Mortgage Rates Above All-Time Low: 30 Year Mortgage Rates at 4.76%, 15 Year Mortgage Rates at 4.21%

Mortgage rates were down again this week over last week. Current 30 year mortgage rates are down for three consecutive weeks and are just above an all-time low. 30 year mortgage rates are averaging 4.76 percent this week, down from the prior week’s average mortgage rate of 4.85 percent. 30 year mortgage rates haven't been this low since late last year when the Federal Reserve was propping up the mortgage market by buying mortgage-backed securities (MBS).

Searching for mortgage rates and mortgage refinance rates? Use our mortgage rates table at MortgageRates.MonitorBankRates.com to find the best mortgage rates. Unlike most websites, no personal information is needed for a list of 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 Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.981
4.750
USD
E-Click Lending Logo
NMLS # 227765
State Lic # MC-5920
(877) 387 - 3899
at 1.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $4,835
 
 
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
4.168
3.990
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $3,359
 
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
4.269
4.250
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $675
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
5.179
5.125
USD
E-Click Lending Logo
NMLS # 227765
State Lic # MC-5920
(877) 387 - 3899
at 0.000 pts
30 day lock rate
Est payment: $1,633.46
Fees in APR: $1,825
 
 
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
4.375
4.375
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Citibank, N. A.
Citibank, N. A.
https://www.brimg.net/system/img/inst/8189_logo.gif
300000
Refinance
4.672
4.625
USD
Citibank, N. A. Logo
NMLS # 412915
(877) 387 - 1820
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,635
 
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.877
4.490
USD
E-Click Lending Logo
NMLS # 227765
State Lic # MC-5920
(877) 387 - 3899
at 2.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $7,176
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.662
4.625
USD
Raymond James Bank, NA
4.662%
2/19/2019
4.625%
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.686
4.625
USD
Fulton Bank, NA
4.686%
2/19/2019
4.625%
at 0.375 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.665
4.625
USD
Citizens Bank, NA
4.665%
2/15/2019
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.465
4.375
USD
Virginia Credit Union
4.465%
2/19/2019
4.375%
at 0.500 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,650
 
 
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%
2/18/2019
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 Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.683
4.625
USD
Santander Bank, N.A.
4.683%
2/21/2019
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.295
4.250
USD
Bank of Oak Ridge
4.295%
2/21/2019
4.250%
at 0.250 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.238
4.125
USD
Bank of America
4.238%
2/20/2019
4.125%
at 0.913 pts
60 day lock rate
Est payment: $1,453.95
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.470
4.375
USD
Apple Federal Credit Union
4.470%
2/20/2019
4.375%
at 1.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.545
4.500
USD
Northwest Federal Credit Union
4.545%
2/20/2019
4.500%
at 0.500 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.406
4.375
USD
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
 
 

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.






Mortgage rates have been heading lower the past couple of weeks because of the markets concern about the European government debt crisis. Since the problems began a few weeks ago bond yields and mortgage rates have headed lower. Although mortgage rates are low right now, rates will head higher very soon. St. Louis Federal Reserve Bank President, James Bullard said this past Monday that the debt crisis in Europe is unlikely to derail the global economic recovery.

Current Mortgage Rates


30 year fixed mortgage rates are averaging 4.76 percent, down from last week’s average 30 year mortgage interest rate of 4.85 percent. Today's 30 year mortgage refinancing rates are also down, averaging 4.75 percent.

Current 15 year mortgage rates are down to 4.21 percent, down from an average 15 year mortgage rate of 4.27 percent. The current average 15 year home mortgage refinance rate is also 4.21 percent.

Jumbo Mortgage Rates, Current


Current 30 year jumbo mortgage rates are averaging 5.36 percent, down from an average jumbo mortgage rate of 5.49 percent. Current 30 year jumbo refinance rates are lower this week averaging in at 5.36 percent.

Current 15 year fixed jumbo mortgage rates are averaging 4.81 percent, a decline from an average jumbo mortgage loan rate of 4.92 percent. Today's 15 year jumbo refinance mortgage loans are also lower averaging 4.81 percent.

Today's Adjustable Mortgage Rates


Today's 1 year conforming adjustable mortgage interest rates are averaging 3.71 percent, down from an average 1 year adjustable interest mortgage rate of 3.73 percent last week. Current 1 year adjustable refinance mortgage interest rates are averaging 3.71 percent.

The current average 3 year conforming adjustable mortgage rate is averaging 4.32 percent, up from an average mortgage rate of 4.29 percent last week. Current 3 year refinance mortgage interest rates are also up this week averaging 4.32 percent.

5 year conforming adjustable mortgage interest rates are averaging 3.75 percent, up from an average home mortgage interest rate of 3.73 percent. 5 year refinance home mortgage rates are averaging 3.75 percent.

7 year conforming adjustable mortgage rates are averaging 4.15 percent, down from last week’s average 7 year  mortgage home interest rate of 4.21 percent. 7 year mortgage refinance rates were also down to 4.15 percent this week.

10 year conforming adjustable  mortgage rates are averaging 4.45 percent, up from an average 10 year home mortgage rate of 4.41 percent last week. 10 year home loan mortgage refinance rates are averaging 4.45 percent.

Jumbo Adjustable Home Mortgage Rates


1 year jumbo adjustable mortgage rates are averaging 5.95 percent, unchanged from last week’s average 1 year adjustable jumbo mortgage rate. 1 year jumbo refinance mortgage rates are also averaging 5.95 percent.

3 year jumbo adjustable mortgage rates today are averaging 4.94 percent, down from an average jumbo mortgage rate of 5.00 percent last week. 3 year jumbo mortgage refinance rates are up to 4.94 percent.

5 year jumbo adjustable mortgage interest rates are averaging 4.24 percent, a decline from last week’s average home mortgage rate of 4.40 percent. 5 year jumbo home refinance loan rates are averaging 4.24 percent.

7 year jumbo adjustable mortgage rates are averaging 4.98 percent, down from last week’s average 7 year home loan rate of 5.26 percent. 7 year jumbo refinance rates are also down to 4.98 percent.

10 year jumbo home mortgage rates today are averaging 5.58 percent, down from an average 10 year jumbo home mortgage rate of 5.65 percent last week. 10 year jumbo home loan refinance rates are also averaging 5.58 percent this week.

Interest Only Mortgage Rates


3 year interest only conforming mortgage rates are averaging 4.51 percent,up from last week’s average IO home mortgage rate of 4.43 percent.

5 year conventional interest only mortgage loans today are averaging 4.88 percent, up from last week’s average five year interest only mortgage  rate of 4.84 percent.

7 year IO home mortgage rates are averaging 4.27 percent, down from an average mortgage rate of 4.35 percent last week.

Jumbo Interest Only Mortgage Rates


The average 3 year jumbo interest only mortgage rates are averaging 5.51 percent this week, up from an average jumbo interest mortgage rate of 5.47 percent last week.

The current average 5 year jumbo IO loan home mortgage rates are averaging 4.82 percent, down from an average IO home mortgage rate of 5.01 percent.

Today’s 7 year jumbo IO home mortgage loans are averaging 5.30 percent, down from an average jumbo 7 year home mortgage rate of 5.51 percent.

Home Equity Loan Rates


10 year home equity loan rates are averaging 7.139 percent, a decrease from last week’s average home equity loan rate of 7.255 percent.

15 year home equity rates are averaging 7.446 percent this week, up from last week’s average home equity rate of 7.416.

Home Equity Line of Credit Rates (HELOC)


The current average home equity line of credit rates are averaging 4.777 percent this week, unchanged from last week’s average HELOC rate.
 
 
Author: Brian McKay
June 17th, 2010
Posted in: Mortgage Rates