Current Mortgage Rates: 30 Year Mortgage Rates averaging 4.95%

Current mortgage rates are down again this week over last in our latest mortgage rates survey. 30 year mortgage rates are under 5.00 percent at 4.95 percent. This is the lowest point for 30 year mortgage rates since mid March.

Looking for current mortgage rates and refinance rates? Search our mortgage rate tables at MortgageRates.MonitorBankRates.com to find the lowest mortgage rates.

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 mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.432
4.375
USD
Virginia Credit Union
4.432%
3/19/2019
4.375%
at 0.125 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.280
4.250
USD
LincolnWay Community Bank
4.280%
3/19/2019
4.250%
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.537
4.500
USD
Raymond James Bank, NA
4.537%
3/19/2019
4.500%
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.550
4.500
USD
Fulton Bank, NA
4.550%
3/19/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.557
4.500
USD
State Department Federal Credit Union
4.557%
3/18/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.345
4.250
USD
Apple Federal Credit Union
4.345%
3/20/2019
4.250%
at 1.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.326
4.250
USD
Northwest Federal Credit Union
4.326%
3/20/2019
4.250%
at 0.875 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.321
4.250
USD
Citizens Bank, NA
4.321%
3/22/2019
4.250%
at 0.375 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.432
4.375
USD
Santander Bank, N.A.
4.432%
3/22/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.225
4.180
USD
Bank of Oak Ridge
4.225%
3/21/2019
4.180%
at 0.250 pts
60 day lock rate
Est payment: $1,463.55
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.321
4.250
USD
Bank of America
4.321%
3/20/2019
4.250%
at 0.415 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.027
4.000
USD
TD Bank, NA
4.027%
3/22/2019
4.000%
at 0.000 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $982
 
 

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.






10 year U.S. Treasury yields were down last week as investors fled to U.S Treasuries as the European Union and the IMF dealt with the Greek debt crisis. Lower Treasury yields are driving mortgage rates lower. 15 year mortgage rates are currently averaging 4.35 percent, down from the prior week’s average 15 year mortgage rate of 4.42 percent.

Jumbo Mortgage Rates, Current


30 year jumbo mortgage rates are averaging  5.52 percent this week, down from the prior week’s average jumbo rate of 5.54 percent. Jumbo mortgage refinance rates are also averaging 5.52 percent this week.

Current 15 year jumbo mortgage interest rates are once again under 5.00 percent at 4.95 percent, down from the previous week’s average jumbo loan mortgage rate of 5.03 percent. Today's 15 year jumbo mortgage refinance rates are also averaging 4.95 percent this week.

Current Adjustable Mortgage Rates


Average 1 year conforming adjustable mortgage rates are at 3.85 percent, unchanged from the last week’s average 1 year adjustable mortgage interest rate. 1 year conforming refinance rates are averaging 3.85 percent this week.

Today's 3 year conforming adjustable mortgage interest rates are averaging 4.54 percent, an increase from last week’s average home loan mortgage rate of 4.47 percent. Current 3 year refinance mortgage rates are also averaging 4.54 percent.

Current 5 year conforming adjustable mortgage rates are averaging 3.67 percent this week, down from last week’s average home loan interest rate of 3.68 percent. 5 year refinance mortgage rates are also averaging 3.67.

Current 7 year conforming adjustable mortgage rates are averaging 4.16 percent this week, a decrease from an average 7 year loan rate of 4.31 percent.  7 year refinance mortgage loan rates are also averaging 4.16.

10 year conforming ARMs are averaging 4.52 percent, down from last week's average rate of 4.55 percent. 10 year home loan refinance rates are currently averaging 4.52 percent.

Jumbo Adjustable Mortgage Rates


Average 1 year jumbo ARMs are at 5.95 percent, unchanged from last week’s average 1 year jumbo loan rate of 5.95 percent. Average 1 year jumbo refinance rates are also unchanged at 5.95 percent.

Today's 3 year jumbo adjustable mortgage loans are averaging 5.10 percent, a decrease from the prior week’s average jumbo loan mortgage rate of 5.14 percent. Current 3 year home jumbo refinance rates are also averaging 5.10 percent.

Current 5 year jumbo adjustable rates are averaging 4.46 percent, a decrease from an average mortgage rate of 4.51 percent last week. 5 year jumbo refinance rates are averaging 4.46 percent.

Current 7 year jumbo ARMs are averaging 5.26 percent, down from last week’s average loan mortgage rate of 5.48 percent.7 year jumbo refinance rates are also averaging 5.26 percent this week.

10 year jumbo mortgage interest rates are averaging 5.72 percent, down from last week’s average 10 year jumbo mortgage interest rate of 5.76 percent. 10 year jumbo loan refinance rates are down to 5.72 percent this week.

Interest Only Mortgage Rates


Conforming 3 year interest only mortgage rates are averaging 4.78 percent this week, up from last week’s average mortgage interest rate of 4.69%.

Current 5 year interest only home loans are averaging 3.85 percent this week, unchanged from last week’s average five year interest only mortgage rate.

7 year IO home loans are averaging 4.34 percent, down from an average interest rate of 4.49 percent last week.

3 year jumbo IO loans are averaging 5.43 percent this week, unchanged from last week’s average jumbo interest mortgage rate.

Today’s average 5 year jumbo IO loan rate is at 5.14 percent, down from the prior week’s average IO mortgage rate of 5.29 percent.

The average 7 year jumbo IO loan is averaging 5.65 percent this week, down from last week’s average jumbo 7 year rate of 5.84 percent.

Home Equity Loan Rates


10 year home equity loan rates are averaging 7.297 percent, up from last week’s average home equity loan rate of 7.125. 15 year home equity rates are averaging 7.418 percent this week, down from last week’s average home equity rate of 7.431 percent.

Home Equity Line of Credit Rates (HELOC)


Average home equity line of credit rates are averaging 4.777 percent this week, down from last week’s average HELOC rate of 4.806.
 
 
Author: Brian McKay
May 12th, 2010
Posted in: Mortgage Rates