Mortgage rates increased in the latest mortgage survey. Higher mortgage rates, erratic stock market swings and uncertainty about the economy kept potential home buyers on the sidelines as the demand for mortgages decreased. In the most recent Weekly Mortgage Application Survey released by the Mortgage Bankers Association current 30 year mortgage rates are averaging 4.39% for the week ending August 19, 2011, up from the previous week's average mortgage rate of 4.32%. As a result mortgage applications decreased 2.4 percent from one week earlier.

Find a list of today's mortgage rates by searching our rate tables here: Today's Mortgage Rates. Unlike most websites we don't require any personal information to view a list of mortgage rates or refinance rates.

Average 15 year mortgage rates were also higher for the week ending August 19, 2011. Mortgage rates on 15 year mortgages averaged 3.56%, an increase from the previous week's average 15 year mortgage rate of 3.47%.

Loan Type

Purchase Refinance with Cash out Refinance

State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

FICO Score

Superior (780-850) Exceptional (760-779) Excellent (740-759) Very Good (720-739) Good (700-719) Above Average (680-699) Average (660-679) Fair (640-659) Need Improvement (620-639) Poor (350-620)

Loan Amount

$

Points

Up to 0 points Up to 0.5 points Up to 1 points Up to 1.5 points Up to 2 points Up to 2.5 points Up to 3 points

LTV

%

Loan Term

 15-Year Fixed  20-Year Fixed  30-Year Fixed  5-Year ARM  7-Year ARM  10-Year ARM

Show Advertiser Disclosure

The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

Lender

APR / Rate

Fees / Points

Payment

NMLS #2562839

4.924%

15-Year Fixed

4.750%

$4,625

Includes 0.875 points for $3,500

Lender Fees: $1,125

$3,112 /mo

Next >

NMLS #2473786

4.934%

15-Year Fixed

4.750%

$4,887

Includes 0.948 points for $3,792

Lender Fees: $1,095

$3,112 /mo

Next >

NMLS #1835285

5.007%

15-Year Fixed

4.875%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$3,138 /mo

Next >

NMLS #1935422

License: 60DBO-109262

5.047%

15-Year Fixed

4.750%

$7,933

Includes 0.662 points for $2,648

Lender Fees: $5,285

$3,112 /mo

Next >

NMLS #324599

License: 324599

5.063%

15-Year Fixed

4.875%

$5,070

Includes 1.000 points for $4,000

Lender Fees: $1,070

$3,138 /mo

Next >

NMLS #757416

5.140%

15-Year Fixed

4.990%

$3,960

Includes 0.990 points for $3,960

Lender Fees: $0

$3,162 /mo

Next >

NMLS #1935422

License: 60DBO-109262

5.300%

5-Year ARM

5.125%

$7,925

Includes 0.660 points for $2,640

Lender Fees: $5,285

$2,178 /mo

Next >

NMLS #2473786

5.361%

5-Year ARM

5.250%

$4,967

Includes 0.968 points for $3,872

Lender Fees: $1,095

$2,209 /mo

Next >

NMLS #6606

5.381%

15-Year Fixed

5.240%

$3,708

Includes 0.927 points for $3,708

Lender Fees: $0

$3,214 /mo

Next >

NMLS #1025894

5.508%

15-Year Fixed

5.375%

$3,480

Includes 0.695 points for $2,780

Lender Fees: $700

$3,242 /mo

Next >

NMLS #1835285

5.578%

5-Year ARM

5.500%

$3,439

Includes 0.735 points for $2,940

Lender Fees: $499

$2,272 /mo

Next >

NMLS #1835285

5.817%

30-Year Fixed

5.750%

$2,927

Includes 0.607 points for $2,428

Lender Fees: $499

$2,335 /mo

Next >

NMLS #1935422

License: 60DBO-109262

5.827%

30-Year Fixed

5.625%

$8,917

Includes 0.908 points for $3,632

Lender Fees: $5,285

$2,303 /mo

Next >

NMLS #2562839

5.847%

5-Year ARM

5.750%

$4,229

Includes 0.776 points for $3,104

Lender Fees: $1,125

$2,335 /mo

Next >

NMLS #2473786

5.861%

30-Year Fixed

5.750%

$4,847

Includes 0.938 points for $3,752

Lender Fees: $1,095

$2,335 /mo

Next >

NMLS #2562839

5.867%

30-Year Fixed

5.750%

$5,125

Includes 1.000 points for $4,000

Lender Fees: $1,125

$2,335 /mo

Next >

NMLS #324599

License: 324599

5.979%

30-Year Fixed

5.875%

$4,570

Includes 0.875 points for $3,500

Lender Fees: $1,070

$2,367 /mo

Next >

NMLS #757416

6.045%

30-Year Fixed

5.990%

$2,376

Includes 0.594 points for $2,376

Lender Fees: $0

$2,396 /mo

Next >

NMLS #6606

6.205%

30-Year Fixed

6.125%

$3,420

Includes 0.855 points for $3,420

Lender Fees: $0

$2,431 /mo

Next >

NMLS #1025894

6.208%

30-Year Fixed

6.125%

$3,520

Includes 0.705 points for $2,820

Lender Fees: $700

$2,431 /mo

Next >

NMLS #399799

6.218%

30-Year Fixed

6.125%

$4,111

Includes 0.696 points for $2,784

Lender Fees: $1,327

$2,431 /mo

Next >

NMLS #324599

License: 324599

6.222%

5-Year ARM

6.125%

$4,206

Includes 0.784 points for $3,136

Lender Fees: $1,070

$2,431 /mo

Next >

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.

The Market Composite Index, which is a measure of mortgage loan application volume, decreased 2.4 percent on a seasonally adjusted basis from one week earlier.

The Refinance Index, which is a measure of refinance loan application volume, decreased 1.7 percent from the previous week. The seasonally adjusted Purchase Index decreased 5.7 percent from one week earlier and is at the lowest level in the survey since December 1996.

You can view a list of average mortgage rates released by MonitorBankRates.com on Monday:

Mortgage Rates Today

Mortgage rates declined again this week and 30 year mortgage rates hit an all-time low of 4.14% in MonitorBankRates’ Weekly Average Mortgage Rate Survey. Millions of homeowners can’t take advantage of record low mortgage rates and refinance because they don’t have the required 80% loan-to-value (LTV) ratio many lenders now require.

The Mortgage Bankers Association also reported a rise in mortgage delinquencies to a seasonally adjusted rate of 8.44 percent of all loans outstanding as of the end of the second quarter of 2011, an increase of 12 basis points from the first quarter of 2011.

Conforming 15 year mortgage rates are also at record lows in this week’s survey. 15 year mortgage rates currently are averaging 3.36%, down from last week’s average 15 year mortgage rate of 3.50%.

Mortgage rates on 30 year jumbo mortgages are averaging 4.62%, down from last week’s average 30 year jumbo mortgage rate of 4.70%.  Average mortgage rates today on 15 year jumbo mortgages are at 3.87%, down slightly from last week’s average 15 year jumbo rate of 4.08%.

Conventional Adjustable Mortgage Rates Currently

1 year adjustable mortgage rates today are averaging 3.48%, down from last week’s average 1 year adjustable jumbo mortgage rate of 3.48%.

Current 3 year adjustable mortgage rates today are averaging 2.98%, up from last week’s average 3 year adjustable mortgage rate of 2.95%.

5 year adjustable mortgage rates are averaging 2.99%, down slightly from the prior week’s average 5 year adjustable rate of 3.00%.

Today’s 7 year adjustable mortgage rates are averaging 3.17%, down from the previous week’s average 7 year adjustable mortgage rate of 3.23%.

10 year adjustable mortgage rates currently are averaging 3.60%, down from last week’s average 10 year adjustable rate of 3.76%.

Today's Adjustable Jumbo Mortgage Rates

Current 1 year jumbo adjustable mortgage rates are averaging 3.12%, unchanged from last week’s average adjustable jumbo mortgage rate.

3 year adjustable jumbo rates today are averaging higher at 3.42%, up from last week’s average 3 year jumbo adjustable rate of 3.33%.

5 year adjustable jumbo mortgage rates current are averaging 3.23%, down from last week’s average jumbo adjustable rate of 3.25%.

7 year jumbo adjustable mortgage loan rates are averaging 3.61%, down from last week’s average 7 year adjustable home loan rate of 3.64%.

10 year jumbo loan rates are averaging 4.13%, down from the prior week’s average 10 year jumbo home mortgage loan rate of 4.15%.

Conventional Interest Only Adjustable Mortgage Rates Current

3 year interest only adjustable mortgage loan rates are averaging 3.25%, up from last week’s average interest only mortgage loan rate of 3.14%.

5 year IO adjustable loan mortgage rates are averaging 3.06%, down last week’s average five year interest only mortgage rate of 3.13%.

7 year interest only adjustable mortgage loan rates are averaging 3.29%, down from last week’s average 7 year interest-only mortgage interest rate of 3.39%.

Interest Only Jumbo Mortgage Rates Today

Today’s 3 year jumbo interest only adjustable loan rates are averaging 3.52%, up from last week’s average jumbo adjustable interest only rate of 3.43%.

Current 5 year adjustable jumbo interest only rates are averaging 3.56%, up from last week’s average IO home mortgage interest rate of 3.55%.

Today’s 7 year jumbo interest only adjustable rates are averaging 3.83%, unchanged from last week’s average jumbo 7 year home mortgage loan rate.

Current Home Equity Loan Rates

10 year home equity loan rates are averaging 6.66%, up from last week’s average home equity loan rate of 6.62%.

15 year home equity rates are averaging 6.68%, up from last week’s average home equity loan rate of 6.86%.

Today's HELOC Rates

Home equity line of credit rates are averaging 5.04%, up from last week’s average rate HELOC rate of 4.97%.