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30 Year Fixed Mortgage Rates: current mortgage rates from lenders in the HSH editorial survey

30-Year Fixed

Mortgage Rates for May 22 - 29 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.97% 0.12 3.97%
15-Year Fixed 3.27% 0.11 3.27%
5/1 ARM 2.98% 0.09 2.98%
*weekly rolling averages

Hide graph data
11/14 12/14 1/15 2/15 3/15 4/15 5/15
30-Year Fixed 4.10 4.02 3.89 3.85 3.91 3.79 3.91
  • Rate changes: Never; fully fixed for entire term
  • Benefits: Low, stable payment; usually easiest qualification
  • Alternative Strategy: Consider Hybrid ARM with appropriate fixed period
  • Useful for: Purchasing a home; first-time homebuyers; refinancing to improve cash flow/lower payment
  • Consider if: Buying or refinancing a home and planning on owning for longer than 10 years
  • When shopping, ask about: "Full cost" vs. "No cost" refinances, prepaying loan to shorten term if desired

  • 2.75% Mortgage Rates
  • Lower Refinance Rates, Find New Quotes
  • (2.83% APR)
  • VA Loans = No Mortgage Insurance
  • 100% Financing, No Down Payment
  • Active or Retired VA Status Ok

Mortgage Refinance rates in Virginia

3.875% Rate

30 Yr. Fixed

4.100% APR

$940 / month (est)

Learn More

Updated 6/2/2015

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  • Free 60-day rate lock and no application fee
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3.500% Rate

30 Yr. Fixed

3.697% APR

$898 / month (est)

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Updated 6/2/2015

Member of BBBImmediate Rate LockLow FeesFHA Approved LenderVA Approved Lender
  • Call Today for our Zero Cost Refinance Program
  • US Federal Reserve Member Bank and Member FDIC
  • Direct Lender, Low Rates, Low Fees, Exceptional Service
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3.625% Rate

30 Yr. Fixed

3.846% APR

$912 / month (est)

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Updated 6/2/2015

Member of BBBOffers HARP LoansVA Approved LenderFHA Approved LenderLow Fees
  • Low Mortgage Rates. Everyday.
  • Application to Closing in under 30 days
  • Affordable, fast , easy and eager to serve. That's Rate30
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Mortgage Rates From 2.88% (3.05% APR)
  • $200k Loan for Under $830/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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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, the below 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 © 2015, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Maximum Loan
ANCHOR BANK WI 414-290-7206 ALL WISCONSIN 20 3.75 0 417
B B & T MORTGAGE GA 770-425-2265 ALL GEORGIA 20 3.875 0 650
BANK OF AMERICA HOME LOANS NJ 732-271-4690 ALL NEW JERSEY 20 3.75 0.209 1000
BMO HARRIS BANK AZ 602-765-7805 ALL ARIZONA 20 4.125 0 650
CHASE BANK TX 713-752-8935 ALL TEXAS 20 3.75 0.375 417
CITIBANK MD 301-961-3451 ALL MARYLAND 20 3.75 0.5 417
FIFTH THIRD BANK IL 773-227-7020 ALL ILLINOIS 20 3.875 0 1000
FIRST NORTHERN BANK CA 800-682-8648 ALL CALIFORNIA 5 3.875 0.5 417
FREMONT BANK CA 800-659-7334 ALL CALIFORNIA 20 4.125 0 417
KEY BANK CO 303-744-3228 ALL COLORADO 25 4.07 0 417
KEY BANK WA 800-487-8334 ALL WASHINGTON,ID,UT 25 4.07 0 417
KEY BANK OF ALASKA AK 800-487-8334 ALL ALASKA 25 4 0 650
KEY BANK OF UTAH UT 801-257-6300 ALL UTAH 25 4.07 0 417
PHH HOME LOANS MN 952-844-6300 ALL MINNESOTA 5 3.75 0 417
WELLS FARGO BANK CA 916-920-2667 ALL CALIFORNIA 20 4 0 417
WELLS FARGO BANK IL 630-279-8750 ALL ILLINOIS 20 3.875 0 417
WELLS FARGO HOME MORTGAGE TX 972-763-1824 ALL TEXAS 20 3.875 0 417


Be sure to see our other loan samples:
15-Year FRMs1-Year ARMs5/1-Year Hybrid ARMs


  • 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.