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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 %
Points
Maximum Loan
$1,000
ANCHOR BANK WI 608-252-8800 ALL WISCONSIN 5 4.05 0 417
BANK OF AMERICA VA 804-788-2121 RICHMOND METRO 20 4.125 0.035 650
BANK OF AMERICA VA 804-788-2121 RICHMOND METRO 20 4 0.719 417
CHARTER ONE MORTGAGE VA 800-288-5569 ALL VIRGINIA,WASH DC,MD 20 4.375 0 417
FIFTH THIRD BANK GA 770-973-0229 ALL GEORGIA 20 4.125 0 417
FIRST NORTHERN BANK CA 800-682-8648 ALL CALIFORNIA 5 4.125 0 417
FIRST-CITIZENS BANK FL 954-771-6948 MIAMI METROPOLITAN AREA 20 4.375 0 650
FIRST-CITIZENS BANK TX 214-665-3400 ALL TEXAS 20 4.25 0 417
FIRST-CITIZENS BANK TX 281-325-6400 ALL TEXAS 20 4.25 0 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 20 5.375 0 650
NATIONAL BANK OF ARIZONA AZ 520-571-1500 ALL ARIZONA 20 4.25 0 417
PNC BANK OH 614-463-6500 ALL OHIO 20 4.375 0 417
PNC MORTGAGE MD 410-415-6000 ALL MARYLAND 20 4 0 1000
PNC MORTGAGE MI 734-281-5209 WAYNE,OAKLAND,MACOMB 20 4.125 0 850
SUNTRUST MORTGAGE VA 804-673-0944 RICHMOND METRO 10 3.99 1 417
SUNTRUST MORTGAGE VA 804-673-0944 RICHMOND METRO 20 4.375 1 650
TRIDENT MORTGAGE COMPANY PA 610-889-7600 DELAWARE,CHESTR,MNTGOMRY,BUCKS 10 4.125 0.625 417
WEBSTER BANK CT 203-291-7880 ALL CONNECTICUT 10 4.125 0 417
WEBSTER BANK CT 860-244-8002 ALL CONNECTICUT 10 4.125 0 417
WEBSTER BANK CT 203-291-7880 ALL CONNECTICUT 20 4.125 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

3.250% Rate

15 Yr. Fixed

3.688% APR

$1,405 / month (est)

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Updated 7/24/2014

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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. 18 - 25 , 2014*

Product Interest Rate Points National Average
30 Year Fixed Rate Mortgage 4.16% 0.19 4.16%
15 Year Fixed Rate Mortgage 3.44% 0.10 3.44%
30 Year 5/1 ARM 3.08% 0.08 3.08%
*weekly rolling averages

Show graph data