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

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

Mortgage Rates for Aug. 22 - 29 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.18% 0.17 4.18%
15-Year Fixed 3.47% 0.17 3.47%
5/1 ARM 3.17% 0.10 3.17%
*weekly rolling averages

Show graph data

Date: Aug 26, 2014

HSH.com releases its latest Weekly Mortgage Rates Radar showing the barest of moves for mortgage rates in the seven-day period ending August 26, with nothing to change the recent stable pattern as summer comes to an unofficial end. The Weekly Mortgage Rates Radar reports the average rates and points offered by lenders for the two most popular types of mortgages, the conforming 30-year fixed-rate mortgage and the conforming 5/1 adjustable-rate mortgage (ARM).

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Mortgage refinance rates in Virginia

3.250% Rate

15 Yr. Fixed

3.657% APR

$1,405 / month (est)

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Updated 8/27/2014

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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, 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
B B & T MORTGAGE GA 770-425-2265 ALL GEORGIA 20 3.25 0 650
BANK OF AMERICA CT 203-899-2551 ALL CONNECTICUT 20 3.375 0.47 650
BANK OF AMERICA NC 919-829-6664 ALL NORTH CAROLINA 20 3.25 0.16 417
BANK OF AMERICA MORTGAGE TX 210-525-5440 ALL TEXAS 20 3.625 0.047 650
CHARTER ONE MORTGAGE VA 800-288-5569 ALL VIRGINIA,WASH DC,MD 20 3.5 0 750
CITIBANK, FSB FL 305-599-5505 DADE, BROWARD, PALM BEACH 20 3.375 0 417
DEDHAM SAVINGS BANK MA 508-668-4600 ALL MASSACHUSETTS 20 3.25 0 417
ESB BANK PA 724-934-8988 S.W.PENNSYLVANIA 20 3 0 417
FIRST MERIT BANK OH 216-341-3939 ALL OHIO 20 3.375 0 417
HUDSON CITY SAVINGS BANK NJ 201-967-1900 ALL NEW JERSEY 20 3.5 0 1000
MASPETH FEDERAL S&L NY 718-651-7888 ALL NEW YORK 25 3.5 0 417
NORTHWEST SAVINGS BANK PA 412-851-1493 ALL PENNSYLVANIA 20 3.125 0 417
PNC MORTGAGE CA 925-210-8100 ALL CALIFORNIA 20 3.625 0 417
ROSS MORTGAGE CORP MI 248-968-1800 DETROIT METRO 5 3.5 1 417
SANTANDER BANK CT 860-244-9958 ALL CONNECTICUT 5 3.25 0 417
SANTANDER BANK CT 860-244-9958 ALL CONNECTICUT 20 3.25 0 1000
SANTANDER BANK MA 508-370-0601 ALL MASSACHUSETTS 5 3.25 0 417
THE EQUITABLE BANK, SSB WI 414-476-6434 MILWAUKEE METRO 20 3.125 0 417
UNION SAVINGS BANK CT 203-830-4800 DANBURY METRO 20 3.5 0 1000
US BANK HOME MORTGAGE OH 513-458-2700 ALL OHIO 20 3.75 0 500

 

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.