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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 © 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 HOME LOANS VA 703-660-2660 ALL VIRGINIA,WASH DC 20 4.125 0.266 1000
BANK OF AMERICA MORTGAGE TX 214-559-6400 ALL TEXAS 20 4.125 0.446 417
BMO HARRIS BANK MN 952-697-4500 ALL MINNESOTA,WI 20 4.25 0 417
CAPITAL ONE BANK HOME LOANS MD 301-652-7060 NORTHWEST MARYLAND,WASH DC 5 4.125 0 417
CAPITAL ONE BANK HOME LOANS MD 888-287-2059 SOUTH MD,WASH DC,NORTH VA 5 4.125 0 417
CENTENNIAL BANK FL 407-975-0871 ALL FLORIDA 20 3.99 0 417
CHASE BANK MA 800-692-8300 ALL MASSACHUSETTS,NH,RI,ME 10 4.125 0.125 465
CITIBANK, FSB CA 714-526-8332 ALL CALIFORNIA 20 4.125 0.375 417
CITIZENS BANK NH 603-634-7000 ALL NEW HAMPSHIRE,ME 25 4.125 0 650
CITIZENS BANK RI 401-459-3000 ALL RHODE ISLAND 20 4.375 0 417
CITIZENS BANK CT 860-526-6410 ALL CONNECTICUT 20 4.375 0 417
ROSEDALE FEDERAL S&L MD 410-668-4400 BALTIMORE METRO 20 4.5 0.5 750
SALEM FIVE MORTGAGE CORP MA 978-745-5555 ALL MASSACHUSETTS,NH,RI,ME 5 4.25 0.5 417
SANTANDER BANK MA 508-370-0601 ALL MASSACHUSETTS 20 4.25 0 465
SANTANDER BANK RI 401-826-7520 ALL RHODE ISLAND 20 4.125 0 1000
SAVINGS BANK OF DANBURY CT 203-743-3849 BRDGWTR,DNBRY,RXBRY,SHRMN 20 4.25 0 417
TD BANK NH 603-433-4320 ALL NEW HAMPSHIRE 20 4.312 0 417
TD BANK CT 860-832-4077 ALL CONNECTICUT 20 4.312 0 417
THIRD FEDERAL S&L OH 513-458-2300 ALL OHIO 20 4.24 0 417
WASHINGTON FEDERAL S&L ASSN WA 206-624-7930 WESTERN WASHINGTON 20 4 1 700

 

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

2.990% Rate

15 Yr. Fixed

3.281% APR

$1,380 / month (est)

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Updated 7/30/2014

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3.250% Rate

15 Yr. Fixed

3.650% APR

$1,405 / month (est)

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Updated 7/30/2014

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2.7% FIXED Mortgage Rate, 3.3% APR*
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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 4.19% 0.19 4.19%
15 Year Fixed Rate Mortgage 3.48% 0.13 3.48%
30 Year 5/1 ARM 3.16% 0.08 3.16%
*weekly rolling averages

Show graph data