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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 Sep. 12 - 19 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.30% 0.18 4.30%
15-Year Fixed 3.60% 0.18 3.60%
5/1 ARM 3.31% 0.16 3.31%
*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 20-year term makes payment too high, whether 25-year term is available

  • $200k Loan for Under $790/Month
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  • We still have Low 10-Yr, 30-Yr and 15-Yr Fixed Rates.
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Mortgage refinance rates in Virginia

3.500% Rate

15 Yr. Fixed

3.944% APR

$1,430 / month (est)

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Updated 9/16/2014

  • We close our loans FAST - many in 30 days or less!
  • Rates are still historically low! Lock in a low rate and payment today.
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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
BANK MUTUAL WI 715-833-7700 ALL WISCONSIN 20 4 0 1000
CHASE BANK OR 503-238-3100 ALL OREGON 20 3.875 0.25 1000
CHASE BANK MA 800-692-8300 ALL MASSACHUSETTS,NH,RI,ME 10 4 0 417
CHASE BANK OR 503-238-3100 ALL OREGON 20 3.5 0.625 417
CITIBANK, FSB CA 415-981-3180 ALL CALIFORNIA 20 3.375 1 417
CITIZENS BANK NY 585-671-0200 ALL NEW YORK 20 3.625 0 417
CITIZENS INDEPENDENT BANK MN 952-935-3333 ALL MINNESOTA 20 3.125 0 417
COMERICA MORTGAGE CORP MI 248-371-4500 ALL MICHIGAN 20 3.5 0 417
CROSS COUNTY SAVINGS BANK NY 718-651-4600 5 BOROUGHS 5 4.5 0 417
EASTERN BANK MA 800-327-8376 ALL MASSACHUSETTS 20 3.375 0 417
FIFTH THIRD BANK NC 919-573-1930 ALL NORTH CAROLINA 20 3.5 0 417
FIRST BANK OF SEA ISLE CITY NJ 609-263-7823 CAPE MAY 20 3.25 0 600
M & T BANK MORTGAGE DIVISION CO 303-779-8858 ALL COLORADO 5 3.625 0 417
M & T BANK MORTGAGE DIVISION CO 303-779-8858 ALL COLORADO 20 3.875 0 1000
NORTHWEST SAVINGS BANK PA 412-851-1493 ALL PENNSYLVANIA 20 3.25 0 417
SUNTRUST MORTGAGE MD 410-828-5700 ARUNDEL,BALTIMORE,DC,NO.VA 20 3.3 0.08 417
TD BANK ME 207-774-1733 ALL MAINE 20 3.562 0 417
UMB BANK OK 405-239-5800 ALL OKLAHOMA 20 3.5 0 417
WELLS FARGO HOME MORTGAGE OR 503-225-3574 ALL OREGON 20 3.625 0 417
WEST VIEW SAVINGS BANK PA 724-935-7400 SOUTH BUTLER,ALEGHENY 20 2.95 0 650

 

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.