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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
APPLE BANK FOR SAVINGS NY 800-722-6888 ALL NEW YORK 5 4.625 0 417
APPLE BANK FOR SAVINGS NY 800-722-6888 ALL NEW YORK 25 4.875 0 1250
CENTENNIAL BANK FL 407-975-0871 ALL FLORIDA 20 4 0 417
COMMERCE BANK MO 314-726-2255 ST LOUIS,JFFRSON,ST CHARLES 10 4.25 0 650
COMMUNITY MUTUAL SAVINGS NY 914-422-2700 ROCKLAND,PUTNAM,WESTCHESTER 5 4.375 0 417
COMMUNITY MUTUAL SAVINGS NY 914-422-2700 ROCKLAND,PUTNAM,WESTCHESTER 20 4.375 0 625
CONNECTICUT FINANCIAL MORTGAGE CT 203-325-2215 ALL CONNECTICUT 20 4.125 0 1000
CONNECTICUT FINANCIAL MORTGAGE CT 203-325-2215 ALL CONNECTICUT 5 4.125 0 417
EMIGRANT MORTGAGE COMPANY NY 212-850-4848 NYC,QUEENS,BROOKLYN,LI 25 4.125 0 417
EMIGRANT MORTGAGE COMPANY NY 212-850-4848 NYC,QUEENS,BROOKLYN,LI 25 4.25 0 625
FIFTH THIRD BANK MO 636-825-0843 ALL MISSOURI 20 4.25 0 417
HART WEST FINANCIAL, INC AZ 480-596-5151 ALL ARIZONA 25 4 0 417
MILFORD FEDERAL SAVINGS BANK MA 800-478-6990 ALL MASSACHUSETTS,RI 20 4.1 0 417
NORTHWEST SAVINGS BANK PA 412-851-1493 ALL PENNSYLVANIA 20 5 0 700
PNC MORTGAGE FL 561-526-4023 ALL FLORIDA 20 4 0 1500
SPENCER SAVINGS BANK NJ 201-703-3800 ALL NEW JERSEY 20 4 0 417
SPENCER SAVINGS BANK NJ 201-703-3800 ALL NEW JERSEY 20 4 0 1000
STURDY SAVINGS BANK NJ 609-368-8217 CAPE MAY 20 4.5 0 417
SUN NATIONAL BANK NJ 856-205-0700 ALL NEW JERSEY 20 4.125 0 417
SUNTRUST MORTGAGE VA 703-691-4520 WASHINGTON DC METRO 20 4.2 0 417

 

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

3.250% Rate

15 Yr. Fixed

3.707% APR

$1,405 / month (est)

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Updated 7/25/2014

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Current Mortgage Rates in United States

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

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

Mortgage Rates for Jul. 18 - 25 , 2014*

Product Interest Rate Points National Average
30 Year Fixed Rate Mortgage 4.17% 0.17 4.17%
15 Year Fixed Rate Mortgage 3.43% 0.09 3.43%
30 Year 5/1 ARM 3.08% 0.07 3.08%
*weekly rolling averages

Show graph data