Mortgage Rates Today Near Record Lows at Credit Unions and Banks

Mortgage rates today are just above record lows and will hit new record lows in the first couple of months in 2013. Right now the lowest credit union mortgage rates can be found at some of the larger credit unions like Navy Federal and Pentagon Federal Credit Union. Both credit unions are offering 30 year mortgage refinance rates below the average if you're willing to pay points.

Current mortgage rates on 30 year conforming loans are averaging 3.50 percent, down from last week's average 30 year mortgage rate of 3.54 percent. This coming week 30 year rates will fall through 3.50 percent and possibly move as low as 3.40 percent. Some mortgage lenders offering 30 year refinance rates below the average on our rate list include Amerisave offering 30 year refinance rates in Connecticut as low as 3.00 percent with points. Amerisave is also offering 30 year refi rates as low as 3.00 percent with points in other states as well.

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 eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.679
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: $1,575
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
4.873
4.750
USD
Ally Bank Logo
NMLS # 181005
at 0.100 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $3,911
Thanks for the 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
4.783
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: $2,442
 
 
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
4.687
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: $1,869
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.580
4.490
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
at 0.100 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $2,858
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
4.679
4.575
USD
CIT Bank Logo
NMLS # 541760
at 0.100 pts
45 day lock rate
Est payment: $1,533.45
Fees in APR: $3,315
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
4.694
4.490
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $4,043
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.795
4.625
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,847
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.848
4.750
USD
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $3,059
Thank you for your 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
4.760
4.750
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $362
 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.750
4.750
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
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
4.750
4.750
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
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
5.035
5.000
USD
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $1,610.46
Fees in APR: $1,203
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
4.654
4.625
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $995
 
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
300000
Refinance
4.752
4.750
USD
Republic Bank Logo
NMLS # 402606
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $83
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
5.125
5.125
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
45 day lock rate
Est payment: $1,633.46
Fees in APR: None
Thanks for the inquiry! 
 
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
(877) 210-3816
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
4.655
4.615
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
at 0.000 pts
30 day lock rate
Est payment: $1,540.62
Fees in APR: $1,379
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
4.785
4.625
USD
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,199
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
4.547
4.375
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,700
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
4.565
4.375
USD
CIT Bank Logo
NMLS # 541760
at 1.100 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $3,332
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.444
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
at 1.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $3,872
Thank you for your inquiry, we will be in touch shortly. 
 
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
 
 
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 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 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 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 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 Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
5.075
5.000
USD
Citizens Bank, NA
5.075%
11/16/2018
5.000%
at 0.375 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $1,408
 
 
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%
11/16/2018
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 TD Bank, NA
TD Bank, NA
300000
Refinance
4.789
4.750
USD
TD Bank, NA
4.789%
11/16/2018
4.750%
at 0.125 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
5.048
4.990
USD
Bank of Oak Ridge
5.048%
11/15/2018
4.990%
at 0.377 pts
60 day lock rate
Est payment: $1,608.63
Fees in APR: $853
 
 
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 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 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
 
 

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.






Today's mortgage rates on 15 year conventional home loans are averaging 2.84 percent, down from last week's average 15 year mortgage rate of 2.86 percent. Average 15 year mortgage interest rates will fall through 2.80 percent this week and possibly move as low as 2.75 percent.

There are many lenders offering 15 year refinance mortgage rates well below the current average. The lowest rate we have on our rate list for the state of California is at 2.25 percent with points and without points. On our California refinance rates list Aimloan.com is offering 30 year refi rates at 2.25 percent with 1.095 points and American InterBanc mortgage Bankers are offering 15 year rates at 2.25 percent with no points.

Average jumbo mortgage rates today are lower also on both 30 year and 15 year jumbo loans. 30 year jumbo mortgage rates are averaging 4.02 percent, down from last week's average 30 year jumbo mortgage rate of 4.07 percent. Average jumbo mortgage refinance rates have been hovering just above 4.00 percent for a couple of months now.

Rates should fall through 4.00 percent sometime in the first quarter of 2013 though right now you can find lenders already quoting 30 year jumbo refinance rates below 4.00 percent. Right now on our California jumbo refinance rates list we have Home Loan Enterprise quoting 30 year jumbo refi rates at 3.50 percent with 1.625 points and Citi Mortgage quoting 30 year jumbo refi rates at 4.00 percent with zero points.

Mortgage rates currently on 15 year jumbo home loans are averaging 3.46 percent, down from last week's average 15 year jumbo rate of 3.49 percent. Right now on our New Jersey refinance rates list, we have Diamond Funding quoting 15 year jumbo refinancing rates at  3.00 percent with 1 mortgage point and Investors Home Mortgage also quoting 15 year rates at 3.00 percent but with zero points.
 
 
Author: Brian McKay
January 14th, 2013