Current 15 Year Mortgage Rates Averaging 2.81%: Best Rates Available at 2.25%

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Current mortgage rates on 15 year conforming loans are averaging 2.81 percent today. Average 15 year rates are just above record lows of 2.74 percent set back in October. In the coming year we will probably see average 15 year rates make new lows around 2.65 percent but you can already find many lenders quoting 15 year mortgage refinance rates well below these rates with and without mortgage discount points.

Mortgage points allow you to buy down the mortgage rate by paying money upfront at closing. 1 point is equal to 1 percent of the loan. If you're planning on staying in a home for a long time getting a lower mortgage rate by buying the rate down will save you a lot of money in interest payments in the long run.
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 eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.450
4.375
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 387 - 4811
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,325
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
4.720
4.625
USD
Ally Bank Logo
NMLS # 181005
at 0.100 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $2,998
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
4.359
4.250
USD
Northpointe Bank Logo
NMLS # 447490
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,557
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.554
4.375
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,234
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.309
9.125
USD
Sol Mortgage Logo
NMLS # 53112
at 0.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $4,541
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.449
4.375
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,300
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.332
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 388 - 9671
at 0.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $2,960
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.400
4.300
USD
CIT Bank Logo
NMLS # 541760
at 0.100 pts
45 day lock rate
Est payment: $1,484.61
Fees in APR: $3,220
Thank you for your inquiry! We look forward to working with you. 
 
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
4.564
4.375
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,583
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.630
4.500
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $1,509
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.719
4.625
USD
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,967
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.625
4.625
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.625
4.625
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MC-5877
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.625
4.625
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 387 - 4811
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.898
4.875
USD
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $777
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Commonwealth Mortgage, LLC
Commonwealth Mortgage, LLC
https://www.brimg.net/system/img/inst/5071_logo.gif
300000
Refinance
4.230
4.230
USD
Commonwealth Mortgage, LLC Logo
NMLS # 1023
State Lic # MC-5814
(877) 387 - 2871
at 0.000 pts
30 day lock rate
Est payment: $1,472.31
Fees in APR: None
Thanks for the inquiry! 
 
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
4.519
4.500
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $675
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.460
4.460
USD
Sol Mortgage Logo
NMLS # 53112
at 0.000 pts
30 day lock rate
Est payment: $1,512.93
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
300000
Refinance
4.506
4.500
USD
Republic Bank Logo
NMLS # 402606
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $219
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.625
4.625
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.875
4.875
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_logo.gif
300000
Refinance
4.490
4.490
USD
LoanLock Logo
NMLS # 237507
at 0.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: None
 
 
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
4.625
4.625
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.490
4.490
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 388 - 9671
at 0.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: None
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
4.511
4.500
USD
Northpointe Bank Logo
NMLS # 447490
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $379
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.548
4.375
USD
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,727
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.367
4.250
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MC-1772
(877) 387 - 4811
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $825
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.377
4.250
USD
CIT Bank Logo
NMLS # 541760
at 1.100 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,192
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.557
9.125
USD
Sol Mortgage Logo
NMLS # 53112
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $7,831
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.264
4.115
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
(877) 388 - 9671
at 1.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $1,979
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.927
4.875
USD
Citizens Bank, NA
4.927%
12/7/2018
4.875%
at 0.125 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.609
4.500
USD
Bank of America
4.609%
12/12/2018
4.500%
at 0.842 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.913
4.875
USD
Raymond James Bank, NA
4.913%
12/11/2018
4.875%
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.778
4.750
USD
TD Bank, NA
4.778%
12/7/2018
4.750%
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.848
4.750
USD
Apple Federal Credit Union
4.848%
12/12/2018
4.750%
at 1.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.818
4.750
USD
Northwest Federal Credit Union
4.818%
12/12/2018
4.750%
at 0.750 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.683
4.625
USD
State Department Federal Credit Union
4.683%
12/10/2018
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.781
4.750
USD
LincolnWay Community Bank
4.781%
12/11/2018
4.750%
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.794
4.750
USD
Bank of Oak Ridge
4.794%
12/13/2018
4.750%
at 0.227 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.820
4.750
USD
Virginia Credit Union
4.820%
12/11/2018
4.750%
at 0.250 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.926
4.875
USD
Fulton Bank, NA
4.926%
12/11/2018
4.875%
at 0.250 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.934
4.875
USD
Santander Bank, N.A.
4.934%
12/13/2018
4.875%
at 0.000 pts
60 day lock rate
Est payment: $1,587.62
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.






I should also mention getting a 15 year loan instead of a 30 year loan will save you even more money in interest payments. Depending on the mortgage loan amount you will save ten of thousands or even hundreds of thousands of dollars in mortgage interest, plus you own your home outright in 15 years instead of 30 years. The only drawback is your monthly mortgage payments will be higher with a 15 year loan but if you can afford the payments you're definitively better off with a 15 year loan.

If you're comparing 15 year mortgage rates to buy a home or comparing 15 year refinance rates to refinance your currently loan you're come to the right place. Depending on the state you live in we list interest rates from dozens of lenders with different point combinations and rates. When you use our rate tables you can easily sort the results by lender, mortgage rate, or the annual percentage rate (APR).

To give you can example of how low lenders quote rates on our rate tables right now on our 15 year conforming rate list for the state of Texas we have one lender offering 15 year refinance rates at 2.25 percent with less then 2 mortgage points. The lowest 15 year refinancing rate without points on our Texas list is at 2.50 percent. If you're looking for jumbo mortgage rates right now on our jumbo rate list for Texas the lowest rate overall is at 2.875 percent without points!

Other states we have lenders quoting refinance rates on 15 year conforming loans include Florida where the lowest rate is at 2.375 percent with less than 1.5 mortgage points. The lowest Florida refinance rate for a 15 year loan without points is at 2.625 percent. Mortgage rates today on 15 year jumbo loans in Florida can be found as low as 2.875 percent with zero points.

Feel free to browse your 15 year mortgage rate list in your state so you can find the best rates available. Most mortgage websites require you to practically sign up for a loan and provide your contact information to view a list of rates. On MonitorBankRates.com  you can view a list of rates without providing any contact information.
 
Author: Robert Till
December 11th, 2012