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Mortgage Rates Higher on December's Employment Report: 30 Year Mortgage Rates Today Averaging 3.40 Percent - CD Rates - Search for CD Rates Today
 

Mortgage Rates Higher on December’s Employment Report: 30 Year Mortgage Rates Today Averaging 3.40 Percent

A stronger than expect employment report for December sent average mortgage rates higher this week. This is the second consecutive week fixed conforming mortgage rates moved higher in the Primary Mortgage Market Survey released by Freddie Mac. Although average 30 year and 15 year mortgage rates are higher they are just off of record lows set back in late November 2012.

Current mortgage rates on 30 year loans are averaging 3.40 percent with 0.7 mortgage discount points for the week ending January 10, 2012. Average 30 year mortgage interest rates are up from the prior week's average rate of 3.34 percent. The record low 30 year mortgage rate in the PMMS was 3.31 percent set on November 21, 2012.

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 Mortgage Loan from Garden State Home Loans
Garden State Home Loans
https://www.brimg.net/system/img/inst/7950_logo.gif
300000
Refinance
4.459
4.375
USD
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,638
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.355
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,405
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Valley National Bank
Valley National Bank
https://www.brimg.net/system/img/inst/10413_logo.gif
300000
Refinance
4.790
4.750
USD
Valley National Bank Logo
at 0.100 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,086
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
4.312
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,895
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.553
4.375
USD
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,220
 
 
Next button
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.832
4.750
USD
at 0.100 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $2,520
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from American Federal Mortgage Corporation
American Federal Mortgage Corporation
https://www.brimg.net/system/img/inst/10317_logo.gif
300000
Refinance
4.344
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,027
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.224
4.125
USD
at 0.100 pts
45 day lock rate
Est payment: $1,453.95
Fees in APR: $3,215
Thanks for the inquiry! 
 
Next button
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
4.358
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,511
 
 
Next button
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.340
4.240
USD
at 0.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $3,236
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.427
4.325
USD
at 0.100 pts
45 day lock rate
Est payment: $1,489.02
Fees in APR: $3,297
Thank you for your inquiry! We look forward to working with you. 
 
Next button
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
4.563
4.375
USD
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,567
 
Next button
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.636
4.500
USD
HomeDirect Mortgage Logo
at 1.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $1,743
 
 
Next button
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.820
4.750
USD
at 0.100 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $2,101
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.358
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,506
 
 
Next button
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.554
4.500
USD
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,895
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Valley National Bank
Valley National Bank
https://www.brimg.net/system/img/inst/10413_logo.gif
300000
Refinance
4.875
4.875
USD
Valley National Bank Logo
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
Thanks for the inquiry! 
 
Next button
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
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
Next button
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
4.378
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $107
Thanks for the inquiry! 
 
Next button
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
4.500
4.500
USD
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
Next button
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.908
4.875
USD
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $1,149
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
5.012
5.000
USD
at 0.000 pts
45 day lock rate
Est payment: $1,610.46
Fees in APR: $408
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.379
4.375
USD
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $128
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.491
4.490
USD
at 0.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $29
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
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
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $675
 
Next button
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.522
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $779
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Garden State Home Loans
Garden State Home Loans
https://www.brimg.net/system/img/inst/7950_logo.gif
300000
Refinance
4.441
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,338
Thanks for the inquiry! 
 
Next button
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
4.523
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $809
 
 
Next button
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.511
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $398
 
 
Next button
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
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
Next button
30 yr fixed Mortgage Loan from American Federal Mortgage Corporation
American Federal Mortgage Corporation
https://www.brimg.net/system/img/inst/10317_logo.gif
300000
Refinance
4.490
4.490
USD
at 0.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: None
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Better Mortgage Inc
Better Mortgage Inc
https://www.brimg.net/system/img/inst/9722_logo.gif
300000
Refinance
4.316
4.250
USD
Better Mortgage Inc Logo
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,335
Thank you for your quote. 
 
Next button
30 yr fixed Mortgage Loan from Garden State Home Loans
Garden State Home Loans
https://www.brimg.net/system/img/inst/7950_logo.gif
300000
Refinance
9.561
9.125
USD
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $7,948
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.154
4.000
USD
at 1.100 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $2,213
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.556
4.375
USD
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,017
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.272
4.115
USD
at 1.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $2,285
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
9.495
9.125
USD
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $6,295
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.386
4.250
USD
at 1.100 pts
45 day lock rate
Est payment: $1,475.82
Fees in APR: $1,505
Thank you for your inquiry! We look forward to working with you. 
 
Next button
30 yr fixed Mortgage Loan from Valley National Bank
Valley National Bank
https://www.brimg.net/system/img/inst/10413_logo.gif
300000
Refinance
9.622
9.125
USD
Valley National Bank Logo
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $9,468
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from American Federal Mortgage Corporation
American Federal Mortgage Corporation
https://www.brimg.net/system/img/inst/10317_logo.gif
300000
Refinance
4.259
4.125
USD
at 1.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,463
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
300000
Refinance
4.294
4.125
USD
at 1.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $2,675
 
 
Next button
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 United Bank
United Bank
300000
Refinance
4.651
4.625
USD
United Bank

4.651%
12/11/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $911
 
 
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%
12/12/2018
4.875%
at 0.000 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Union Savings Bank
Union Savings Bank
300000
Refinance
4.900
4.875
USD
Union Savings Bank

4.900%
12/7/2018
4.875%
at 0.000 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $852
 
 
30 yr fixed mtg refi Mortgage Loan from First National Bank of Omaha
First National Bank of Omaha
300000
Refinance
5.089
5.000
USD
First National Bank of Omaha

5.089%
12/6/2018
5.000%
at 0.750 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $752
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.926
4.875
USD
Citizens Bank, NA

4.926%
12/7/2018
4.875%
at 0.250 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $998
 
 
30 yr fixed mtg refi Mortgage Loan from UniBank for Savings
UniBank for Savings
300000
Refinance
5.162
5.125
USD
UniBank for Savings

5.162%
12/7/2018
5.125%
at 0.250 pts
60 day lock rate
Est payment: $1,633.46
Fees in APR: $500
 
 
30 yr fixed mtg refi Mortgage Loan from The Guilford Savings Bank
The Guilford Savings Bank
300000
Refinance
4.793
4.750
USD
The Guilford Savings Bank

4.793%
12/7/2018
4.750%
at 0.250 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $719
 
 
30 yr fixed mtg refi Mortgage Loan from Liberty Bank
Liberty Bank
300000
Refinance
4.795
4.750
USD
Liberty Bank

4.795%
12/7/2018
4.750%
at 0.250 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $814
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.730
4.625
USD
Bank of America

4.730%
12/10/2018
4.625%
at 0.759 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,351
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.655
4.625
USD
TD Bank, NA

4.655%
12/11/2018
4.625%
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $1,043
 
 
30 yr fixed mtg refi Mortgage Loan from Savings Bank of Danbury
Savings Bank of Danbury
300000
Refinance
4.773
4.750
USD
Savings Bank of Danbury

4.773%
12/7/2018
4.750%
at 0.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $790
 
 
30 yr fixed mtg refi Mortgage Loan from The Washington Trust Company
The Washington Trust Company
300000
Refinance
4.781
4.750
USD
The Washington Trust Company

4.781%
12/11/2018
4.750%
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,083
 
 

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.





Today's mortgage rates on 30 year conforming loans are slightly lower averaging 3.36 percent and will probably make new record lows sometime in January. Right now you can find lenders quoting 30 year refinance mortgage rates well below the average rates. Right now on our 30 year refinance rates list for Florida you can find lenders quoting rates as low as 3.00 percent with points and at 3.25 percent with no points.

Mortgage rates today on 15 year conforming loans are also sightly lower than the average in this week's PMMS. Current mortgage rates on 15 year conventional loans are averaging 2.63 percent, lower than the average of 2.66 percent with 0.7 point in the PMMS. 15 year mortgage interest rates will make new lows in January, we'll probably see rates fall through 2.50 percent.

Currently there are home loan lenders quoting 15 year refinance rates below 2.50 percent across the United States. Right now the lowest 15 year rates available on our rate list for Texas are at 2.25 percent with 1.721 points from Amerisave. We also have a few other lenders quoting 15 year refinancing rates at or below 2.50 percent with points.

We also have one lender quoting 15 year refi rates at 2.50 percent with zero points. Depending on the state you live in and the credit score you select when searching our tables your results might vary but you will find some of the lowest rates on our tables. Texas the only state you can find lenders quoting 15 year rates as low as 2.25 percent. We also have lenders in California, Florida, New York and many other states quoting rates as low.

Back to Freddie Mac's survey this week, average 5 year adjustable mortgage rates bucked the trend and were lower this week. Average 5 year adjustable mortgage rates were at 2.67 percent with 0.7 mortgage discount points, down from the prior week's average 5 year adjustable mortgage rate of 2.71 percent. 1 year adjustable mortgage rates were higher averaging 2.60 percent with 0.5 points, up from an average 1 year adjustable rate of 2.57 percent.

There are many lenders quoting 5 year adjustable refinance rates on our rate tables well below Freddie Mac's average this week. The lowest 5 year refi rates in the state of Illinois are at 1.625 percent with points. The lowest 5 year rate without points is at 2.25 percent, also below the average rate.
Author: Monica Harris
January 10th, 2013