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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
BANK OF AMERICA HOME LOANS VA 703-660-2660 ALL VIRGINIA,WASH DC 20 4.25 0.439 417
BANK OF AMERICA HOME LOANS CA 310-434-1867 ALL CALIFORNIA 20 4.375 0 417
CITIZENS BANK NH 603-634-7000 ALL NEW HAMPSHIRE,ME 20 4.625 0 417
CITIZENS BANK NH 603-634-7000 ALL NEW HAMPSHIRE,ME 25 4.375 0 650
CITIZENS BANK MA 617-282-0592 ALL MA, NEW ENGLAND 20 4.625 0 417
EASTERN BANK MA 800-327-8376 ALL MASSACHUSETTS 20 4.375 0 417
EVERGREEN HOME LOANS WA 206-938-8900 ALL WASHINGTON,CA,OR,ID 20 4.625 1 506
EVERGREEN HOME LOANS WA 206-938-8900 ALL WASHINGTON,CA,OR,ID 10 4.625 1 417
FIRST BANK MORTGAGE MO 800-876-5566 ALL MISSOURI 5 4.375 0 417
FIRST NATIONAL BANK OF PA PA 412-381-4711 PITTSBURGH METRO 20 4.125 0 600
HEARTLAND MORTGAGE MO 800-344-0211 ST LOUIS,JEFFERSON,FRANKLIN 20 4.375 0 650
HEARTLAND MORTGAGE MO 800-344-0211 ST LOUIS,JEFFERSON,FRANKLIN 5 4.375 0 417
ION BANK CT 203-729-5291 NEW HAVEN,LITCHFIELD 20 4.25 0 417
PNC BANK OH 614-463-6500 ALL OHIO 20 4.125 0 650
SUNTRUST MORTGAGE NC 704-362-8520 ALL NORTH CAROLINA,SC 20 4.25 0 417
TD BANK ME 207-774-1733 ALL MAINE 20 4.562 0 417
TD BANK MA 978-556-1031 ALL MASSACHUSETTS 25 4.25 0 1000
US BANK HOME MORTGAGE OH 216-475-8707 ALL OHIO 20 4.5 0 417
WELLS FARGO HOME MORTGAGE FL 407-622-2770 ALL FLORIDA 20 4.5 0 417
WINTRUST MORTGAGE IL 847-939-9500 ALL ILLINOIS 20 4.5 0 1000

 

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

3.375% Rate

15 Yr. Fixed

3.986% APR

$1,418 / month (est)

Learn More

Updated 4/22/2014

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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 4.40% 0.12 4.40%
15 Year Fixed Rate Mortgage 3.60% 0.14 3.60%
30 Year 5/1 ARM 3.17% 0.08 3.17%
*weekly rolling averages

Show graph data