Mortgage Rates Mixed Today: 30 Year Mortgage Rates and Refinance Rates are Back Below 5.00%

Mortgage rates and refinance rates are mixed this morning after going higher the past couple of weeks. 30 year mortgage rates and 30 year refinancing rates are back below 5.00 percent. The current average 30 year rate is at 4.98 percent. 30 year mortgage rates and refinancing rates in California are still above 5.00 percent. Current 30 year California rates are averaging 5.11 percent.

Today's 15 year mortgage rates and 15 year refinancing rates are averaging 4.33 percent. 15 year mortgage refinancing rates and mortgage rates in Texas are slightly higher than the national average rate. Current Texas 15 year rates are averaging 4.34 percent.

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.






30 year jumbo mortgage rates today and 30 year jumbo mortgage refinance rates are averaging 5.55 percent. 30 year mortgage rates and refinancing mortgage rates in New York are higher than the national average. New York 30 year jumbo rates are averaging 5.63 percent.

15 year jumbo rates and jumbo refinancing rates are averaging 4.82 percent. 15 year jumbo mortgage rates today and jumbo refinance rates in New Jersey are lower than the national average. New Jersey 15 year jumbo rates are averaging 4.71 percent.

Following is a more in-depth home mortgage loan rates report released by MonitorBankRates.com earlier this week:

Mortgage Rates and Refinance Rates


Current 30 year conforming mortgage rates and refinance rates are averaging 5.04 percent, an increase from last week’s average 30 year home loan rates and mortgage refinance rate of 4.87 percent. This is the first time since April 2010 that 30 year rates are above 5.00 percent.

15 year mortgages rates and refinance mortgage rates are averaging 4.23 percent, down slightly from last week when 15 year mortgage rates and refinance rates averaged 4.24 percent.

30 year jumbo refinance rates and 30 year jumbo mortgage interest rates are currently averaging 5.46 percent, down from last week’s average jumbo rate and jumbo refi rate of 5.50 percent.

15 year jumbo rates and jumbo refinance rates are averaging 4.76 percent, a decrease from the prior week’s average jumbo mortgage loan rate of 4.80 percent.

Conventional Adjustable Rates and Conventional Adjustable Refinancing Rates


The current refinancing rate and mortgage rate on 1 year adjustable rates are averaging 2.90 percent, down from last week’s average 1 year adjustable home mortgage refi rate and loan rate of 3.06 percent.

3 year adjustable mortgage refinance rates and adjustable mortgage rates are averaging 3.59 percent, up from last week’s average 3 year adjustable mortgage loan rate of 3.25 percent.

Current refinance rates and mortgage rates on 5 year adjustable mortgages are averaging 3.57 percent, an increase from the prior week’s average rate of 3.37 percent.

Current refinance mortgage rates and mortgage rates on 7 year adjustable home loans are averaging 4.10 percent, up from the previous week’s average 7 year loan rate of 3.86 percent.

10 year adjustable mortgage loan rates are averaging 4.60 percent this week, up from last week’s average 10 year adjustable rate of 4.56 percent. Current mortgage refinance rates on 10 year home loans are also averaging 4.60 percent.

Adjustable Jumbo Refinance Rates and Jumbo Mortgage Loan Rates


1 year jumbo adjustable loan rates are averaging 3.50 percent, down from the prior week’s average 1 year jumbo adjustable loan interest rate of 3.63 percent. Refinance rates on 1 year jumbo loans are also averaging 3.50 percent.

3 year adjustable jumbo rates are averaging higher at 4.47 percent, up from last week’s average 3 year jumbo adjustable rate of 4.28 percent. Today’s refinance interest rates on 3 year jumbo loans are also higher, averaging 4.47 percent.

5 year adjustable jumbo interest rates today are averaging 3.99 percent, an increase from last week’s average jumbo adjustable rate of 3.86 percent. Today’s refinancing mortgage interest rates are also averaging 3.99 percent.

7 year jumbo adjustable loan rates today are averaging 4.78 percent, down from last week’s average 7 year adjustable home loan rate of 4.81 percent. 7 year jumbo refinance loan rates are also lower at 4.78 percent.

10 year jumbo loan rates are averaging 5.39 percent, up from the prior week’s average 10 year jumbo home loan rate of 5.36 percent. 10 year jumbo refinance interest rates are also higher, averaging 5.39 percent.

Conventional Interest Only Adjustable Mortgage Rates and IO Refinancing Rates


3 year interest only adjustable mortgage loan rates are averaging 3.76 percent, up from last week’s average interest only mortgage loan rate of 3.49 percent. 3 year interest only adjustable refinance mortgage rates are also averaging 3.76 percent.

5 year interest only adjustable loan rates are averaging 3.81 percent, up from last week’s average five year interest only mortgage loan rate of 3.59 percent. Current 5 year interest only adjustable refinance mortgage loan rates are also averaging 3.81 percent.

7 year interest only adjustable mortgage loan rates are averaging 4.35 percent, up from last week’s average 7 year interest-only mortgage interest rate of 4.14 percent. 7 year adjustable refi loan rates are averaging 4.35 percent.

Jumbo Mortgage Refinance Rates and Mortgage Rates on Interest Only Adjustable Jumbo Mortgages


3 year jumbo interest only adjustable loan rates are averaging 4.80 percent, down from last week’s average jumbo adjustable interest only rate of 4.83 percent. 3 year interest only adjustable jumbo refi rates are also lower averaging 4.80 percent.

5 year adjustable jumbo loan interest only rates are averaging 4.30 percent, down from last week’s average IO home mortgage interest rate of 4.32 percent. 5 year jumbo adjustable IO loan rates are also higher, averaging at 4.30 percent.

7 year jumbo interest only adjustable rates are averaging 5.04 percent, down from last week’s average jumbo 7 year home loan rate of 5.11 percent. Current 7 year jumbo adjustable interest-only rates are also averaging 5.04  percent.

Home Equity Loan Rates Today


10 year home equity loan rates are averaging 6.714 percent, no change from last week’s average home equity loan rate.

15 year home equity rates are averaging 7.093 percent, unchanged from the prior week’s average home equity loan rate.

Home Equity Line of Credit (HELOC) Rates Today


Home equity line of credit rates are averaging 5.15 percent, no change from last week’s average rate HELOCs.
 
 
Author: Brian McKay
February 18th, 2011
Posted in: Mortgage Rates