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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 Apr. 10 - 17 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.78% 0.14 3.78%
15-Year Fixed 3.11% 0.12 3.11%
5/1 ARM 2.91% 0.08 2.91%
*weekly rolling averages

Hide graph data
10/14 11/14 12/14 1/15 2/15 3/15 4/15
30-Year Fixed 4.15 4.10 4.02 3.89 3.85 3.91 3.79
  • 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

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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
ACADEMY BANK CO 303-696-3961 ALL COLORADO 5 4 0 417
BANK OF AMERICA NC 336-544-0933 ALL NORTH CAROLINA 25 3.5 1 1000
CLIFTON SAVINGS BANK, SLA NJ 973-778-6791 ALL NEW JERSEY 10 3.75 0 417
FIFTH THIRD BANK MO 636-825-0843 ALL MISSOURI 20 3.625 0 417
FLAGSTAR BANK MI 248-312-5400 ALL MICHIGAN 20 3.79 0 417
FLAGSTAR BANK MI 248-312-5400 ALL MICHIGAN 20 4.125 0 1500
GROUP ONE MORTGAGE CORP MI 248-282-1602 ALL MICHIGAN 20 3.875 0 417
N V E BANK NJ 201-816-2800 ALL NEW JERSEY 25 3.75 0 750
N V E BANK NJ 201-816-2800 ALL NEW JERSEY 5 3.75 0 417
NBT BANK NY 518-673-4919 MONTGOMERY,ESSEX COUNTY 5 3.75 0 417
PNC MORTGAGE CA 925-210-8100 ALL CALIFORNIA 20 4.25 0 417
PNC MORTGAGE CA 925-210-8100 ALL CALIFORNIA 20 3.75 0 625
PNC MORTGAGE CA 916-771-4024 ALL CALIFORNIA 20 4.25 0 417
REGIONS BANK FL 305-541-4547 ALL FLORIDA 20 4.125 0 417
REGIONS MORTGAGE MO 636-386-8072 ALL MISSOURI 5 3.75 0 417
REGIONS MORTGAGE MO 636-386-8072 ALL MISSOURI 20 4 0 650
SUNTRUST MORTGAGE VA 804-673-0944 RICHMOND METRO 10 3.49 1 417


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.