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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 © 2014 HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
BANK OF AMERICA OR 503-279-3200 ALL OREGON 20 4.25 0.059 1000
BANK OF CASTILE NY 585-493-2576 ALL NEW YORK 20 4.125 0 417
BENEFICIAL SAVINGS BANK PA 215-864-6000 BUCKS,CHESTER,DELAWARE 20 4.25 0 650
CHASE BANK FL 727-518-0449 ALL FLORIDA 20 4.375 0.25 417
CHASE HOME FINANCE MD 410-992-6660 ALL MARYLAND,SOUTHERN PA 20 4.25 0 600
FIRST MERIT BANK OH 216-341-3939 ALL OHIO 20 4.25 0 417
FIRST-CITIZENS BANK NC 919-716-7121 ALL NORTH CAROLINA 20 4.25 0 417
JOHNSON BANK WI 920-225-5500 ALL WISCONSIN 20 4.25 0 417
JOHNSON BANK WI 920-225-5500 ALL WISCONSIN 20 4.25 0 650
NATIONAL BANK OF ARIZONA AZ 602-235-6000 ALL ARIZONA 20 4 0.125 417
REGIONS BANK FL 305-541-4547 ALL FLORIDA 20 4.5 0 417
REGIONS MORTGAGE MO 636-386-8072 ALL MISSOURI 5 4.5 0 417
ROSELLE SAVINGS BANK NJ 908-221-9100 SMRST,MRS,UNION,MDLSX,HNTRD 10 4 0 417
THE EQUITABLE BANK, SSB WI 414-476-6434 MILWAUKEE METRO 20 4.125 0 417
UMB BANK OK 405-239-5800 ALL OKLAHOMA 20 4.375 0 417
VECTRA BANK CO 720-947-7500 ALL COLORADO 20 4.25 0 500
WEBSTER BANK CT 203-291-7880 ALL CONNECTICUT 10 4.25 0 417
WEBSTER BANK MA 508-679-8181 ALL MASSACHUSETTS,RI 10 4.25 0 417
WELLS FARGO HOME MORTGAGE AZ 480-927-1684 ALL ARIZONA 20 4.25 0 1000
WELLS FARGO HOME MORTGAGE CO 303-464-7247 ALL COLORADO 20 4.25 0 650

 

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

3.477% APR

$1,393 / month (est)

Learn More

Updated 7/31/2014

  • Direct Mortgage Lender
  • Billions Funded
  • Apply Online. Quick approvals.
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2.875% Rate

15 Yr. Fixed

3.265% APR

$1,369 / month (est)

Learn More

Updated 7/31/2014

Member of BBBNational LenderLow FeesImmediate Rate LockVA Approved Lender
  • FDIC Bank - We Lend Our Own Money And Close Fast
  • Get online rates, payments and a Good Faith Estimate
  • Click GO To Talk To A Loan Expert Today!
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3.000% Rate

15 Yr. Fixed

3.144% APR

$1,381 / month (est)

Learn More

Updated 7/31/2014

  • Apply & Lock Rate 24/7!
  • View Good Faith Estimate Online 24/7!
  • All Lender & 3rd Party Fees Guaranteed, per Online GFE!
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3.250% Rate

15 Yr. Fixed

3.602% APR

$1,405 / month (est)

Learn More

Updated 7/31/2014

Immediate Rate LockLow FeesExtended Support HoursOffers HARP LoansNational Lender
  • Saving just makes sense. Get $1000 Off Closing Costs.
  • Get a customized quote in minutes.
  • Free 60-day rate lock and no application fee
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3.250% Rate

15 Yr. Fixed

3.319% APR

$1,405 / month (est)

Learn More

Updated 7/31/2014

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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3.250% Rate

15 Yr. Fixed

3.955% APR

$1,405 / month (est)

Learn More

Updated 7/31/2014

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
  • We close our loans FAST - many in 30 days or less!
  • Rates are still historically low! Lock in a low rate and payment today.
  • Why pay more for your home than you have to? Check out rates now.
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2.7% FIXED Mortgage Rate, 3.3% APR*
  • Get a Low Refinance Quote in 30 Secs!
  • We still have Low 10-Yr, 30-Yr and 15-Yr Fixed Rates.
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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. 25 - Aug. 01 , 2014*

Product Interest Rate Points National Average
30 Year Fixed Rate Mortgage 4.20% 0.18 4.20%
15 Year Fixed Rate Mortgage 3.48% 0.12 3.48%
30 Year 5/1 ARM 3.15% 0.08 3.15%
*weekly rolling averages

Show graph data