First Imperial Credit Union Mortgage Rates Competitive But Not the Best Rates

First Imperial Credit Union's mortgage rates are not the lowest mortgage rates today but there rates are competitive. First Imperial Credit Union is advertising several different types of mortgage interest rates on first mortgage loans and the credit union is also advertising a 15 year second mortgage rate which natually has a consideribly higher rate than first mortgage rates.

Fixed conforming 30 year mortgage rates are avertised with three different point combinations. You might not be aware of this but the more points you pay on a loan the lower the mortgage rate you will get, that usually is the case anyway which reputable lenders.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 23223, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.572
4.490
USD
Home Loans Today Logo
NMLS # 152859
at 0.100 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $2,553
 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.712
4.625
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,700
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.981
4.875
USD
Ally Bank Logo
NMLS # 181005
at 0.100 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $3,326
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.634
4.500
USD
Northpointe Bank Logo
NMLS # 447490
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $4,344
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.764
4.625
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
at 1.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,805
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.619
4.490
USD
Sol Mortgage Logo
NMLS # 53112
at 0.100 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $4,174
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.706
4.625
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,496
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.591
4.490
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $3,224
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.798
4.700
USD
CIT Bank Logo
NMLS # 541760
at 0.100 pts
45 day lock rate
Est payment: $1,555.91
Fees in APR: $3,072
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.815
4.625
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $3,517
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.898
4.750
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $2,076
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.964
4.875
USD
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $2,729
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.770
4.750
USD
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # MC-1532
(877) 475-4039
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $676
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.875
4.875
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.875
4.875
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.875
4.875
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
5.152
5.125
USD
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $1,633.46
Fees in APR: $907
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.779
4.750
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $995
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.728
4.710
USD
Sol Mortgage Logo
NMLS # 53112
at 0.000 pts
30 day lock rate
Est payment: $1,557.72
Fees in APR: $622
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
300000
Refinance
4.875
4.875
USD
Republic Bank Logo
NMLS # 402606
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.875
4.875
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
5.130
5.125
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
45 day lock rate
Est payment: $1,633.46
Fees in APR: $174
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_logo.gif
300000
Refinance
4.750
4.750
USD
LoanLock Logo
NMLS # 237507
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.875
4.875
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.743
4.740
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $1,563.13
Fees in APR: $92
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.772
4.750
USD
Northpointe Bank Logo
NMLS # 447490
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $757
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.750
4.750
USD
Home Loans Today Logo
NMLS # 152859
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.500
4.375
USD
Home Loans Today Logo
NMLS # 152859
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,080
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.810
4.625
USD
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $3,069
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.651
4.500
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $1,950
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.685
4.500
USD
CIT Bank Logo
NMLS # 541760
at 1.100 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $3,105
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.589
4.460
USD
Sol Mortgage Logo
NMLS # 53112
at 1.100 pts
30 day lock rate
Est payment: $1,512.93
Fees in APR: $1,199
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.527
4.365
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $1,496.09
Fees in APR: $2,378
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.683
4.625
USD
State Department Federal Credit Union
4.683%
11/12/2018
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
5.280
5.250
USD
Fulton Bank, NA
5.280%
11/13/2018
5.250%
at 0.000 pts
60 day lock rate
Est payment: $1,656.61
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.926
4.875
USD
TD Bank, NA
4.926%
11/9/2018
4.875%
at 0.250 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
5.057
4.990
USD
Bank of Oak Ridge
5.057%
11/8/2018
4.990%
at 0.479 pts
60 day lock rate
Est payment: $1,608.63
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
5.163
5.125
USD
Raymond James Bank, NA
5.163%
11/13/2018
5.125%
at 0.000 pts
45 day lock rate
Est payment: $1,633.46
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
5.189
5.125
USD
Citizens Bank, NA
5.189%
11/9/2018
5.125%
at 0.250 pts
60 day lock rate
Est payment: $1,633.46
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.858
4.750
USD
Bank of America
4.858%
11/14/2018
4.750%
at 0.811 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
5.069
5.000
USD
Northwest Federal Credit Union
5.069%
11/14/2018
5.000%
at 0.750 pts
45 day lock rate
Est payment: $1,610.46
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from Armed Forces Bank, N.A.
Armed Forces Bank, N.A.
300000
Refinance
5.029
5.000
USD
Armed Forces Bank, N.A.
5.029%
11/14/2018
5.000%
at 0.000 pts
30 day lock rate
Est payment: $1,610.46
Fees in APR: $999
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
5.099
5.000
USD
Apple Federal Credit Union
5.099%
11/14/2018
5.000%
at 1.000 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
5.184
5.125
USD
Santander Bank, N.A.
5.184%
11/14/2018
5.125%
at 0.000 pts
60 day lock rate
Est payment: $1,633.46
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.907
4.875
USD
LincolnWay Community Bank
4.907%
11/13/2018
4.875%
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
5.093
5.000
USD
Virginia Credit Union
5.093%
11/13/2018
5.000%
at 0.500 pts
45 day lock rate
Est payment: $1,610.46
Fees in APR: $1,650
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

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.






Current mortgage rates on 30 year fixed conventional mortgages are advertised at 4.75 percent with zero mortgage points. 30 year rates are also advertised at 4.50 percent with 1 mortgage point and at 4.25 percent with 2 mortgage points. There are credit union mortgage rates higher than these rates but there are also rates that are lower at both credit unions and banks.

The current national average 30 year mortgage interest rate is currently at 3.38 percent. If you have a credit score of 740 or more you can find 30 year mortgage rates as low as 3.125 percent with 2 mortgage points. If you're credit score is less than 740 you can still get a 30 year mortgage rate around 3.25 percent with points.

First Imperial Credit Union mortgage rates on fixed conventional 20 year home loans are averaging 4.5o percent with zero mortgage points. 20 year mortgage refinance rates are also available at 4.25 percent with 1 mortgage discount point and 4.00 percent with 2 mortgage points.

Today's mortgage rates on 15 year conventional home loans are averaging 2.81 percent while First Imperial Credit Union 15 year mortgage rates today and 10 year mortgage rates today are currently advertised at 4.00 percent with no points. 10 and 15 year refinance mortgage rates are also advertised at 3.75 percent with 1 point and 3.50 percent with 2 points.

First Imperial Credit Union is also advertising second mortgage rates for 15 year loans which have considerably higher rates. Mortgage rates currently on 15 year second loans are advertised at 6.99 percent with zero points.

All the mortgage rates from First Imperial Credit Union we mention above are the credit union's Tier A loans. You can see how this credit union's mortgage rates compare with other credit union mortgage rates by searching our rate tables below.
 
 
Author: Brian McKay
October 11th, 2012