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Mortgage Rates Remain Under 4.00 Percent - Lowest Rate at 3.50 Percent with 2 Points
 

Mortgage Rates Remain Under 4.00 Percent – Lowest Rate at 3.50 Percent with 2 Points

Average 30 year mortgage rates remain under 4.00 percent this week, continuing to defy the experts who expected higher rates by now. Conforming 30 year mortgage rates fell to 3.90 percent, down from the prior week's average rate of 3.97 percent.

30 year mortgage rates under 4.00 percent weren't supposed to happen by August 2015. Earlier this year, analysts were forecasting 30 year rates to be near 5.00 percent. Chances are 30 year rates won't hit 5.00 percent by the end of this year. A more likely scenario would be for 30 year rates to be under 4.50 percent.

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 First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.351
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,281
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.294
4.250
USD
Home Loans Today Logo
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,266
 
 
Next button
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.460
4.375
USD
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,700
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.731
4.625
USD
at 0.100 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $3,382
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 Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.370
4.250
USD
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $3,924
Thank you for your 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 Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.309
9.125
USD
at 0.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $4,531
Thanks for the inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.335
4.250
USD
Agora Lending Logo
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,716
Thank you for your 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
4.453
4.375
USD
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,437
 
 
Next button
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.333
4.240
USD
at 0.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $2,996
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.312
4.250
USD
at 0.100 pts
45 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 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 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
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 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 eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_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
Thank you for your inquiry, we will be in touch shortly. 
 
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 CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_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
Thanks for the inquiry! 
 
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
4.519
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $658
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.462
4.460
USD
at 0.000 pts
30 day lock rate
Est payment: $1,512.93
Fees in APR: $65
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
4.511
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 Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
300000
Refinance
4.506
4.500
USD
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $219
Thanks for the inquiry! 
 
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 Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.416
4.375
USD
Agora Lending Logo
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $1,435
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
4.879
4.875
USD
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $151
Thanks for the inquiry! 
 
Next button
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
at 0.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: None
 
 
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
4.625
4.625
USD
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: None
 
 
Next button
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.490
4.490
USD
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. 
 
Next button
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.520
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $719
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from Aurora Financial
Aurora Financial
https://www.brimg.net/system/img/inst/4284_logo.gif
300000
Refinance
4.375
4.375
USD
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
 
Next button
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
4.375
4.375
USD
Home Loans Today Logo
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
 
Next button
30 yr fixed Mortgage Loan from Home Loans Today
Home Loans Today
https://www.brimg.net/system/img/inst/9159_logo.gif
300000
Refinance
9.489
9.125
USD
Home Loans Today Logo
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $6,135
 
 
Next button
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.168
4.000
USD
at 1.100 pts
45 day lock rate
Est payment: $1,432.25
Fees in APR: $2,708
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 Agora Lending
Agora Lending
https://www.brimg.net/system/img/inst/10036_logo.gif
300000
Refinance
4.261
4.125
USD
Agora Lending Logo
at 1.100 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $1,522
Thank you for your inquiry! 
 
Next button
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.377
4.250
USD
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,200
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 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 Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_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: $7,940
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
4.266
4.115
USD
at 1.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $2,045
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
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 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 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 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 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 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
 
 
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 Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
4.922
4.875
USD
Bank of Oak Ridge

4.922%
12/6/2018
4.875%
at 0.250 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $853
 
 
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 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 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 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
 
 

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.





Low rates are fueling demand for home loans. The Mortgage Bankers Association reported mortgage application volume for both loan refinancing and home purchases increased 3.6 percent week over week on a seasonally adjusted basis for the week ending August 14, 2015.

Refinance rates under 4.00 percent have created a mini-boom for refinancing loans. Refinance applications surged 7 percent from the prior week, reaching the highest level since May, according to the Mortgage Bankers Association. The best 30 year refinance rates on our rate list are at 3.50 percent with 2 mortgage points. The best refi rate without points is at 3.75 percent.

Rates are eventually moving higher, so if you're thinking about refinancing your mortgage, do so sooner than later. The conventional wisdom is that it makes financial sense to refinance if current rates are at least 1.00 percent below your current mortgage rate. Of course, refinancing to a short term loan also makes sense even if the rate is less than or even higher than your current mortgage rate.

Mortgage rates today on 15 year conforming loans are currently averaging 3.03 percent, down from last week's average 15 year rate of 3.05 percent. Average 15 year rates will probably fall below 3.00 percent this week because 10 year bond yields continue to decline.

Today's mortgage rates on 30 year jumbo loans are averaging 4.29 percent, up 1 basis point from last week's average 30 year jumbo rate. The best 30 year jumbo refinance rates on our rate list are also at 3.50 percent but with only 0.88 mortgage points. The best 30 year jumbo rate without points is at 3.75 percent.

15 year jumbo mortgage rates are averaging 3.74 percent this week, a decline from the previous week's average 15 year rate of 3.86 percent. The best 15 year jumbo refinance rates on our rate list are well below the average. The lowest 15 year rate is at 2.875 percent with 1.10 points and the lowest rate without points is at 3.25 percent.
Author: Brian McKay
August 20th, 2015