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Current 1 Year Adjustable Rate Mortgage (ARM) 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 © 2015, HSH Associates, Financial Publishers, Riverdale NJ. All rights reserved.

Lender State Phone Lending Area % Adjustment
Term % down
Rate %
Maximum Loan
AMBOY NATIONAL BANK NJ 800-942-6269 ALL NEW JERSEY 1 30 20 5.5 0 417 1YT
ASSOCIATED BANK WI 414-278-1006 ALL WISCONSIN 1 30 20 2.875 0 417 1YT
CROSS COUNTY SAVINGS BANK NY 718-651-4600 5 BOROUGHS 1 30 20 4 1 729 NMCR
CROSS COUNTY SAVINGS BANK NY 718-651-4600 5 BOROUGHS 1 30 5 3.75 0 417 NMCR
FIRST BANK OF SEA ISLE CITY NJ 609-263-7823 CAPE MAY 1 30 20 2.75 0 417 1YT
LAKE SHORE SAVINGS NY 716-366-4070 CHAUTAUQUA 1 30 5 3.625 0 417 1YT
TD BANK FL 727-846-1444 ALL FLORIDA 1 30 20 2.062 0 417 LIBOR
TD BANK MA 978-556-1031 ALL MASSACHUSETTS 1 30 25 2.25 0 1000 LIBOR
TD BANK CT 860-827-2594 ALL CONNECTICUT 1 30 25 2.25 0 1000 LIBOR
TD BANK ME 207-774-1733 ALL MAINE 1 30 20 2.188 0 417 LIBOR
TD BANK NH 603-433-2969 ALL NEW HAMPSHIRE 1 30 20 2.188 0 417 LIBOR
TD BANK MD 301-217-0564 ALL MARYLAND 1 30 20 2.188 0 417 LIBOR
TD BANK MA 978-556-1031 ALL MASSACHUSETTS 1 30 20 2.188 0 417 LIBOR
TD BANK CT 860-827-2594 ALL CONNECTICUT 1 30 20 2.188 0 417 LIBOR


Be sure to see our other loan samples:
15-Year FRMs30-Year FRMs5/1-Year Hybrid ARMs


  • 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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