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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. 17 - 24 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.76% 0.14 3.76%
15-Year Fixed 3.11% 0.13 3.11%
5/1 ARM 2.88% 0.07 2.88%
*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 %
Points
Maximum Loan
$1,000
B B & T MORTGAGE GA 770-425-2265 ALL GEORGIA 20 3.75 0 417
B B & T MORTGAGE GA 770-425-2265 ALL GEORGIA 20 3.75 0.25 650
BANK MUTUAL MN 651-735-5500 ALL MINNESOTA 20 4.375 0 1000
BANK OF AMERICA HOME LOANS NJ 732-271-4690 ALL NEW JERSEY 20 3.625 0.441 417
BANK OF AMERICA MORTGAGE TX 214-559-6400 ALL TEXAS 20 3.75 0.17 650
BRANCH BANKING & TRUST MD 410-727-7511 BALTIMORE METRO AREA 20 3.75 0 417
CHASE BANK CO 303-759-1411 ALL COLORADO 20 3.875 0.25 650
FIRST BANK MORTGAGE MO 800-876-5566 ALL MISSOURI 5 3.625 0.428 417
M & T BANK MD 301-251-3256 ALL MARYLAND 5 3.75 0 417
M & T BANK NY 212-350-2000 NEW YORK CITY 10 3.875 0 650
PEOPLES STATE BANK WI 715-842-2191 CENTRAL WISCONSIN 20 3.75 0 417
PHH HOME LOANS MN 952-844-6300 ALL MINNESOTA 5 3.625 0 417
TCF NATIONAL BANK IL 800-823-2265 ALL ILLINOIS 20 4.125 1 417
UMB BANK MO 816-860-7000 KANSAS CITY METRO 20 3.875 0 417
UNITED BANK MA 508-595-0000 ALL MASSACHUSETTS,CT 20 3.75 0 650
US BANK WA 206-725-8993 ALL WASHINGTON 20 3.75 0 1000
WELLS FARGO HOME MORTGAGE PA 412-383-4960 ALL PENNSYLVANIA 20 3.75 0 417
WELLS FARGO HOME MORTGAGE IL 312-274-4101 ALL ILLINOIS 20 3.875 0 650
WELLS FARGO HOME MORTGAGE IL 312-274-4101 ALL ILLINOIS 20 3.875 0 417
WELLS FARGO HOME MORTGAGE TX 281-261-1350 ALL TEXAS 20 4 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.