Current Mortgage Rates Stable as 10 Year Bond Rates Remain Range Bound

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Mortgage rates today on 30 year loans are averaging 4.41 percent, a slight decline from the previous week's average 30 year mortgage rate of 4.44 percent. This past week 10 year U.S. bond yields have traded in a tight range of 2.60 percent to 2.68 percent. There were no big changes in average mortgage rates this week because 10 year bond yields have been stable.

Mortgage rates and bond rates didn't moved that much because there was no major economic news released. Next week's economic calendar includes numbers for new home sales and existing home sales but neither report will move rates that much. We will have to wait until April's unemployment numbers are released in early May to move rates significantly higher or lower.
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 Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.710
4.625
USD
Ally Bank Logo
NMLS # 181005
(877) 260 - 8762
at 0.100 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $2,647
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.414
4.180
USD
E-Click Lending Logo
NMLS # 227765
State Lic # MC-5920
(877) 387 - 3899
at 1.000 pts
30 day lock rate
Est payment: $1,463.55
Fees in APR: $5,230
 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.297
9.125
USD
Sol Mortgage Logo
NMLS # 53112
at 0.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $4,223
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
4.201
4.125
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,414
 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.093
4.000
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 0.100 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $3,059
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
9.277
9.125
USD
CIT Bank Logo
NMLS # 541760
(877) 366 - 5354
at 0.100 pts
45 day lock rate
Est payment: $2,440.90
Fees in APR: $3,692
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
4.288
4.125
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(844) 365 - 0630
at 1.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,764
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.408
4.250
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,577
 
 
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
4.375
4.375
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.250
4.250
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 0.000 pts
45 day lock rate
Est payment: $1,475.82
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
4.394
4.375
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(844) 365 - 0630
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
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 HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.500
4.500
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.427
4.375
USD
E-Click Lending Logo
NMLS # 227765
State Lic # MC-5920
(877) 387 - 3899
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,825
 
 
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
(877) 260 - 8762
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 JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.490
4.490
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
(877) 388 - 2721
at 0.000 pts
45 day lock rate
Est payment: $1,518.27
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Aurora Financial
Aurora Financial
https://www.brimg.net/system/img/inst/4284_logo.gif
300000
Refinance
4.250
4.250
USD
Aurora Financial Logo
NMLS # 35959
State Lic # MC-2967
(877) 359 - 1505
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.020
3.875
USD
CF Bank Logo
NMLS # 409132
(877) 388 - 5173
at 1.100 pts
45 day lock rate
Est payment: $1,410.71
Fees in APR: $1,907
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from E-Click Lending
E-Click Lending
https://www.brimg.net/system/img/inst/4213_logo.gif
300000
Refinance
4.403
4.000
USD
E-Click Lending Logo
NMLS # 227765
State Lic # MC-5920
(877) 387 - 3899
at 2.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $8,093
 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
9.488
9.125
USD
CIT Bank Logo
NMLS # 541760
(877) 366 - 5354
at 1.100 pts
45 day lock rate
Est payment: $2,440.90
Fees in APR: $6,097
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
9.476
9.125
USD
Sol Mortgage Logo
NMLS # 53112
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $5,815
Thanks for the inquiry! 
 
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%
1/14/2019
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 LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.406
4.375
USD
LincolnWay Community Bank
4.406%
1/15/2019
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 Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
4.692
4.625
USD
Northwest Federal Credit Union
4.692%
1/17/2019
4.625%
at 0.750 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $79
 
 
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%
1/18/2019
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
4.420
4.375
USD
Bank of Oak Ridge
4.420%
1/17/2019
4.375%
at 0.250 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.341
4.250
USD
Bank of America
4.341%
1/16/2019
4.250%
at 0.644 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
4.697
4.625
USD
Fulton Bank, NA
4.697%
1/15/2019
4.625%
at 0.500 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
4.579
4.500
USD
Virginia Credit Union
4.579%
1/15/2019
4.500%
at 0.375 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.687
4.625
USD
Citizens Bank, NA
4.687%
1/18/2019
4.625%
at 0.250 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,408
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
4.596
4.500
USD
Apple Federal Credit Union
4.596%
1/16/2019
4.500%
at 1.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $352
 
 

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.






Although current mortgage rates are low historically speaking, most new loan originations are for home purchases instead of refinances. Ellie Mae's Origination Insight Report showed 60 percent of loan originations were for home purchases. A year ago, over 70 percent of new loans were for refinances.

You might have missed the refinance boat if you are looking to refinance a 30 year loan to another 30 year loan but refinancing to a shorter term loan is still an option. If you can swing the higher monthly mortgage payments, refinancing from a 30 year mortgage to a 15 year mortgage will save you a lot of money.

You can use a mortgage calculator with an amortization schedule to see how much the monthly payments will be and how much mortgage interest you can save with a 15 year loan versus a 30 year loan.

Average 30 year mortgage rates are at 4.41 percent this week but there are lenders still quoting 30 year rates with mortgage points below 4.00 percent. In our database of lenders for the state of California, we have five lenders quoting 30 year refinance rates below 4.00 percent.

30 Year Refinance Rates

  • Nations Choice Mortgage 3.75% with 2 points

  • One True Loan 3.875% with 1.50 points

  • Rate 30 3.99 percent with 1 point

  • Aimloan.com 3.875% with 0.10 point

  • Gorefi 3.99% with 1.10 points


Today's mortgage rates on 15 year conforming loans are averaging 3.33 percent, a slight uptick from last week's average 15 year mortgage rate of 3.31 percent. Average 15 year rates are above 3.00 percent but in our database of lenders we have five lenders still quoting 15 year refinance rates below 3.00 percent.

15 Year Refinance Rates

  • Aimloan.com 2.75% with 1.10 points

  • Certus Bank Mortgage 2.875% with 2.00 points

  • Roundpoint Mortgage Company 2.875% with 1.91 points

  • One True Loan 2.875% with 1.25 points

  • Aimloan.com 2.875% with 0.10 point

  • Rate 30 2.99% with 1.00 point


30 year jumbo mortgage rates today are averaging 4.62 percent, down from last week's average 30 year jumbo mortgage rate of 4.66 percent. There aren't any lenders quoting 30 year jumbo refinance rates below 4.00 percent but you can still find 30 year jumbo rates below the average of 4.66 percent. Listed below are the best jumbo rates available in our database.

30 Year Jumbo Refinance Rates

  • Aimloan.com 4.125% with 1.10 points

  • Nations Choice Mortgage 4.125% with 2.00 points

  • One True Loan 4.25% with 1.125 points

  • Go Refi 4.25 with 1.10 points

  • PenFed 4.25% with 1.00 point

  • Home Bridge Financial Services 4.375% with 0.00 point


Average 15 year jumbo mortgage rates are currently at 4.06 percent, up slightly from last week's average 15 year jumbo mortgage rate of 4.04 percent. The lowest jumbo refinance rates on 15 year loans are still below 4.00 percent. Below is a list of the best 15 year jumbo rates in our database.

15 Year Jumbo Refinance Rates

  • Aimloan.com 3.50% with 1.10 points

  • PenFed 3.50% with 1 point

  • Go Refi 3.625% with 1.10 points

  • One True Loan 3.625% with 0.25 point

  • Aimloan.com 3.625% with 0.10 point

  • One True Loan 3.75% with 0.00 point


5/1 adjustable mortgage rates on conforming loans and jumbo loans are both lower this week. The biggest decline was in 5/1 conforming rates, falling from 3.55 percent on average to 3.34 percent. 5/1 jumbo mortgage rates fell from 3.43 percent to 3.39 percent. Below is a list of the best 5/1 adjustable rates.

5/1 Conforming Adjustable Refinance Rates

  • Aimloan.com 2.25% with 1.10 points

  • Certus Bank Mortgage 2.25% with 2 points

  • Rate 30 2.375% with 1 point

  • Roundpoint Mortgage Company 2.50% with 1.932 points

  • Aimloan.com 2.50% with 0.10 point

  • Rate 30 2.50% with 0.00 point

  • Discover Home Loans 2.50% with 2 points


5/1 Jumbo Adjustable Refinance Rates

  • W.J. Bradley Mortgage Capital 2.50% with 1 point

  • Aimloan.com 2.625% with 1.10 points

  • Third Federal Savings and Loan 2.65% with 0.00 point

  • W.J. Bradley Mortgage Capital 2.875% with 0.00 point

  • PenFed Credit Union 2.875% with 1.00 point


Related Posts:


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Mortgage Rates | Search for Current Refinance Rates and Mortgage Rates from Many Lenders

 
 
Author: Brian McKay
April 18th, 2014