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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 Mar. 20 - 27 , 2015*

Product Interest Rate Points National Average
30-Year Fixed 3.79% 0.15 3.79%
15-Year Fixed 3.15% 0.10 3.15%
5/1 ARM 2.97% 0.09 2.97%
*weekly rolling averages

Hide graph data
9/14 10/14 11/14 12/14 1/15 2/15 3/15
30-Year Fixed 4.21 4.15 4.10 4.02 3.89 3.85 3.92
  • 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
BANK OF AMERICA NC 704-386-6188 ALL NORTH CAROLINA 20 3.75 0.166 650
BANK OF THE WEST OR 503-224-7066 ALL OREGON 20 3.625 0.5 650
BENEFICIAL SAVINGS BANK PA 215-864-6000 BUCKS,CHESTER,DELAWARE 20 3.875 0 650
BMO HARRIS BANK WI 262-255-4600 ALL WISCONSIN 20 3.875 0 1000
BMO HARRIS BANK WI 262-255-4600 ALL WISCONSIN 20 3.75 0 417
BOGOTA SAVINGS BANK NJ 201-862-1179 NORTHERN & CENTRAL NJ 20 3.75 0 417
CHASE BANK AZ 480-324-1354 ALL ARIZONA 20 3.875 0.25 1000
FIRST COUNTY BANK CT 203-323-3165 ALL CONNECTICUT 25 3.5 0 417
HART WEST FINANCIAL, INC AZ 480-596-5151 ALL ARIZONA 25 3.5 0 417
MAGYAR SAVINGS BANK, SLA NJ 732-342-7600 MIDDLESEX,SOMERSET,MONMOUTH 20 3.75 0 417
NATIONAL BANK OF ARIZONA AZ 602-235-6000 ALL ARIZONA 20 3.625 0.25 417
PNC MORTGAGE MI 734-281-5209 WAYNE,OAKLAND,MACOMB 20 3.75 0 850
REGIONS BANK FL 305-541-4547 ALL FLORIDA 20 3.875 0 417
THE EQUITABLE BANK, SSB WI 414-476-6434 MILWAUKEE METRO 20 3.625 0 417
UMPQUA BANK OR 888-287-1597 ALL OREGON 20 3.875 0 417
WELLS FARGO BANK GA 404-865-3010 ALL GEORGIA 20 4 0 750
WELLS FARGO BANK GA 404-865-3010 ALL GEORGIA 20 3.75 1 750
WELLS FARGO HOME MORTGAGE MO 314-238-1355 ALL MISSOURI 20 4 0 650
WELLS FARGO HOME MORTGAGE NC 704-367-7600 ALL NORTH CAROLINA,SC 20 4 0 1000
WELLS FARGO HOME MORTGAGE NC 919-401-1060 ALL NORTH CAROLINA,SC 20 4 0 1000

 

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.