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30 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 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
ASSOCIATED BANK IL 847-367-1850 ALL ILLINOIS,WI 20 4.875 0 1000
BANK OF AMERICA HOME LOANS VA 804-788-2121 ALL VIRGINIA 20 4.125 0.951 417
BANK OF AMERICA HOME LOANS MI 313-921-7070 DETROIT METRO 20 4.375 0.014 417
BANK OF AMERICA MORTGAGE NY 914-286-5474 ALL NEW YORK 20 4.125 0.177 1000
BENEFICIAL SAVINGS BANK PA 215-864-6000 BUCKS,CHESTER,DELAWARE 5 4.5 0 417
BOILING SPRINGS SAVINGS BANK NJ 201-939-5000 ALL NEW JERSEY 10 4.75 0 417
CITIZENS BANK NY 716-855-2532 WESTERN NEW YORK 20 4.375 0 750
COMERICA MORTGAGE CORP MI 248-371-4500 ALL MICHIGAN 20 4.5 0 417
FIRST-CITIZENS BANK NC 919-716-7121 ALL NORTH CAROLINA 20 4.375 0 417
KEY BANK OR 503-226-7283 PORTLAND METRO 25 5.625 0 650
KEY BANK OF MAINE ME 207-776-7240 ALL MAINE 25 4.52 0 417
LAKE SHORE SAVINGS NY 716-366-4070 CHAUTAUQUA 20 4.625 0 417
NEW ENGLAND CAPITAL MTG CORP MA 781-380-7600 ALL MASSACHUSETTS,NH,RI 20 4.25 0 1000
STRATEGY MORTGAGE CORP CT 203-618-4444 ALL CONNECTICUT,MA,NY 20 4.125 0 2000
TRUSTCO BANK NY 518-377-3311 NORTH,CENTRAL NEW YORK 10 4.25 0 417
WASHINGTON FEDERAL SAVINGS AZ 520-748-7244 ALL ARIZONA 20 4.25 1 700
WELLS FARGO BANK GA 404-865-3010 ALL GEORGIA 20 4.25 1 750
WELLS FARGO HOME MORTGAGE MN 612-667-2178 ALL MINNESOTA 20 4 1 1000
WELLS FARGO HOME MORTGAGE CO 303-464-7247 ALL COLORADO 20 4.25 0 650
WELLS FARGO HOME MORTGAGE CT 203-226-7440 ALL CONNECTICUT 20 4.5 0 575

 

Be sure to see our other loan samples:
15-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

3.125% Rate

15 Yr. Fixed

3.270% APR

$1,393 / month (est)

Learn More

Updated 4/23/2014

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3.375% Rate

15 Yr. Fixed

3.986% APR

$1,418 / month (est)

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Updated 4/23/2014

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3.125% Rate

15 Yr. Fixed

3.476% APR

$1,393 / month (est)

Learn More

Updated 4/23/2014

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3.125% Rate

15 Yr. Fixed

3.436% APR

$1,393 / month (est)

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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