Mortgage Rates – Current 30 Year Mortgage Rates at 4.90%, 15 Year Mortgage Rates at 4.33%

Mortgage rates are down again in the most recent mortgage rate survey released yesterday. 30 year mortgage rates are averaging 4.90 percent, this is the lowest average 30 year mortgage rates in 2010. A decline in U.S. Treasury yields has driven current mortgage rates lower. 10 year U.S. Treasury were 3.85 percent late last month but have gone back under 3.50 percent, closing at 3.44 percent on Friday. 

Looking for current mortgage rates and current refinance rates? Search our mortgage rate tables at MortgageRates.MonitorBankRates.com to find the lowest mortgage rates and refinance 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 US Wide Financial
US Wide Financial
https://www.brimg.net/system/img/inst/5230_logo.gif
300000
Refinance
3.891
3.875
USD
US Wide Financial Logo
NMLS # 192116
at 0.000 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $582
Thank you for your inquiry! 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.403
4.375
USD
Fulton Bank, NA
4.403%
5/21/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $1,007
 
 
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%
5/21/2019
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 State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.306
4.250
USD
State Department Federal Credit Union
4.306%
5/20/2019
4.250%
at 0.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.044
4.000
USD
Bank of Oak Ridge
4.044%
5/16/2019
4.000%
at 0.250 pts
60 day lock rate
Est payment: $1,432.25
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.213
4.125
USD
Virginia Credit Union
4.213%
5/21/2019
4.125%
at 0.500 pts
45 day lock rate
Est payment: $1,453.95
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.030
4.000
USD
LincolnWay Community Bank
4.030%
5/21/2019
4.000%
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.103
4.000
USD
Bank of America
4.103%
5/22/2019
4.000%
at 0.798 pts
60 day lock rate
Est payment: $1,432.25
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.169
4.125
USD
Northwest Federal Credit Union
4.169%
5/22/2019
4.125%
at 0.500 pts
45 day lock rate
Est payment: $1,453.95
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.219
4.125
USD
Apple Federal Credit Union
4.219%
5/22/2019
4.125%
at 1.000 pts
60 day lock rate
Est payment: $1,453.95
Fees in APR: $352
 
 
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%
5/22/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $2,004
 
 

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 15 year mortgage rates were also lower in the mortgage rate survey released by MonitorBankRates.com. Today's 15 year mortgage rates are averaging 4.33 percent, down from last week’s average 15 year mortgage rate of 4.35 percent.

Mortgage Rates - Current


Current 30 year jumbo mortgage rates are averaging  5.54 percent this week, up from the previous week’s average jumbo mortgage interest rate of 5.52 percent. Current 30 year jumbo refinance rates are also averaging 5.54 percent.

Today's 15 year jumbo mortgage rates are averaging 4.88 percent, down from the prior week’s average jumbo loan rate of 4.95 percent. Current 15 year jumbo mortgage refinance rates are averaging 4.88 percent this week.

Conforming Adjustable Mortgage Rates - Current


Current 1 year conforming adjustable mortgage rates are averaging 3.85 percent, unchanged from the previous week’s average 1 year adjustable mortgage interest rate. 1 year adjustable mortgage refinance rates are also averaging 3.85 percent this week.

Currently, 3 year adjustable mortgage rates a averaging 4.35 percent, a decline from the previous week’s average home mortgage rate of 4.54 percent. Current 3 year refinance mortgage rates are also averaging 4.35 percent.

Today's 5 year adjustable mortgage rates are averaging 3.95 percent, an increase from last week’s average loan mortgage rate of 3.67 percent. Current 5 year mortgage refinance interest rates are also averaging 3.95 percent.

Current 7 year conforming adjustable mortgage loan rates are averaging 4.14 percent, down from an average 7 year mortgage interest rate of 4.16 percent. Current 7 year refinance loan rates are also averaging 4.14 percent.

Current conforming 10 year adjustable loan rates are averaging 4.51 percent, down from the previous week’s average mortgage interest rate of 4.52 percent. Current 10 year home loan refinance rates are currently averaging 4.51 percent.

Jumbo Adjustable Mortgage Rates - Current


1 year jumbo adjustable mortgage rates are averaging in at 5.95 percent today, unchanged from the previous week’s average 1 year jumbo adjustable loan rate of 5.95 percent. Current 1 year jumbo refinance rates are also averaging 5.95 percent this week.

Today’s 3 year jumbo adjustable rate loans are averaging 5.11 percent, up from last week’s average jumbo home loan rate of 5.10 percent. Current 3 year home jumbo refinance rates are also averaging 5.11 percent.

Current 5 year jumbo ARMs are averaging 4.50 percent, up from an average mortgage rate of 4.46 percent. Current 5 year jumbo refinance loan rates are averaging 4.50 percent.

The current average 7 year jumbo ARM is at 5.32 percent, an increase from last week’s average loan mortgage rate of 5.26 percent. Current 7 year jumbo refinance rates are also averaging 5.32 percent this week.

Currently, 10 year jumbo mortgage interest rates are at 5.80 percent, up from the previous week’s average 10 year jumbo mortgage rate of 5.72 percent. 10 year jumbo loan refinance rates are also up to 5.80 percent this week.

Mortgage Rates Interest Only - Current


Current conforming 3 year interest only mortgage rates are averaging 4.57 percent this week, up from last week’s average mortgage interest rate of 4.78 percent.

Today’s 5 year interest only home loans are averaging 3.83 percent this week, down from last week’s average five year interest only mortgage rate of 3.85 percent.

7 year IO home loans are averaging 4.29 percent, down from an average interest rate of 4.34 percent last week.

Jumbo Interest Only Mortgage Rates - Current


3 year jumbo IO loans are averaging 5.49 percent this week, an increase from last week’s average jumbo interest mortgage rate of 5.43 percent.

Today’s average 5 year jumbo IO loan rate is at 5.17 percent, up from the prior week’s average IO mortgage rate of 5.14 percent.

The average 7 year jumbo IO loan is averaging 5.73 percent this week, up from last week’s average jumbo 7 year rate of 5.65 percent.

Home Equity Loan Rates - Current


10 year home equity loan rates are averaging 7.297 percent, unchanged  from last week’s average home equity loan rate.

15 year home equity rates are averaging 7.418 percent this week, unchanged from last week’s average home equity rate of 7.418 percent.

Home Equity Line of Credit Rates (HELOC) - Current


Average home equity line of credit rates are averaging 4.664 percent this week, down from last week’s average HELOC rate of 4.777.
 
 
Author: Brian McKay
May 18th, 2010
Posted in: Mortgage Rates