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

15-Year Fixed

Mortgage Rates for Oct. 10 - 17 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.05% 0.14 4.05%
15-Year Fixed 3.36% 0.10 3.36%
5/1 ARM 3.07% 0.12 3.07%
*weekly rolling averages

Show graph data
  • Rate changes: Never; fully fixed for entire term
  • Benefits: Stable payments; builds equity faster; lower total interest costs than 30-year term
  • Alternative Strategy: Consider 30-year term and prepaying loan to preserve cash-flow flexibility
  • Useful for: Refinancing to lower total interest cost; retiring mortgage more quickly; building or rebuilding equity more quickly
  • Consider if: Buying second home; refinancing to build equity; paying off mortgage before life event (retirement, etc)
  • When shopping, ask about: If 15-year term makes the payment too high, whether 20-year term is available

  • $200k Loan for Under $955/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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Mortgage refinance rates in Virginia

3.375% Rate

15 Yr. Fixed

3.781% APR

$1,418 / month (est)

Learn More

Updated 10/17/2014

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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, the below 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
ASSURED MORTGAGE, INC WI 262-796-0662 MILWAUKEE METRO 20 3.25 0 650
BANK OF AMERICA NC 704-386-6188 ALL NORTH CAROLINA 20 3 0.427 417
BANK OF AMERICA HOME LOANS FL 305-468-4345 ALL FLORIDA 20 3.125 0.185 417
CLIFTON SAVINGS BANK, SLA NJ 973-778-6791 ALL NEW JERSEY 25 3.25 0 1000
FIRST MERIT BANK MI 248-258-5300 SOUTHERN MICHIGAN 20 3.125 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 20 3.5 0 625
GOLDEN MORTGAGE CORP NJ 908-927-9100 ALL NEW JERSEY 20 3.375 0 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 20 4.25 0 650
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 5 3.25 0 417
NBT BANK NY 518-673-4919 MONTGOMERY,ESSEX COUNTY 5 3 0 417
NBT BANK NY 518-673-4919 MONTGOMERY,ESSEX COUNTY 20 3 0 600
NORTHFIELD BANK NY 718-448-1000 RICHMOND 20 3.375 0.5 750
ROYAL CREDIT UNION WI 715-833-8111 ALL WISCONSIN 5 3 0 417
STURDY SAVINGS BANK NJ 609-368-8217 CAPE MAY 20 3.625 0 417
TIOGA STATE BANK NY 888-303-4872 TIOGA,BROOME,TMPKNS,CHEMUNG 5 3.375 0 417
UMB BANK MO 816-860-7000 KANSAS CITY METRO 20 3.125 0 417
UMB BANK OK 405-239-5800 ALL OKLAHOMA 20 3.125 0 417
UMB BANK OF ST LOUIS MO 314-919-1150 ALL MISSOURI 20 3.125 0 417
WELLS FARGO HOME MORTGAGE MN 612-667-2178 ALL MINNESOTA 20 3.125 1 1000

 

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.