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 NY 518-786-3600 CAPITAL,SURROUNDING DISTRCT 10 4.75 0 417
BANK OF AMERICA NY 516-559-8052 ALL NEW YORK 20 4.5 0 417
BANK OF AMERICA OR 503-275-1777 ALL OREGON 20 4.375 0 417
CHASE BANK TX 713-699-5858 ALL TEXAS 20 4.375 1 417
CHASE BANK TX 214-599-9224 ALL TEXAS 20 5.75 0 650
CHASE HOME LOANS VA 703-641-6200 ALL VIRGINIA,WASH DC,MD 20 4.5 0 417
CHASE MANHATTAN MORTGAGE PA 215-641-0900 ALL PENNSYLVANIA 5 4.375 0.375 417
CHASE MANHATTAN MORTGAGE NY 212-696-3190 ALL NEW YORK 20 5.875 0 1000
CITIBANK, FSB NY 718-472-3400 ALL NEW YORK 20 4 2 417
HARRIS BANK IL 630-790-1102 ALL ILLINOIS 20 4.5 0 417
KEY BANK NY 518-449-4082 ALL NEW YORK 5 4.375 0 417
KEY BANK NY 845-365-4816 ALL NEW YORK 5 4.375 0 417
METLIFE HOME LOANS AZ 480-838-5800 ALL ARIZONA 20 4.375 1 417
MIDDLESEX SAVINGS BANK MA 508-653-0300 BOSTON METRO 20 4.75 0 417
SUFFOLK COUNTY NATIONAL BANK NY 631-208-2244 LONG ISLAND 20 4.375 0 417
WASHINGTON MUTUAL BANK OR 503-698-8191 ALL OREGON 20 4.375 0.625 417
WELLS FARGO BANK MN 507-285-2960 ALL MINNESOTA 10 4.25 1 417
WELLS FARGO HOME MORTGAGE NJ 877-282-2045 ALL NEW JERSEY 5 4.625 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.

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