Mortgage Rates Just Above All-Time Low: 30 Year Mortgage Rates at 4.86%, 15 year Mortgage Rates at 4.22%

Mortgage rates are lower this week over last week and are just above an all-time low. Current 30 year mortgage rates are averaging 4.86 percent, up from an average 30 year mortgage rate of 4.75 percent on Monday. Concerns about the impact of Europe's sovereign debt crisis on the global economy eased a little on Monday as 10 year bond yields rose sending mortgage rates higher.

Searching for current mortgage rates and current mortgage refinance rates? Use our mortgage rates table at MortgageRates.MonitorBankRates.com to find mortgage rates in your state. 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 06101, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Lending.com
Lending.com
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.194
4.125
USD
Lending.com Logo
NMLS # 1071
State Lic # 11040
(877) 387 - 4811
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,156
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
4.232
4.125
USD
Northpointe Bank Logo
NMLS # 447490
(877) 387 - 7830
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $3,515
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.459
4.375
USD
Ally Bank Logo
NMLS # 181005
(877) 252 - 6146
at 0.100 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $2,654
Thanks for the 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
4.280
4.250
USD
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # 3511
(844) 365 - 0536
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,082
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Citibank, N. A.
Citibank, N. A.
https://www.brimg.net/system/img/inst/8189_logo.gif
300000
Refinance
4.671
4.625
USD
Citibank, N. A. Logo
NMLS # 412915
(877) 385 - 1690
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,590
 
 
30 yr fixed Mortgage Loan from Lending.com
Lending.com
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.265
4.250
USD
Lending.com Logo
NMLS # 1071
State Lic # 11040
(877) 387 - 4811
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $551
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
4.650
4.625
USD
Ally Bank Logo
NMLS # 181005
(877) 252 - 6146
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $857
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
4.250
4.250
USD
Northpointe Bank Logo
NMLS # 447490
(877) 387 - 7830
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: None
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Better Mortgage Inc
Better Mortgage Inc
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.148
4.125
USD
Better Mortgage Inc Logo
NMLS # 330511
State Lic # ML-330511
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $826
Thank you for your quote. 
 
30 yr fixed Mortgage Loan from Lending.com
Lending.com
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.034
3.875
USD
Lending.com Logo
NMLS # 1071
State Lic # 11040
(877) 387 - 4811
at 1.100 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $2,417
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from The Guilford Savings Bank
The Guilford Savings Bank
300000
Refinance
4.542
4.500
USD
The Guilford Savings Bank
4.542%
2/15/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $719
 
 
30 yr fixed mtg refi Mortgage Loan from Savings Bank of Danbury
Savings Bank of Danbury
300000
Refinance
4.523
4.500
USD
Savings Bank of Danbury
4.523%
2/15/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $790
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.550
4.500
USD
Citizens Bank, NA
4.550%
2/15/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $998
 
 
30 yr fixed mtg refi Mortgage Loan from Union Savings Bank
Union Savings Bank
300000
Refinance
4.649
4.625
USD
Union Savings Bank
4.649%
2/15/2019
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $852
 
 
30 yr fixed mtg refi Mortgage Loan from Liberty Bank
Liberty Bank
300000
Refinance
4.419
4.375
USD
Liberty Bank
4.419%
2/15/2019
4.375%
at 0.250 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $814
 
 
30 yr fixed mtg refi Mortgage Loan from UniBank for Savings
UniBank for Savings
300000
Refinance
4.786
4.750
USD
UniBank for Savings
4.786%
2/15/2019
4.750%
at 0.250 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $500
 
 
30 yr fixed mtg refi Mortgage Loan from First National Bank of Omaha
First National Bank of Omaha
300000
Refinance
4.815
4.750
USD
First National Bank of Omaha
4.815%
2/21/2019
4.750%
at 0.500 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $752
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.405
4.375
USD
TD Bank, NA
4.405%
2/20/2019
4.375%
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,043
 
 
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 The Washington Trust Company
The Washington Trust Company
300000
Refinance
4.280
4.250
USD
The Washington Trust Company
4.280%
2/19/2019
4.250%
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,083
 
 
30 yr fixed mtg refi Mortgage Loan from United Bank
United Bank
300000
Refinance
4.401
4.375
USD
United Bank
4.401%
2/19/2019
4.375%
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $911
 
 
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
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.373
4.250
USD
Bank of America
4.373%
2/18/2019
4.250%
at 0.998 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,351
 
 

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.






After the markets closed yesterday, Moody's Investors Service cut Greece's government debt to junk status. The downgrade of Greece's debt will drive investors into the safety of U.S. Treasuries sending bond yields down. Lower bond yields will drive mortgage rates lower as well this week.

Current Home Mortgage Rates 


Current 30 year fixed mortgage rates are averaging 4.86 percent, up from an average 30 year mortgage rate of 4.75 percent. Current 30 year mortgage refinancing rates are also up to 4.86 percent.

Current 15 year fixed mortgage rates are down to 4.22 percent, down from the an average 15 year mortgage rate of 4.25 percent. The average 15 year home mortgage refinance rate is averaging 4.22 percent.

Current Jumbo Mortgage Rates


Today's 30 year jumbo mortgage rates are averaging 5.43 percent, unchanged from yesterday's average jumbo mortgage rate. Current 30 year jumbo refinance interest rates are also averaging 5.43 percent.

Current 15 year jumbo mortgage rates are averaging 4.89 percent, down from an average jumbo mortgage rate of 4.92 percent. Today's 15 year jumbo refinance mortgage loans are also lower this week averaging 4.89 percent.

Today's Adjustable Mortgage Interest Rates


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

Current 3 year conforming adjustable mortgage rates are averaging 4.32 percent, an increase from an average mortgage interest rate of 4.29 percent last week. Current 3 year refinance mortgage rates are also higher averaging 4.32 percent.

Currently, 5 year conforming adjustable mortgage rates are averaging 3.75 percent, down from an average home mortgage interest rate of 3.73 percent. Today's 5 year refinance home mortgage interest rates are averaging 3.73 percent.

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

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

Current Jumbo Adjustable Home Mortgage Rates


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

Today's 3 year jumbo adjustable bank mortgage interest rates today are averaging 4.94 percent, down from an average jumbo mortgage rate of 5.00 percent last week. Current 3 year jumbo mortgage refinance rates are also up to 4.94 percent.

5 year jumbo adjustable mortgage rates today are averaging 4.24 percent, down from an average home mortgage rate of 4.40 percent. 5 year jumbo home refinance loan rates are averaging 4.40 percent.

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

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

Today's Interest Only Mortgage Rates


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

Current 5 year conventional interest only mortgage rate are averaging 3.88 percent, up from last week’s average five year interest only mortgage rate of 4.84 percent.

Today's 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


Current 3 year jumbo interest only mortgage rates are averaging 5.51 percent, an increase an average jumbo interest mortgage rate of 5.47 percent last.

5 year jumbo interest-only mortgage rates are averaging 4.82 percent, down from an average internest-only mortgage rate of 5.01 percent.

Current 7 year jumbo interest-only home mortgage rates are averaging 5.30 percent, a declinse from an average jumbo 7 year home mortgage interest rate of 5.51 percent.

Today's 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.

Current 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 15th, 2010
Posted in: Mortgage Rates