Current 30-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

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 © 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 GA 404-602-3000 ALL GEORGIA 5 5.125 0 417
BANK OF AMERICA HOME LOANS MA 508-832-4587 ALL MASSACHUSETTS,NH,CT,RI 10 5.125 0.375 417
BANK OF AMERICA HOME LOANS NJ 732-254-6131 ALL NEW JERSEY 10 5.125 0.125 417
BANK OF AMERICA MORTGAGE VA 703-750-4031 NORTH VIRGINIA,WASH DC,MD 20 5 0 417
BRANCH BANKING & TRUST NC 910-487-7500 ALL NORTH CAROLINA 20 5.625 0 1000
CHASE BANK FL 561-640-4521 ALL FLORIDA 20 5 0.375 417
CHASE BANK TX 713-699-5858 ALL TEXAS 20 5.25 1 417
CITIBANK CA 213-627-8274 ALL CALIFORNIA 20 5.25 0 417
CITIBANK, FSB CT 203-321-4600 ALL CONNECTICUT 20 5.25 0 417
EASTERN BANK MA 888-432-6847 ALL MASSACHUSETTS 20 5.25 0 417
FIRSTBANK OF COLORADO CO 303-232-2000 DENVER METRO 5 5 1 417
M & T BANK NY 716-848-7600 ALL NEW YORK 5 5.13 0 417
M & T BANK NY 315-424-4475 ONONDAGA,SYRACUSE 5 5.13 0 417
M & T BANK NY 585-546-0501 UPSTATE NEW YORK 5 5.13 0 417
REGIONS MORTGAGE FL 813-226-1214 ALL FLORIDA 5 5.25 0 417
US BANK CA 213-615-6300 ALL CALIFORNIA 20 6.125 0 1000
US BANK IL 312-455-6115 ALL ILLINOIS 20 6.125 0 650
WACHOVIA MORTGAGE CORP PA 215-786-5980 ALL PENNSYLVANIA 20 5.125 0 417
WELLS FARGO HOME MORTGAGE AZ 480-421-5200 ALL ARIZONA 10 4.875 1 417
WELLS FARGO HOME MORTGAGE OR 503-225-3574 ALL OREGON 20 4.875 1 417

Be sure to see our other loan samples:
15-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.