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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 CT 860-616-1920 ALL CONNECTICUT 20 4 0.964 417
BANK OF AMERICA MI 313-965-4774 SOUTHERN MICHIGAN 20 4.125 0.308 417
BANK OF AMERICA HOME LOANS VA 804-788-2121 ALL VIRGINIA 20 4 0.645 417
BANK OF AMERICA HOME LOANS FL 305-468-4345 ALL FLORIDA 20 4 0.824 417
BANK OF THE WEST AZ 520-544-4700 ALL ARIZONA,CO,MN,NE 20 4.25 0.625 417
CHARTER ONE BANK MI 313-943-4813 CENTRAL,SOUTH MICHIGAN 20 4.25 0 417
CHARTER ONE BANK MI 313-943-4813 CENTRAL,SOUTH MICHIGAN 20 4.125 0.125 650
FIRST BANCORP MORTGAGE OH 513-965-0015 SOUTH OHIO 20 4.25 0 417
FIRST MERIT BANK OH 216-341-3939 ALL OHIO 20 4.25 0 417
FIVE STAR BANK NY 716-699-2366 WESTERN NY & FINGER LAKES 20 4.125 0 417
HUDSON CITY SAVINGS BANK NJ 201-967-1900 ALL NEW JERSEY 20 4.75 0 417
KEY BANK IN 800-487-8334 ALL INDIANA 25 4.125 0 650
KEY BANK OF UTAH UT 801-236-3220 ALL UTAH 25 4.16 0 417
NBT BANK NY 607-337-2265 ALL NEW YORK 5 4.125 0 417
NBT BANK NY 607-337-2265 ALL NEW YORK 20 4.125 0 600
PRINCETON MORTGAGE CORP NJ 609-737-1000 ALL NEW JERSEY,PA(BUCKS) 5 4.125 0 417
UNION SAVINGS BANK CT 203-830-4800 DANBURY METRO 20 4.375 0 1000
US BANK CA 949-798-4200 ALL CALIFORNIA 20 4.375 0 625
VALLEY NATIONAL BANK NY 212-867-6242 ALL NEW YORK 20 3.875 0 1000
WASHINGTON FEDERAL SAVINGS AZ 520-748-7244 ALL ARIZONA 20 4 1 700

 

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

2.990% Rate

15 Yr. Fixed

3.153% APR

$1,380 / month (est)

Learn More

Updated 7/24/2014

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2.750% Rate

15 Yr. Fixed

3.039% APR

$1,357 / month (est)

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Updated 7/24/2014

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3.000% Rate

15 Yr. Fixed

3.350% APR

$1,381 / month (est)

Learn More

Updated 7/24/2014

  • Direct Mortgage Lender
  • Billions Funded
  • Apply Online. Quick approvals.
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3.000% Rate

15 Yr. Fixed

3.144% APR

$1,381 / month (est)

Learn More

Updated 7/24/2014

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3.125% Rate

15 Yr. Fixed

3.476% APR

$1,393 / month (est)

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Updated 7/24/2014

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3.125% Rate

15 Yr. Fixed

3.096% APR

$1,393 / month (est)

Learn More

Updated 7/24/2014

National LenderMember of BBBFHA Approved LenderOffers HARP LoansVA Approved Lender
  • DIRECT LENDER. We can approve and fund loans in less than 30 days.
  • Get a free and no obligation rate quote in Virginia.
  • These rates won't last. Call now and lock-in your low rate!
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3.000% Rate

15 Yr. Fixed

3.384% APR

$1,381 / month (est)

Learn More

Updated 7/24/2014

National LenderExtended Support HoursFHA Approved LenderOffers HARP LoansMember of BBB
  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process
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3.250% Rate

15 Yr. Fixed

3.688% APR

$1,405 / month (est)

Learn More

Updated 7/24/2014

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  • 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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2.7% FIXED Mortgage Rate
  • Low 10-Yr, 15-Yr, 30-Yr Rates. 3.3 APR*
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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 4.16% 0.19 4.16%
15 Year Fixed Rate Mortgage 3.44% 0.10 3.44%
30 Year 5/1 ARM 3.08% 0.08 3.08%
*weekly rolling averages

Show graph data