Current 15-year Fixed Rate Mortgages
from HSH's editorial survey -- updated daily!

Here's a small random sample of loan rates drawn from the survey of objective information we collect every day. Our database contains current data on thousands of loans from lenders coast to coast -- including jumbo loans.

Unlike other 'surveys,' and other Web sites, these mortgage rates are not advertisements. HSH contacts over 2,000 lenders across the country every week -- the same objective survey we've conducted for over 25 years. Our data is so reliable that it's used by Fortune 500 companies, government agencies, the media, and other clients.

These are representative of loans which may be offered in your area, but we don't claim that these are the "best" available. There are many factors which make the "best" loan dependent upon your individual circumstance.

For much more information for your area, purchase one of our current in-depth surveys. Available via email (or hardcopy format), our surveys include dozens of lenders and loans -- including jumbos. hybrid ARMs, NYC co-ops, and more.

For even more choices, be sure to visit the Lender Showcase -- it's where lenders coast to coast advertise their best mortgage programs. Credit a little shaky? Visit the Bad Credit lender directory. Whichever you need, you'll find lenders advertising their best and most competitive mortgage rates and other loan programs.

All information is Copyright © Wednesday, 07-Jan-2009 08:25:21 EST HSH Associates, Financial Publishers, Pompton Plains NJ. All rights reserved.

Lender State Phone Lending Area % down
 Rate %
 Points
 Maximum Loan
$1,000
BANK OF AMERICA MORTGAGE MA 781-356-2260 ALL MASSACHUSETTS 20 4.625 0 417
CHASE MANHATTAN BANK NJ 201-612-9305 NORTHERN NEW JERSEY 5 5 0 417
CHASE MANHATTAN MORTGAGE NY 516-733-3860 ALL NEW YORK 5 5 0 417
CITIBANK CA 213-627-8274 ALL CALIFORNIA 10 4.75 0.5 417
CITIBANK, FSB CT 203-321-4600 ALL CONNECTICUT 20 4.75 0.5 417
CITIBANK CA 925-254-1701 ALL CALIFORNIA 10 4.75 0.5 417
CITIBANK, FSB NY 718-472-3400 ALL NEW YORK 10 4.25 2 417
CITIZENS BANK CT 860-526-6410 ALL CONNECTICUT 5 4.625 0 417
COUNTRYWIDE HOME LOANS, INC MA 508-832-4587 ALL MASSACHUSETTS,NH,CT,RI 5 4.75 0 417
CROSS COUNTY FEDERAL S&L NY 718-651-4600 5 BOROUGHS 5 5.375 0 417
FIRSTBANK OF COLORADO CO 303-232-2000 DENVER METRO 5 5 1 417
KEY BANK NY 518-449-4082 ALL NEW YORK 5 5.25 0.125 417
M & T BANK NY 845-565-3000 SOUTHERN NEW YORK 5 4.75 0 417
SOVEREIGN BANK MA 508-732-1900 ALL MASSACHUSETTS 5 4.75 0 417
SUFFOLK COUNTY NATIONAL BANK NY 631-208-2244 LONG ISLAND 20 4.5 0 417
THE PROVIDENT BANK NJ 732-726-9700 ALL NEW JERSEY 5 5 0 417
US BANK MN 763-417-7000 ALL MINNESOTA 20 5.375 1 1000
WACHOVIA MORTGAGE CORP VA 757-591-5800 ALL VIRGINIA 5 5.625 0 417
WASHINGTON MUTUAL BANK OR 503-698-8191 ALL OREGON 20 4.5 0.75 417
WELLS FARGO HOME MORTGAGE PA 215-860-9111 ALL PENNSYLVANIA 10 5 0 417

Be sure to see our other loan samples:
30-Year FRMs 1-Year ARMs 5/1-Year Hybrid ARMs

Notes:

  • All interest rates and terms are subject to change without notice.
  • These lenders offer many different loan programs. If you want one that isn't listed, contact the lender directly.
  • The conforming loan limit for a one-family home is $417,000; two- to four-family homes have higher loan amounts.
  • Lenders which offer conforming loans almost always offer jumbo loans as well.

Need a comprehensive list of local lenders? HSH's surveys cover metropolitan areas coast to coast. Our Homebuyer's Mortgage Kit is just $20 (plus $3 s/h). If you don't want the Kit (which includes "How to Shop for Your Mortgage", you can have just the latest mortgage report emailed to you for just $10 (plus $1 s/h). It includes the application fee, APR, rate-lock info, index, margin, and caps on 3 or more loans per lender.

To order a report for your area, just call 1-800-873-2837 (Mon-Fri, 9am-5pm Eastern time); Visa and MasterCard accepted. Or use our secure online order form.

Column heading key

Lender: The institution. If a credit union, you'll need to contact them for membership information and details.

State: The state in which the lender is located.

Phone: The lender's contact number.

Lending Area: The area which the listed office serves.

Adjustment Period: How often the interest rate adjusts (in years).

Term:The total term of the mortgage.

Down Payment: The required down payment for the listed loan.

Interest Rate: The interest rate being charged for the listed loan.

Points: A fee, expressed as a percentage of the loan amount.
One point is equal to a 1% fee; a 1% fee on $100,000 would be a $1000 fee.

Maximum Loan: The maximum dollar amount available at the listed rates and terms.

Index Used: The name of the index used to govern rate changes.

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