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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 %
Maximum Loan
BANK MUTUAL WI 715-833-7700 ALL WISCONSIN 20 4.625 0 1000
BANK OF AMERICA CA 818-502-8713 ALL CALIFORNIA 20 4.125 0.702 417
BANK OF AMERICA FL 813-875-9898 ALL FLORIDA 20 4.125 0.128 417
BANK OF AMERICA HOME LOANS IL 630-368-4810 ALL ILLINOIS 20 4.125 0.207 417
BBVA COMPASS BANK FL 904-564-8040 ALL FLORIDA 20 4.125 1 417
BMO HARRIS BANK AZ 602-765-7805 ALL ARIZONA 20 4.25 0 417
BRANCH BANKING & TRUST VA 703-497-4479 NORTH VIRGINIA 20 4.125 0.5 417
CHASE BANK NJ 201-612-9305 NORTHERN NEW JERSEY 20 4.625 0 417
CHASE BANK TX 713-752-8935 ALL TEXAS 20 4.125 0.25 417
CHASE BANK TX 713-752-8935 ALL TEXAS 20 3.875 0.625 1000
CHASE HOME FINANCE IL 312-732-1164 ALL ILLINOIS 20 4 0.25 650
CHASE HOME FINANCE PA 215-641-0900 ALL PENNSYLVANIA 20 4.125 0.5 417
CITIZENS BANK NY 518-447-0151 ALL NEW YORK 20 4.125 0 750
FIFTH THIRD BANK IL 773-227-7020 ALL ILLINOIS 20 4.5 0 1000
FIRST BANK MORTGAGE MO 800-876-5566 ALL MISSOURI 5 4.125 0 417
HOME TRUST COMPANY TX 972-612-4848 ALL TEXAS 5 4.5 1 417
PEOPLES UNITED BANK CT 203-338-7001 ALL CONNECTICUT 25 4.125 0 650
WELLS FARGO BANK WA 253-945-1250 ALL WASHINGTON 20 4.25 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.

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Mortgage refinance rates in Virginia

3.250% Rate

15 Yr. Fixed

3.688% APR

$1,405 / month (est)

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Updated 7/28/2014

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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. 25 - Aug. 01 , 2014*

Product Interest Rate Points National Average
30 Year Fixed Rate Mortgage 4.18% 0.22 4.18%
15 Year Fixed Rate Mortgage 3.49% 0.14 3.49%
30 Year 5/1 ARM 3.18% 0.10 3.18%
*weekly rolling averages

Show graph data