Current 30-Year Fixed Rate Mortgages (FRMs) from the HSH Survey

Current 30-Year Fixed Rate Mortgages from HSH's editorial survey -- updated daily!

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 over 2,000 lenders across the country every week -- the same objective survey we've conducted for over 25 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).

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.

Lender	State	Phone	Lending Area	% down	Rate %	Points	Maximum Loan $1,000
ACADEMY BANK	CO	303-696-3961	ALL COLORADO	5	6	0	417
BANK OF AMERICA HOME LOANS	GA	404-602-3000	ALL GEORGIA	5	4.875	0	417
BANK OF AMERICA HOME LOANS	FL	800-611-6510	ALL FLORIDA	20	4.875	0	417
CHASE BANK	MA	800-692-8300	ALL MASSACHUSETTS,NH,RI,ME	10	4.875	0.25	417
CHASE BANK	OR	503-698-8191	ALL OREGON	20	4.875	1.125	417
CITIBANK	MD	301-961-3451	ALL MARYLAND	20	5.125	3	417
CITIBANK, FSB	NJ	201-592-9666	ALL NEW JERSEY	20	5.25	0	417
DITECH.COM	CA	800-713-4933	ALL CALIFORNIA	20	5	0.35	417
GUARANTY BANK	MN	952-487-7206	ALL MINNESOTA	20	5	0	417
HART WEST FINANCIAL, INC	AZ	480-596-5151	ALL ARIZONA	10	4.875	0	417
KEY BANK	OR	503-226-7283	PORTLAND METRO	5	5	0.125	417
M & I BANK	AZ	602-765-7805	ALL ARIZONA	20	5	0	417
M & I BANK	MN	651-288-6300	ALL MINNESOTA,WI	20	4.875	1	417
M & I BANK	AZ	520-731-6600	ALL ARIZONA	10	4.875	0	417
M & T BANK MORTGAGE DIVISION	WA	425-889-9055	ALL WASHINGTON	5	4.75	1	417
M & T BANK	MD	301-251-3256	ALL MARYLAND	5	5.13	0	417
ROSEDALE FEDERAL S&L	MD	410-668-4400	BALTIMORE METRO	20	5.25	1	417
US BANK HOME MORTGAGE	IL	847-587-2112	ALL ILLINOIS	10	5.125	0	417
US BANK	MN	952-851-5480	ALL MINNESOTA	10	4.875	1	417
WELLS FARGO HOME MORTGAGE	GA	678-742-3677	ALL GEORGIA	20	5	0	417

Be sure to see our other loan samples:
15-Year FRMs	1-Year ARMs	5/1-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.