BANK MA 617-282-0592 ALL MA, NEW ENGLAND 20 3.5 0 417
CITIZENS BANK MA 617-282-0592 ALL MA, NEW ENGLAND 25 3.625 0 650
ESB BANK PA 724-934-8988 S.W.PENNSYLVANIA 20 3.125 0 417
MUTUAL OF OMAHA BANK CO 303-346-3600 ALL COLORADO 20 3.625 0 1000
PIONEER SAVINGS BANK NY 518-274-4800 NORTH,CENTRAL NEW YORK 5 3.25 0 417
ROSEDALE FEDERAL S&L MD 410-668-4400 BALTIMORE METRO 20 3.5 0.5 417
SANTANDER BANK CT 860-244-9958 ALL CONNECTICUT 5 3.25 0 417
SAVINGS BANK OF DANBURY CT 203-743-3849 BRDGWTR,DNBRY,RXBRY,SHRMN 20 3.25 0 417
SUNTRUST MORTGAGE MD 410-828-5700 ARUNDEL,BALTIMORE,DC,NO.VA 20 3.1 0 417
THIRD FEDERAL BANK PA 215-968-4444 BUCKS,MONTGMRY,PHILA,CHESTR 20 3.25 0 417
TRIDENT MORTGAGE COMPANY PA 610-889-7600 DELAWARE,CHESTR,MNTGOMRY,BUCKS 20 4 0 650
ULSTER SAVINGS BANK NY 914-686-0220 SOUTHERN NEW YORK 20 3.25 0 1000
ULSTER SAVINGS BANK NY 914-686-0220 SOUTHERN NEW YORK 5 3.25 0 417
US BANK HOME MORTGAGE OH 216-475-8707 ALL OHIO 20 3.5 0 417
WELLS FARGO BANK CO 303-331-5050 ALL COLORADO 20 3.5 0 417
WELLS FARGO HOME MORTGAGE FL 407-622-2770 ALL FLORIDA 20 3.5 0 417
WELLS FARGO HOME MORTGAGE OR 503-225-3574 ALL OREGON 20 3.5 0 417

 

Be sure to see our other loan samples:
30-Year FRMs1-Year ARMs5/1-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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Mortgage refinance rates in Virginia

2.990% Rate

15 Yr. Fixed

3.281% APR

$1,380 / month (est)

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Updated 7/30/2014

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3.250% Rate

15 Yr. Fixed

3.650% APR

$1,405 / month (est)

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Updated 7/30/2014

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2.7% FIXED Mortgage Rate
  • Low 10-Yr, 15-Yr, 30-Yr Rates. 3.3 APR*
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Current Mortgage Rates in United States

Time Range: 6m 1y 2y 5y Looking for other products?

30-Year Fixed
15-Year Fixed
5/1-Year ARM

Mortgage Rates for Jul. 25 - Aug. 01 , 2014*

Product Interest Rate Points National Average
30 Year Fixed Rate Mortgage 4.20% 0.18 4.20%
15 Year Fixed Rate Mortgage 3.48% 0.12 3.48%
30 Year 5/1 ARM 3.15% 0.08 3.15%
*weekly rolling averages

Show graph data