Mortgage Applications and Mortgage Rates Decline This Week: Current Mortgage Rates on 30 Conforming Loans at 3.45 Percent
Average mortgage rates on fixed conforming and jumbo loans declined in the most recent mortgage application survey released this morning. Although average mortgage rates declined mortgage applications declined as well due to the Thanksgiving holiday. In the Mortgage Bankers Assocation's Weekly Application Survey 30 year mortgage rates averaged 3.53 percent for the week that ended on November 23, 2012, down slightly from the prior week's average rate of 3.54 percent. Average mortgage discount points on 30 year conforming loans remained unchanged at 0.40 points.
Mortgage rates today on 30 year conventional loans have fallen even further since the MBA's average for the week of November 23rd. Current mortgage rates on 30 year loans are averaging 3.45 percent and you can find lenders quoting 30 year rates even lower than the averages. Right now on our 30 year refinance rates list for the state of California we have lenders quoting conforming rates as low as 3.00 percent with 2 mortgage points.
Lender
APR
Rate
Cost & Fees
Notes
Thank you for your inquiry!
Thank you for your inquiry!
Thank you for your quote.
The Washington Trust Company
4.280%
2/19/2019
4.250%
at 0.000 pts
30 day lock rate Est payment: $1,475.82
Fees in APR: $1,083
TD Bank, NA
4.405%
2/20/2019
4.375%
at 0.000 pts
45 day lock rate Est payment: $1,497.86
Fees in APR: $1,043
Bank of America
4.373%
2/18/2019
4.250%
at 0.998 pts
60 day lock rate Est payment: $1,475.82
Fees in APR: $1,351
First National Bank of Omaha
4.815%
2/21/2019
4.750%
at 0.500 pts
60 day lock rate Est payment: $1,564.94
Fees in APR: $752
LincolnWay Community Bank
4.406%
2/19/2019
4.375%
at 0.000 pts
30 day lock rate Est payment: $1,497.86
Fees in APR: $1,085
United Bank
4.401%
2/19/2019
4.375%
at 0.000 pts
30 day lock rate Est payment: $1,497.86
Fees in APR: $911
Citizens Bank, NA
4.550%
2/22/2019
4.500%
at 0.250 pts
60 day lock rate Est payment: $1,520.06
Fees in APR: $998
Savings Bank of Danbury
4.523%
2/22/2019
4.500%
at 0.000 pts
60 day lock rate Est payment: $1,520.06
Fees in APR: $790
Liberty Bank
4.419%
2/22/2019
4.375%
at 0.250 pts
60 day lock rate Est payment: $1,497.86
Fees in APR: $814
Union Savings Bank
4.524%
2/22/2019
4.500%
at 0.000 pts
60 day lock rate Est payment: $1,520.06
Fees in APR: $852
The Guilford Savings Bank
4.542%
2/22/2019
4.500%
at 0.250 pts
60 day lock rate Est payment: $1,520.06
Fees in APR: $719
Santander Bank, N.A.
4.683%
2/22/2019
4.625%
at 0.000 pts
60 day lock rate Est payment: $1,542.42
Fees in APR: $2,004
UniBank for Savings
4.786%
2/22/2019
4.750%
at 0.250 pts
60 day lock rate Est payment: $1,564.94
Fees in APR: $500
The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information. Average 30 year jumbo mortgage rates in the MBA survey this week declined to 3.75 percent, down slightly from the previous week's average 30 year jumbo mortgage rate of 3.76 percent. Average mortgage discount points on jumbo loans declined to 0.31 points, down from the prior week's average of 0.40 points. Right now on our 30 year jumbo refinance rates list for the state of New Jersey we have lenders quoting 30 year jumbo refi rates as low as 3.75 percent with points. The lowest 30 year rate without points is at 3.99 percent, a rate still under 4.00 percent for a 30 year jumbo loan with no points is incredible. Average 30 year FHA mortgage rates remained unchanged at 3.36 percent in this week's MBA survey. Average discount points on 30 year FHA loans declined to 0.31 points, down from last week's average of 0.40 points. Although the average FHA loan rate remained unchanged this week since average points on loans declined the effective rate declined. Today's mortgage rates on 15 year conforming loans are lower than the MBA average for the week ending November 23rd. Average 15 year mortgage interest rates today are at 2.84 percent, which is lower than the MBA's average of 2.89 percent. The MBA average for November 23rd is unchanged from the prior week's average rate. Average points on 15 year conventional loans increased to 0.35 points, up from the prior week's average of 0.25 points. The effective rate increased this week because of the higher average points on 15 year loans. You can find refinance rates today on 15 year conforming loans well below the averages. Right now on our 15 year refinance rates list for the state of South Carolina we have two lenders offering 15 year refi rates as low as 2.25 percent with points. The lowest refinance rate without points in SC is at 2.50 percent. 5 year adjustable mortgage interest rates averaged 2.60 percent for the week ending November 23, down from the prior week's survey average of 2.62 percent. Discount points on 5 year adjustable loans averaged 0.37 points this week, unchanged from last week's average. Current refinance rates on our Texas adjustable rate list can be found as low as 1.875 percent with points. Feel free to use our rate tables to find the best mortgage rates or refinance rates in your state. |
Recent Mortgage Rate ArticlesHomePlus Mortgage Refinance RatesCiti Mortgage RatesRenasant Bank Mortgage Refinance RatesChase Bank Mortgage Rates and ReviewsRaymond James Bank Mortgage Rates ReviewBest Mortgage Rates in New YorkRenasant Bank Mortgage RatesKanza Bank Mortgage Ratesloandepot Mortgage RatesTIAA Bank Mortgage RatesAverage Mortgage RatesMortgage Calculator |