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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 Oct. 10 - 17 , 2014*

Product Interest Rate Points National Average
30-Year Fixed 4.05% 0.14 4.05%
15-Year Fixed 3.36% 0.10 3.36%
5/1 ARM 3.07% 0.12 3.07%
*weekly rolling averages

Show graph data
  • 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

  • $200k Loan for Under $955/Month
  • Free Home Mortgage Rate Quotes.
  • Compare Rates from Up to 5 Lenders.
  • Lock in Your Low Rate Today!
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Mortgage refinance rates in Virginia

4.180% Rate

30 Yr. Fixed

4.425% APR

$976 / month (est)

Learn More

Updated 10/17/2014

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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 © 2014 HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % down
Rate %
Points
Maximum Loan
$1,000
BANK OF AMERICA NC 704-386-6188 ALL NORTH CAROLINA 20 3.875 0.138 650
CLIFTON SAVINGS BANK, SLA NJ 973-778-6791 ALL NEW JERSEY 10 4 0 417
CONNECT ONE BANK NJ 908-688-9500 ALL NEW JERSEY 20 3.875 0 417
EMIGRANT MORTGAGE COMPANY NY 212-850-4848 NYC,QUEENS,BROOKLYN,LI 25 4 0 417
FIRST MERIT BANK OH 216-341-3939 ALL OHIO 20 4.125 0 417
GROUP ONE MORTGAGE CORP MI 248-282-1602 ALL MICHIGAN 20 4.125 0 417
HART WEST FINANCIAL, INC AZ 480-596-5151 ALL ARIZONA 25 3.75 0 417
HUNTINGTON MORTGAGE COMPANY OH 614-480-6505 ALL OHIO 5 4.125 0 417
MAGYAR SAVINGS BANK, SLA NJ 732-342-7600 MIDDLESEX,SOMERSET,MONMOUTH 20 4 0 417
MAHOPAC BANK NY 845-278-1000 ALL NEW YORK 20 3.875 0 417
NBT BANK NY 518-673-4919 MONTGOMERY,ESSEX COUNTY 5 3.875 0 417
NBT BANK NY 518-773-5112 FULTON,HAMILTON,MONTGOMERY 20 3.875 0 600
NBT BANK NY 518-673-4919 MONTGOMERY,ESSEX COUNTY 20 3.875 0 600
SUNTRUST MORTGAGE VA 703-691-4520 WASHINGTON DC METRO 20 3.99 1.25 1000
SUNTRUST MORTGAGE VA 703-691-4520 WASHINGTON DC METRO 20 3.75 1 417
UMB BANK MO 816-860-7000 KANSAS CITY METRO 20 4 0 417
UMB BANK OF ST LOUIS MO 314-919-1150 ALL MISSOURI 20 4 0 417
WELLS FARGO HOME MORTGAGE MN 612-667-2178 ALL MINNESOTA 20 3.75 1 1000
WELLS FARGO HOME MORTGAGE MN 612-667-2178 ALL MINNESOTA 10 4 1 417
WHITNEY BANK TX 713-951-6120 HOUSTON METRO 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.