Mortgage Rates: 30 Year Mortgage Rates at 5.05%, 15 Year Mortgage Rates at 4.40%

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current-mortgage-rates-30-year-mortgage-rates-at-505-15-year-mortgage-rates-at-440Current mortgage rates are higher in the latest survey released yesterday by Freddie Mac. 30 year mortgage rates are back above 5.00 percent, the first time in three weeks that 30 year rates are higher than 5.00 percent.

30 year mortgage rates are averaging 5.05 percent for the week ending February 25, 2010, up from last week’s average 30 year mortgage interest rate of 4.93 percent. Mortgage discount points averaged 0.7 points.
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 mtg refi Mortgage Loan from UniBank for Savings
UniBank for Savings
300000
Refinance
4.536
4.500
USD
UniBank for Savings
4.536%
4/19/2019
4.500%
at 0.250 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $500
 
 
30 yr fixed mtg refi Mortgage Loan from Liberty Bank
Liberty Bank
300000
Refinance
4.169
4.125
USD
Liberty Bank
4.169%
4/19/2019
4.125%
at 0.250 pts
60 day lock rate
Est payment: $1,453.95
Fees in APR: $814
 
 
30 yr fixed mtg refi Mortgage Loan from Union Savings Bank
Union Savings Bank
300000
Refinance
4.399
4.375
USD
Union Savings Bank
4.399%
4/12/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $852
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.557
4.500
USD
Santander Bank, N.A.
4.557%
4/19/2019
4.500%
at 0.000 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from The Washington Trust Company
The Washington Trust Company
300000
Refinance
4.155
4.125
USD
The Washington Trust Company
4.155%
4/16/2019
4.125%
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,083
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.155
4.125
USD
LincolnWay Community Bank
4.155%
4/16/2019
4.125%
at 0.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from The Guilford Savings Bank
The Guilford Savings Bank
300000
Refinance
4.291
4.250
USD
The Guilford Savings Bank
4.291%
4/19/2019
4.250%
at 0.250 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $719
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.365
4.250
USD
Bank of America
4.365%
4/15/2019
4.250%
at 0.903 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $1,351
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.154
4.125
USD
TD Bank, NA
4.154%
4/16/2019
4.125%
at 0.000 pts
45 day lock rate
Est payment: $1,453.95
Fees in APR: $1,043
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.403
4.375
USD
Citizens Bank, NA
4.403%
4/19/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $998
 
 
30 yr fixed mtg refi Mortgage Loan from First National Bank of Omaha
First National Bank of Omaha
300000
Refinance
4.575
4.500
USD
First National Bank of Omaha
4.575%
4/19/2019
4.500%
at 0.625 pts
60 day lock rate
Est payment: $1,520.06
Fees in APR: $752
 
 
30 yr fixed mtg refi Mortgage Loan from United Bank
United Bank
300000
Refinance
4.276
4.250
USD
United Bank
4.276%
4/16/2019
4.250%
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $911
 
 
30 yr fixed mtg refi Mortgage Loan from Savings Bank of Danbury
Savings Bank of Danbury
300000
Refinance
4.397
4.375
USD
Savings Bank of Danbury
4.397%
4/19/2019
4.375%
at 0.000 pts
60 day lock rate
Est payment: $1,497.86
Fees in APR: $790
 
 

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.






The best refinance rates and mortgage rates can be found in your state or zip code by using our mortgage rate tables. Mortgage Rates & Refinance Rates

The average 15 year mortgage rate increased to 4.40 percent, up from last week's average home loan rate of 4.33 percent. Mortgage discount points were unchanged at 0.7 points.

The average 5 year U.S. Treasury indexed adjustable rate mortgage is at 4.16 percent this week, an increase from the prior week’s average mortgage rate of 4.12 percent. Mortgage Discount points averaged 0.6 points.

The average 1 year Treasury indexed adjustable mortgage rate decreased this week over last. One year ARMs were down to 4.15 percent, down from last week’s average mortgage rate of 4.23 percent. The average mortgage discount point was 0.6 points.

For a more extensive report on today’s mortgage interest rates, MonitorBankRates.com released its Weekly Mortgage Rate Report on Monday, which follows:

Current Mortgage Rates


The average conforming 30 year mortgage rate is back above 5.00 percent at 5.07 percent this week, up from last week’s average home loan rate of 4.95 percent.

15 year conforming home loans are at 4.43 percent this week, up from the prior week’s average mortgage rate of 4.34 percent. 15 year refinance rates increased this week to 4.43 percent.

Jumbo Mortgage Rates


Fixed 30-year jumbo loans are averaging 5.82% this week, up from last week’s average mortgage home loan rate of 5.64%. The average mortgage refinance rates for 30 year jumbo loans increased to 5.82 percent this week.

Fixed 15 year jumbo interest mortgage rates are averaging 5.10% this week, an increase from last week’s average jumbo loan rate of 5.05%. 15 year mortgage refinance rates also increased this past week, the average refinance rate is 5.10%.

Adjustable Mortgage Rates


Conforming 1 year adjustable mortgage rates are averaging 4.26% this week, down from last week’s average 1 year home loan rate of 4.67%. Current one year refinance rates are averaging 4.26% this week.

Today’s 3 year adjustable mortgage interest rates are averaging 4.61%, up from last week’s average mortgage interest rate of 4.59%.

Conforming 5 year adjustable interest mortgage rates are averaging 4.05% this week, unchanged from the previous week’s average mortgage interest rate. The average 5 year mortgage refinance is up to 4.05 percent this week.

Conforming 7 year adjustable mortgage rates are averaging 4.59%, up from last week’s average loan rate of 4.47%. The average 7 year mortgage refinance rate is up to 4.59% this week.

Conforming 10 year bank mortgage rates are averaging 4.83%, down from the prior week’s average mortgage rate of 4.90%. Home loan refinance rates are averaging 4.83 percent this week, down from the prior week's average rate of 4.83 percent..

Jumbo Adjustable Mortgage Rates


1 year jumbo adjustable mortgage rates are averaging 5.59% this week, unchanged from the prior week’s average home mortgage loan rate. The average 1 year home refinance rate is averaging 5.59% this week, unchanged from last week.

The average jumbo 3-year jumbo ARM is at 5.37% this week, up from last week’s average adjustable home loan rate of 5.27%. 3 year home refinance rates are at 5.37% this week, up 10 basis points from last week.

5 year jumbo ARMs are averaging 4.69% this week, unchanged from the prior week’s average home interest mortgage rate. The average 5 year refinance loan rate is unchanged this week over last, the average rate is still at 4.69%.

7 year jumbo ARMs are averaging 5.75% this week, up from last week’s average loan mortgage rate of 5.61%. 7 year loan refinance rates are averaging 5.75% this week.

The average 10 year jumbo mortgage rate is at 5.92%, unchanged from the prior week’s average 10 year mortgage rate. 10 year refinance loan rates are at 5.92% this week, unchanged from the previous week's average refinance loan rate.

Conforming Interest Only Mortgage Rates


3 year interest only mortgage rates are averaging 4.84% this week, up from the prior week’s average interest rate of 4.74%. 3 year IO home loan refinance rates are at 4.84% this week, up from last week's average rate of 4.74%.

5 year interest only loans are averaging 4.20% this week, down from last week’s average five year interest only mortgage interest rate of 4.32%. The average 5 year home mortgage refinance rate is at 4.20% this week, up from the prior week's average rate.

7 year interest only home loans are averaging 4.77% this week, up from last week’s average interest rate of 4.67%. 7 year IO refinance home loan rates are averaging 4.77% this week, up from last week's average refinance home loan rate of 4.67%.

Jumbo Interest Only Mortgage Rates


3 year jumbo interest only mortgages are averaging 5.73% this week, up from last week’s jumbo interest mortgage rate of 5.57%. The average 3 year jumbo refinance interest rate is at 5.73% this week.

5 year jumbo IO loan rates are averaging 5.34%, up from the prior week’s average IO mortgage rate of 5.28%. 5 year jumbo refinance interest rates are averaging 5.34% this week.

The average jumbo 7 year IO loan mortgage rate is at 6.21%, up from last week’s average jumbo rate of 6.08%.

Home Equity Loans Rates


The average home equity loan rate was up this week over last. 10 year home equity loan rates are at 7.475% this week, up from last week’s average equity home loan rate of 7.357%. 15 year home equity rates are up to 7.735%, down from the prior week’s average home equity rate of 7.479%.

Home Equity Line of Credit (HELOC) Rates


Average home equity line of credit rates are up this week over last. The average HELOC rate is at 4.899% this week, up from last week’s average HELOC rate of 4.669%.

Looking mortgage refinance rates? Use our mortgage rate tables to find current refinance rates. Mortgage Refinance Rates.
 
Author: Brian McKay
February 26th, 2010