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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 © 2013 HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
BEAR CREEK MORTGAGE CO 719-591-1111 ALL COLORADO 5 3.625 0 417
BOGOTA SAVINGS BANK NJ 201-862-1179 NORTHERN & CENTRAL NJ 20 3.375 0 417
CAPITAL BANK NC 919-645-6449 ALL NORTH CAROLINA 20 3.375 0 417
CHARTER ONE MORTGAGE VA 800-288-5569 ALL VIRGINIA,WASH DC,MD 20 3.625 0 417
CHARTER ONE MORTGAGE VA 800-288-5569 ALL VIRGINIA,WASH DC,MD 20 3.5 0 750
CHASE BANK AZ 480-324-1354 ALL ARIZONA 20 4 0 1000
CHASE BANK FL 305-443-3969 ALL FLORIDA 30 3.625 0.25 1000
FIRST-CITIZENS BANK NC 910-792-6670 ALL NORTH CAROLINA 20 3.375 0.25 417
FIRSTBANK OF COLORADO CO 303-232-2000 DENVER METRO 5 3.375 1 417
FLUSHING BANK NY 718-961-5400 QUEENS,NASSAU,SUFFOLK 25 5 0 1000
HOMESTREET BANK OR 503-652-4313 ALL OREGON 20 3.375 1 417
KEY BANK CO 303-744-3228 ALL COLORADO 25 3.78 0 417
KEY BANK IN 800-487-8334 ALL INDIANA 25 3.78 0 417
KEY BANK OF ALASKA AK 800-487-8334 ALL ALASKA 25 3.78 0 417
KEY BANK OF UTAH UT 801-236-3220 ALL UTAH 25 3.78 0 417
STRATEGY MORTGAGE CORP CT 203-618-4444 ALL CONNECTICUT,MA,NY 20 3.5 0 1000
TD BANK MA 617-742-9501 ALL MASSACHUSETTS 25 3.875 0 1000
UMB BANK OK 405-239-5800 ALL OKLAHOMA 20 3.5 0 417
UNION SAVINGS BANK CT 203-830-4800 DANBURY METRO 10 3.5 0 417
WEST VIEW SAVINGS BANK PA 724-935-7400 SOUTH BUTLER,ALEGHENY 5 3.125 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

3.375% Rate

15 Yr. Fixed

3.986% APR

$1,418 / month (est)

Learn More

Updated 4/23/2014

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Current Mortgage Rates in United States

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

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

Mortgage Rates for Apr. 18 - 25 , 2014*

Product Interest Rate Points National Average
30 Year Fixed Rate Mortgage 4.41% 0.12 4.41%
15 Year Fixed Rate Mortgage 3.59% 0.13 3.59%
30 Year 5/1 ARM 3.15% 0.08 3.15%
*weekly rolling averages

Show graph data